How did With Profits get into its troubled state? Was it a "rip-off" like some have suggested or was it more related to the changing economic environment? In a new blog article With-Profits' Malaise: The Cause and Effect, our with-profits expert Miles Hendy looks at the past 50 years of with-profits and warns that the cause of with-profits' malaise are valuable guarantees that are at risk of being discarded.

Like that long awaited bus, not one but two blog articles appear today. In With Profits Bonds in Plain English, Miles takes a look at what might appear in a With Profits Bond sales aid if the companies were a little more truthful.