Money
Weekend Essay: Beware, the cyber hackers are coming
A few weeks ago I had an absolute nightmare of a day when my work email account got hacked.
The hacker sent out a message to around 500 of my email contacts saying: “Good morning, I hope this email finds you well. Please see attached for your records. Alternatively, you can also access by copying the highlighted link and pasting in browser: [with a link that I’m obviously not going to post here]. It would be greatly appreciated if you could review at your earliest opportunity. Many thanks, Lois”.
They even used my email signature, and I found out from a few people who had replied to “me” that the hacker had replied to them assuring them that the email was definitely from me and the link was fine to click.
They also created an Outlook “rule”, which meant that all emails with an @ sign in the address would be immediately deleted. This meant I did not receive any emails from about 11am when the attack happened, until the wonderful IT team retrieved all of my lost emails. It also meant I assumed I’d lost access to my emails.
I felt pretty helpless. All I could do was post on LinkedIn telling people to delete the email and not click the link and hope the majority would see it.
Most people, thankfully, realised it was a scam. Anyone who knows me knows I do not use ‘email language’ like “I hope this finds you well”. And I certainly never request things at another person’s “earliest opportunity”. But I know some people clicked the link and I have no idea what the hacker was after. Money, I presume.
Our company IT team sorted it all out pretty quickly and got me back access to my email account. But there was a big chunk taken out of my working day where I didn’t have access even to my laptop while they investigated and changed my passwords.
I’m still not sure how this happened. I’m generally pretty good at sniffing out a scam, so I don’t think it was due to anything I clicked on.
I have noticed a marked increase in phishing emails coming into my inbox recently, and they often trick even my email spam filter.
They are easy to avoid if you’re cynical and paying attention, but I fear for older people or anyone in vulnerable circumstances, who are much more likely to fall for these kinds of scams.
And things are getting worse. An article by the International Monetary Fund back in April noted that cyber-attacks have more than doubled since the Covid-19 pandemic.
This is largely because hackers are constantly evolving. A report by security software company Egress – published in 2021 – pointed out that cybercriminals are constantly devising new ways to bypass traditional anti-phishing technologies.
In fact, it said, 98% of all phishing cases rely on social engineering, where victims are manipulated into supplying confidential information to a supposedly legitimate sender.
Financial advice firms may be wondering what all of this has to do with them.
Fraser Jack, founder of Australian firm The Cyber Collective, used to run a financial planning practice before he became a consultant. He says that, back then, he thought cybercrime was a “vague concept” that was not relevant to him or his business. But a 2019 report by Boston Consulting Group found that financial services organisations are 300 times more likely to be the victim of a cyber-attack than other types of companies.
And, in September last year, international law firm RPC revealed that UK financial services firms had reported a more than a threefold increase in the number of cyber-security breaches to the Information Commissioners Office (ICO) in 2023 compared to the previous year.
It said that during the year to June 2023, 640 cyber security breaches were reported to the ICO, up from the 187 from the year to June 2022. The pensions sector saw the biggest rise, from six in 2021/22 to 246 in 2022/23.
The IMF article said attacks on financial firms account for nearly one-fifth of the total. Banks are the most exposed but advice firms, which hold a huge amount of client data, are certainly not immune.
“In the wild west of cybercrime, someone trying to steal your client data is less of a case of ‘if’ and more of a case of ‘when’,” Fraser Jack wrote, in an article on The Cyber Collective’s website.
It makes sense. I know if I were a cybercriminal I’d target financial advice businesses, with all their minted clients. If you have no morals, why wouldn’t you go for them?
We know it goes on. Back in February last year, Aviva-owned Succession Wealth, which has around 200 advisers and 20,000 clients, suffered a cyber-attack, off the back of which it said it had launched an investigation and “notified the appropriate authorities”. It also introduced “further security measures”.
At the time the company would not elaborate on the nature of the attack, or give details about the security measures it had brought in.
This was a high-profile attack that was widely reported on in the media. But it is by no means the only attack of this nature on a financial advice firm.
Compliance consultancy B-Compliant said in December last year that an advice firm had contacted it to report that it had been targeted by a phishing email purporting to be from the Financial Conduct Authority. The recipient had noticed a spelling mistake and reached out to see if it was genuine. It was not.
This, B-Compliant warned, goes to show that hackers aren’t just targeting big firms. Everyone within the sector is fair game and SMEs in particular can be seen as low-hanging fruit, as they are thought to have less infrastructure and controls in place.
Cybersecurity is a key priority for the Bank of England and the financial regulators.
Late last year, the BoE insisted that all financial firms should be testing their resilience to cyber-attacks through CBEST – a targeted assessment that allows regulators and firms to better understand weaknesses and vulnerabilities and take “remedial actions”.
“True and meaningful cyber resilience cannot be delivered or achieved without a whole-organisational, continuous effort,” it said.
“We strongly encourage firms/FMIs to build and reinforce resilience through a strong foundation of cyber hygiene practices.”
As technology becomes more advanced and the world becomes more connected, cybercriminals are becoming more sophisticated. Financial advice firms of all sizes must be ready.
Money
Aldi launches new glow-in-the dark wine just in time for Halloween
ALDI has launched a new glow-in-the-dark wine just in time for Halloween – and shoppers can’t wait to get their hands on it.
The latest spooky Specialbuy is in-stores now for only £7.19.
Aldi has unveiled the limited-edition version of its already-popular Rebrobates Red Wine just in time for Halloween.
The Reprobates Ghouliburra Red has a new glow-in-the-dark label – perfect for any spooky party.
By day it may look like your average bottle of wine, but at night, a vibrant, glowing skeleton is visible – ready to light up the room.
According to the supermarket giant, the red wine is “a smooth, medium-bodied Australian blend” with red berry aromas, complemented by oaky vanilla and chocolate notes.
And for those who are fans of the original Reprobates, Aldi has introduced a 1.5L box version – the equivalent of two bottles.
It’s priced at only £13.99 and is ideal for a Halloween party this year.
It comes as Aldi launched their “most divisive product of 2024” just in time for Halloween.
The supermarket uploaded a video showing off their new Monster Munch Mayo that has arrived in stores ahead of Halloween.
The limited edition bottles of pickled onion-flavoured sauce is available to buy now and will set you back £1.99.
In a clip, an Aldi staff member said: “The most divisive product of 2024 has landed at Aldi.
“We’ve got our new, scarily good Heinz Monster Munch Mayo.”
They then asked team members whether they were “Team Monster Munch Mayo or Team Absolutely No Wayo?”
One said: “Pickled onion flavour is my favourite Munch Munch crisps, so I’m going to give this a go just because they’re my favourite crisps.”
Another said: “Oh, my God—10 out of 10. I need to try this!”
However, others weren’t as sold.
One said: “It’s an interesting concept, and I’d probably try it once, but maybe not again.”
A second added:” I think I’ll stick with normal mayo.”
Aldi shoppers also took to the comments to share their views on the launch.
One said: “Has anyone tried this? I’m tempted but scared.”
And one wrote: “This sounds rank.”
Some Aldi shoppers who had already tried it raved about the taste.
One commented: “Brought it today, was shocked, it’s tastes just like the crisps, will be great with chips or on a ham sarnie.”
And one agreed: “It’s absolutely lush.”
How to save on Halloween
CUT-OUTS WON’T KEEP: Once carved, pumpkins last just three to five days before they start to rot. So wait until a day or two before Halloween to carve yours, to ensure you won’t have to buy a replacement.
CHILLING CARVINGS: Carve your pumpkin right first time. Download free templates from Hobbycraft to help ensure no slip-ups.
DEVILISHY CHEAP DECORATIONS: Create spooky spider webs using old string or rope.
PAY LESS FOR FACE PAINTS: Cut costs by using your old eyeliners and eyeshadows, and dab on some talc when you need a ghostly white shade.
CUT-PRICE CANDY: Before you buy sweets to give out as treats, clear out your cupboards and see what you have. If you need more, shop bulk deals and compare the price per kilo before you buy.
PETRIFYING POT LUCK: Ask your guests to each bring a delicious themed dish to your party to keep hosting costs down.
SPINE-CHILLING TUNES: Turn to YouTube for a frighteningly good free playlist. There are dozens of channels with hour-long music mixes.
HOLD A SPOOKY SWISH: Swishing — or clothes-swapping with friends — is an easy way to get a new wardrobe. Hold a spooky swish before Halloween to trade costumes for kids and adults.
FRIGHTENING FREEBIES: Sign up for a free local Halloween event. Check your local Nextdoor or Facebook pages, or search eventbrite.co.uk for ideas.
BLOODY GOOD DEAL: Don’t fork out for expensive fake blood. Make your own edible version instead. You can use it for cakes and to decorate costumes.
SHOP ON NOV 1: Be organised and bag the bargains for next year by hitting the shops the day after Halloween. Remember to buy your kids’ costumes a size larger to allow for growth.
Money
PensionBee vs Penfold? – Finance Monthly
Are you a director of a Ltd company who is keen to save towards your retirement? Well, Self-Invested Personal Pensions (SIPPs) offer a variety of ways in which you can invest for later life. When considering long-term investments such as pensions savings, key considerations should include your needs, level of risk, accessibility of pension pots, fees involved, and how to withdraw your pension. Let’s explore the ins and outs of Pensionbee and Penfold which are popular SIPPs options available.
PensionBee | Penfold | |
Accessibility of accounts | Founded in 2014, it offers an easy and convenient way to set up a personal pension online and via an app that is very easy to navigate.
Ability to consolidate existing pension pots from other providers such as Aviva, NEST and Aon within minutes. User friendly interface that allows 24/7 access to your pension balance. You can change or cancel contributions at any time.
You will be assigned a personal account manager (BeeKeeper) who will provide ongoing customer support.
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Launched in 2019, it also offers a digital platform to set up and access personal pension plans.
The consolidation of old pension pots also supported.
Ability to access, manage and track pensions with control over where your money is invested.
Offers the ability to change or pause contribution at any time. |
Investment | Offers the flexibility to set up an account with no minimum cap to the initial investment. Flexible contributions – you have the ability to save any amount and whenever you like. Wider range of investment options available but popular ones include: Tracker (low cost), Tailored (default option) and Impact (ethical)
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Also offers the flexibility to set up accounts with just £1.
Range of payment options offered with no restrictions on amount or frequency of money paid in. Fewer investment options but plans are tailored to personal circumstances of individuals. Popular plans include: Lifetime, Standard and Sustainable (ethical) |
Fees | Annual fees generally start from 0.50% of your pension balance but can vary from 0.25% to 0.95% (depending on the chosen plan and amount of investment) with no hidden costs. | Annual fees are generally 0.75% for savings up to £100,000 but can range from 0.40% to 0.88% (depending on the plan chosen and the amount of investment) |
Accessing your pension (pension drawdown) | Free withdrawal policy of 7-10 working days from age 55 (set to rise to age 57 from 2028). Lump sum, drawdown and annuity allowed.
Withdrawal requests are easy and straightforward and can be done online or via the app. |
Free withdrawal in the form of a lump sum, drawdown or annuity
Withdrawal request includes no paperwork and can also be done online or via the app. |
Both Pensionbee and Penfold provide contemporary and efficient ways to access and engage with personal pensions. Despite the subtle differences between both providers, PensionBee has a higher overall customer rating and is more user friendly. But, whichever option you choose as your investment provider, bear in mind that pension investments fluctuate so your initial capital may be at risk of loss of value. The great news however, is that SIPPs attract a minimum of 25% government bonus on each contribution (depending on tax band) and they also offer generous tax savings – first 25% of your pension drawdown is tax free! Investments in Pensionbee and Penfold are also protected by the Financial Services Compensation Scheme (FSCS) so up to £85,000 of your investment is protected by the government in the event that these regulated financial providers fail.
Money
Podcast: Beware, the cyber hackers are coming
In this episode of the Weekend Essay podcast, Lois Vallely recounts her experience with a recent email hack and discusses the growing prevalence of phishing scams. She highlights the vulnerabilities financial firms face and shares practical advice on protecting sensitive information better. Join Lois as she emphasizes the importance of being aware of cyber risks and adopting proactive measures to ensure cybersecurity in both personal and professional settings. Listen now:
Money
I won £1MILLION jackpot but couldn’t claim it because of Lottery ‘rule’ – staff told me there was nothing they could do
A WOMAN has revealed how she landed a huge £1 million jackpot – only to be told she couldn’t claim it due to a little-known Lotto rule.
Terri Picton-Clark, 72, said she and husband John, 72, decided to pick up a Lucky Dip ticket while they were on their way to browse a hardware shop.
The grandmother, who works at an equine therapy centre, said: “On our way to our kitchen appointment, we stopped off to get some petrol and John bought a Lottery ticket – he always buys a Lucky Dip.
“He said to me, ‘you never know, we might win the Lottery’, to which I replied ‘Oh, you always say that!’.”
The following Monday, John returned to the garage shop to check his winnings – but was confused by the cashier’s response.
The employee purportedly said: “You are going to have to call Camelot, you’ve won too much money.”
For small lottery prizes, winners can normally claim their earnings from the shop where they bought the ticket.
At the time of Terri and John’s win, larger prizes – between £500 and £50,000 – needed to be claimed at participating Post Office branches, though these now have to be claimed online.
Because of this rule, Terri quickly twigged that the couple may have landed a huge prize – but little did she know quite how big.
Recalling John’s phone conversation with the lottery operator, she said: “I was working on a Zoom call when John came in waving the ticket about, and I mouthed to him ‘what are you doing?’ but continued the call, ignoring him.
“We were thinking it was around £50,000, but when Camelot confirmed it was £1 million, John was very calm as usual and I was the one jumping up and down!”
Despite the confusing rule delaying the couple claiming their prize, they were delighted with the result.
Terri said: “John gave the shop assistant at the garage who sold him the ticket £100 and said to her, ‘make sure you don’t do anything sensible with the money’.”
The pair then enjoyed a few bottles of champagne, with Terri joking: “John didn’t get up until 3pm the next day!”
They have since used some of the money to support family and friends.
The horse lover and amateur ballroom dancer said: “We’ve helped friends who are home-schooling their children.
“We bought another laptop for them to make things a little easier and we also bought one for my grandchild to help my son.
“To be able to tell friends who have always been there for you that you can help them feels amazing.”
The couple also shared that they were thinking of either a trip to Antarctica or a skiing holiday with the grandkids.
Terri said: “I would love to go again, if I can still do it! John has never been on a winter holiday.”
John and Terri first met 25 years ago while working together, but their relationship didn’t work out with Terri describing John as “the one that got away”.
However, shortly after the huge Beast from the East storm, the estranged lovers reunited.
Terri continued: “I came home from a really dreadful date and wondered if that was all there was out there for me.
“I went back on the dating site for one last look and came across John who was stranded in the same area due to the blizzard.
“I thought to myself, ‘I know him’, so I messaged him and asked if he remembered me.
“He replied and said, ‘Of course I remember you and you’re looking even better than you did all those years ago!’
“We met up that weekend and the rest is history.”
Terri won five ballroom and two Latin titles during her amateur dancing career.
What are my chances of winning the lottery?
EVERYONE wants to know how to beat the odds and win the lottery.
But unfortunately, the lottery is a game of luck and there are no tips or tricks that can guarantee you’ll take home a top prize.
The odds show how likely you are to win any particular prize – the lower the number, the better the odds.
For example, odds of 1 in 10 are better than odds of 1 in 100 or 1 in 1,000.
There are several major lottery games in the UK including Lotto by the National Lottery, Camelot’s EuroMillions and Thunderball.
Chances of winning the Lotto
Lotto by the National Lottery is a game where you pick six numbers from 1 to 59. You can play up to seven lines of numbers on each slip.
The game costs £2 to play per slip.
The odds of winning any prize on the Lotto are 1 in 9.3.
But to win the jackpot on the Lotto, the odds are considerably slimmer.
To bag the top prize, you need to have six matching balls. The odds of doing this and scooping the jackpot are currently 1 in 45,057,474.
The next highest prize of £1,000,000 is for getting five main matching balls plus the bonus ball.
The odds of taking home the million pound prize are 1 in 7,509,579 – far higher than the jackpot, but still unlikely.
The odds of taking home £1,750 for getting five main numbers without the bonus ball are 1 in 2,180, while you have a 1 in 97 chance of bagging £140 for getting four main numbers.
Your chances of taking home £30 for getting 3 main numbers are much better at 1 in 97.
And you have a roughly 1 in 10 chance of getting a free lucky dip for 2 matching numbers.
Chances of winning the EuroMillions
The EuroMillions costs £2.50 to play and is open on Tuesdays and Fridays.
To play, you must pick five numbers from 1-50 and two “Lucky Stars” from 1-12. Players with the most matching numbers win the top prizes.
Your chance of bagging the EuroMillions jackpot is even slimmer than winning the top Lotto prize.
This is because it generally has higher jackpots on offer, meaning it attracts more attention.
Currently, the odds of matching five numbers and two lucky stars – the top win – stand at 1 in 139,838,160.
The average jackpot prize is £57,923,499, according to EuroMillions.
The odds of winning the second top prize for matching 5 balls and a lucky star, which is typically around £262,346, are 1 in 6,991,908.
The chances of taking home the third prize for five matching balls, with an average payout of £26,277, are 1 in 3,107,515.
For four matching balls with two lucky stars, it’s 1 in 621,503, and for four balls with one lucky star, it’s 1 in 31,076. These come with an average prize of £1,489 and £95, respectively.
Chances of winning the Thunderball
Thunderball is another game run by National Lottery where you pick five numbers and one “Thunderball”. It costs just £1 to play and you can enter up to four times a week.
The jackpot of £500,000 for matching five balls plus the Thunderball is 1 in 8,060,598.
Your odds of bagging the next highest prize of £5,000 for matching five balls is currently 1 in 620,046, while the chances of winning £250 for four balls plus the Thunderball is 1 in 47,416.
You have the best chance of winning £3 for matching the Thunderball, with odds of 1 in 29.
Money
Useful ways to plan retirement income – Finance Monthly
With the current pension landscape changing significantly in line with increases in life expectancy in the UK, planning for a sustainable retirement income is of utmost importance. The State Pension (Tier 1) presents fiscal challenges for the UK government so as longevity increases, the eligible age also increases. In an attempt to alleviate financial difficulties in later life, here are some useful tips to consider when planning retirement income in workplace pensions (Tier 2) and private/personal pensions (Tier 3).
Tier 2 – Workplace pensions
These schemes offer the dual benefit of employer contribution and tax relief to pension contributions. For individuals automatically enrolled into a workplace pension, the minimum contribution from employers is 3% and 5% for employees (8% minimum total contribution) for the 24/25 tax year.
Drawing from your workplace pension
The benefit of joining a Defined Benefit (DB) pension scheme is that it offers an indexed link, and guaranteed pension income for life. The normal retirement age to access pension income is usually set at 60 – 65 but depending on the rules of the scheme, you might be able to access your pension from age 55. DB schemes generally offer better income levels with no investment risk to individuals. In the event of employer insolvency, the Pension Protection Fund (PPF) ensures that members receive a portion of their benefits.
Access to Direct Contribution (DC) pension pots is usually through income/pension drawdown. With investments in this scheme linked to the stock market, there is the risk that funds may increase or decrease in value. Access to pension pots in this scheme is set to a minimum age of 55. However, you may be able to draw your pension early based on the rules of the scheme or if you are retiring early due to ill-health. Pension scheme payments that are made earlier than the minimum age may attract tax charges of up to 55%
Tier 3 – Private/Personal pensions
Personal pensions – these represent a DC scheme where individuals are able to make regular payments or lump sum payments to a chosen pension provider who will invest the money on their behalf. The amount paid into this scheme will help to determine the size of your pension pot but such investments are susceptible to market risks and usually attract administration charges by the pension provider. Contributions made to private pensions benefit from tax relief of 20%, which makes them a good savings option.
Self-Invested Personal Pensions (SIPP)– SIPPS provides a tax-efficient savings account which offers individuals flexible ways in which to invest their own savings based on their risk tolerance. Money can also be paid in as a lump sum or on a regular basis and tax reliefs of 20% (basic rate taxpayer), 40% (higher rate taxpayer) or 45% (additional rate taxpayer) are applied on SIPPs contributions for those under the age of 75 and are UK residents. SIPPs are also accessible to non-tax payers and offers a tax relief of 20%. Tax reliefs for SIPPs are capped at £60,000 for the 24/25 tax year, with any pension payments above that limit subjected to a higher rate of income tax. Unlike personal pensions, SIPPS provide greater choice and control over the ways in which funds are invested. Investment choices include shares, bonds, exchange-traded funds and unit trusts. The variety of options available with SIPPs indicate the potential for a higher level of return on investments, which also increases the risk of the investment.
Drawing your private pension
The age at which these pensions can be taken is usually at age 55 (although this is expected to rise to 57 by 2028). Lump sum payments can be taken but only 25% of this amount will be tax free. A useful option would be purchase an annuity, which is a life policy that converts money from a pension fund into a guaranteed income for a fixed duration or until death.
Other option
Lifetime ISA (LISA) offers an attractive retirement savings option for individuals between the ages of 18 and 40, and can be used to complement existing pension savings. It currently allows savings of up to £4,000 per year with the added benefit of a government bonus of 25% (up to £1,000 per year). For example £250 on contributions of £1000. It must be noted however that the £4,000 LISA limit is included in your annual Individual Savings Accounts (ISAs) limit of £20,000 for the 24/25 tax year.
Money
FCA tight-lipped over timing of consolidation review
The Financial Conduct Authority (FCA) is remaining tight-lipped over the timing of its recently announced review of consolidation in the advice sector.
On 7 October, the regulator unveiled plans to examine consolidation, emphasising the need for strict approval processes when firms acquire or increase control over regulated entities.
Despite speculation that the review may have been prompted by concerns over rushed deals ahead of potential capital gains tax (CGT) changes, the FCA declined to confirm or deny this.
When asked by Money Marketing if this was the reason, the FCA’s head of advisers, wealth and pensions, Nick Hulme, stated he would not “specifically answer the question”.
In an interview at the Consumer Duty Alliance conference in Birmingham today (11 October), Hulme added: “I think we wanted to really reiterate the point that you need to get FCA approval before a change of control.
“We wanted to make it as clear as we possibly could that this is our expectation and if we find out that it hasn’t been we will act.”
“The ‘why now’ comes out of a number of reasons.
“One is, it’s been a while – seven years – since we last ‘kicked the tyres’ and had a look at this.
“Consolidation comes up a lot, sometimes from the consolidators about what other consolidators are doing, so I think it’s important that we have a look at it.”
Earlier in the day, Hulme told delegates: “I really want to stress that we are agnostic to whether consolidation is a good or bad thing.”
In a letter to advice and investment firm bosses, the FCA said that while industry consolidation can provide benefits, various types of harm can occur where this is not done in a “prudent manner”.
“Where we receive notifications from individuals or firms to acquire or increase control in regulated firms, we will assess and challenge their suitability and the financial soundness of the acquisition,” it said.
It added that buyers must “notify us and get our approval to acquire or increase control in a firm we regulate”.
Where acquisitions complete without prior regulatory approval, “we may use our enforcement powers to object to the transaction or initiate criminal proceedings”.
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