SIPP versus Personal Pension: Which is Best? + MORE Jan 26th

WILMINGTON, Del. – DuPont Co. (DD) on Tuesday reported a fourth-quarter loss of $253 million, after reporting a profit in the same period a year earlier.
The Wilmington, Delaware-based company said it had a loss of 29 cents per share. Earnings, adjusted for non-recurring costs and to account for discontinued operations, were 27 cents per share.
The results exceeded Wall Street expectations. The average estimate of eight analysts surveyed by Zacks Investment Research was for earnings of 26 cents per share.
The chemical company posted revenue of $5.3 billion in the period, which fell short of Street forecasts. Three analysts surveyed by Zacks expected $5.41 billion.
DuPont expects full-year earnings in the range of $2.95 to $3.10 per share.
DuPont shares have fallen 20 per cent since the beginning of the year, while the Standard & Poor’s 500 index has decreased 8 per cent. The stock has dropped 28 per cent in the last 12 months.
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NEW BRUNSWICK, N.J. – Johnson & Johnson (JNJ) on Tuesday reported fourth-quarter net income of $3.22 billion.
The New Brunswick, New Jersey-based company said it had profit of $1.15 per share. Earnings, adjusted for restructuring costs and amortization costs, were $1.44 per share.
The results exceeded Wall Street expectations. The average estimate of 12 analysts surveyed by Zacks Investment Research was for earnings of $1.42 per share.
The world’s biggest maker of health care products posted revenue of $17.81 billion in the period, which did not meet Street forecasts. Eight analysts surveyed by Zacks expected $17.94 billion.
Johnson & Johnson expects full-year earnings in the range of $6.43 to $6.58 per share, with revenue in the range of $70.8 billion to $71.5 billion.
Johnson & Johnson shares have decreased 6 per cent since the beginning of the year, while the Standard & Poor’s 500 index has fallen 8 per cent. The stock has dropped almost 6 per cent in the last 12 months…

World markets were back in sell-off mode on Tuesday as a 6 per cent slump in Chinese shares following more weak data there and oil’s slide below $30 a barrel again led to a renewed bout of selling.

When it comes to retirement in the UK, you’ve actually got quite a few different choices as to how you’d like to use the money you’re earning or have earned and stockpiled throughout your working life. Most people will choose to do the same thing, but that doesn’t have to be what you do, and changes over recent years have been put in place to allow people to take more control over their money and how it’s used in later life. The SIPP, which stands for Self-Invested Personal Pension, is one such way of having more control, and here we’re going to look at the advantages it offers over your standard pension.
What is a SIPP?
A SIPP essentially means that you as the investor gets to decide how your money is invested in any and all of the approved investment products. Not only do you chose what to invest in, you also choose when to buy in, and when to sell. This really is something for those who want to know they’ve driven their own retirement portfolio, or those that believe the traditional route has so far not provided them with the returns that they’re looking for…

(Roberto Machado Noa/LightRocket/Getty)
Canada’s tech sector will likely see a flurry of foreign investment in 2016, as the tumbling dollar turns homegrown startups into absolute bargains for American venture capitalists. The loonie’s plunge below 70¢ against the U.S. dollar in mid-January was bad news for energy companies but will boost the competitiveness of our high-tech firms.
Is Canada finally developing a sustainable startup ecosystem?
American venture capital firms have shown mounting interest in Canada, according to Stephen Partridge, who sits on Startup Canada’s board of directors. “It’s been a trend starting as early as 2012, but over the past 12 months, you’re hearing it left, right and centre,” he says. In an opinion piece for the Globe and Mail, David Teten, a partner with New York–based FF Venture Capital, wrote, “The dropping Canadian dollar makes investing in Canada significantly more attractive.” He cited other reasons Americans are enthusiastic about Canada’s startup scene, including strong tax incentives and immigration policies that “allow talented people globally to come to Canada…