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Special Report On Personal Equity Plans: Increasing the spread to reduce the risk: Self-selection has lost favour with small investors since the introduction of unit and investment trusts. Alison Eadie reports00:02
Communists bungle Gorbachev's show trial00:02
Unita unveils terms00:02
Column Eight: Grand Met has it taped00:02
Racing: Upson's willing cold warrior: While others sweat it out under cover, Overhereoverthere wakes up with ice in his mane. Chris Corrigan reports00:02
The daily poem: After the Titanic00:02
Parliament and Politics: Hurd rejects role for the RAF in Bosnia air-drops00:02
Special Report On Personal Equity Plans: 'Top-up' plans create new opportunities: Charges vary a good deal over the thriving range of single company PEPs, a recently created branch of the industry. Christine Stopp reports00:02
Care order00:02
Snooker: Threat to Taylor's ranking00:02
King trial jury chosen - with white majority00:02
Man knifed in German race brawl00:02
Obituary: David L. Bazelon00:02
Howden rights issue to fund Danish purchase00:02
Britain's car makers slide pounds 2.8bn into red00:02
Men were men, and dads were strangers: Steve Humphries talks to fathers about their role in the first half of the century00:02
MUSIC / Restoration work: Nicholas Williams on a Mozartian masterpiece restored to its rightful register and a modern commission with Mozartian echoes00:02
BOOK REVIEW / Ringing the changes down the centuries: Rings - Diana Scarisbrick: Thames & Hudson, pounds 3200:02
Special Report On Personal Equity Plans: A useful addition to a traditional pension: Alison Eadie offers a guide to tax-free investments for people planning to buy a house or retire in comfort00:02
Lloyd's names asked to find pounds 43m00:02
Thousands held to thwart rally00:02
Architecture Update: Bad-taste boudoirs00:02
Police seek gun raid witnesses00:02
Sport in Short: Hockey00:02
War-crime victims face long wait for justice00:02
Obituary: Albert Hourani00:02
Special Report On Personal Equity Plans: Wrap up the advantages: Anthea Masey considers investment trusts as a way of buying a professionally managed spread00:02
Taiwan elects first native PM00:02
Cricket: Lara scuttles S Africa00:02
Clinton track stopped00:02
Police concern over falling clear-up rate for crimes: Figures show a dramatic fall in detectives' success in bringing offenders to justice. Terry Kirby reports00:02
Moscow marchers hail the 'Soviet Union'00:02
Lufthansa facing bankruptcy, consultants say00:02
Diary00:02
Sanctions to go00:02
Sub found00:02
View from City Road: Unilever good for growth00:02
Letter: Emergency planning role in peacetime00:02
Special Report on Personal Equity Plans: Answers to some of the tricky questions: What happens to your PEP when you die? Do managers charge a surrender fee? Christine Stopp fills in the gaps00:02
Parliament and Politics: Au pair becomes an equal opportunity job00:02
Worried settlers build fence00:02
Architecture: Not so much a Sixties block, more a work of art: The Hayward Gallery should be glorified, not torn down like some unwanted relic, says Jonathan Glancey00:02
Efficiency 'league tables' for hospitals00:02
Washington and UN agree on Bosnia air-drop00:02
Hockey: Edwards in command00:02
Letter: Causes of, and cures for, criminal behaviour00:02
Anniversaries00:02
THEATRE / Sex and sensibility: The Artifice - Orange Tree, Richmond00:02
Special Report On Personal Equity Plans: No interest in an incentive overhaul00:02
Cricket: Dexter dismisses criticism of squad00:02
Media: In search of youth heroes for the video cult: The woman who brought the computer-game craze to TV is launching a daily show on satellite. Martin Rosenbaum peers into 'The Game Zone'00:02
Parliament and Politics: Smith seeks to end union vote in MP selection00:02
Sport in Short: Squash00:02
Recession sparks fears of political instability in EC00:02
Football: Warhurst's lift for Wednesday00:02
Roof protest00:02
Mid-East talks deadlock00:02
Admiral weathers tough conditions00:02
Sport in Short: Tennis00:02
Law Report: Mother, 16, allowed contact with son: Re H (Minors: Parental Contact) - Court of Appeal (Lord Justice Balcombe, Lord Justice Kennedy and Lord Justice Evans): 19 February 199300:02
Special Report on Personal Equity Plans: Options to tempt the safety-first investor: Giving the choice of investments to someone else may pay off, if you expect to make large annual contributions, says Christine Stopp00:02
Incentive plan to cut college drop-out rate00:02
Letter: Managing disease with cannabis00:02
Cricket: Kumble top of India's spin crop00:02
Letter: Skills training for economic recovery00:02
Sport in Short: Rugby Union00:02
View from City Road: Amstrad investors left in the dark00:02
Car clamping firms face legal curbs: Ministers have put forward six options, Christian Wolmar reports00:02
Trade row clouds Major's US talks00:02
Hand-picked candidates stand in first Cuban poll00:02
Chemists' shops at risk in review of health spending00:02
Golf: Montgomerie fined00:02
Manchester to host world chess final00:02
Media: That's enough pandering to the party: When David Seymour came to the 'Mirror' its long-time political editor left. Here, Seymour argues that the paper fell into an abyss of banality - and must now change00:02
Architecture Update: Three draw for Reichstag prize00:02
Government 'has power to ban porn TV channel'00:02
United accused of lawsuit 'sham'00:02
Leading Article: Clamping down on racketeers00:02
British Rail Standard Class 4 tank engine, No. 80080, steaming away from Appleby Station in Cumbria on the Settle to Carlisle railway line: Correction00:02
TELEVISION / Rediscovering the missing link: Mark Lawson wonders whether Fame has spoilt Clive James00:02
Letter: The constitution and the economy00:02
Letter: An old, cold custom in pancake-making00:02
Sport in Short: Cycling00:02
Business and City Summary00:02
Hidden fortune00:02
That's a terrific disguise00:02
Media: Rise and shine for kids and couch potatoes00:02
Surge in fraud 'may only be tip of iceberg'00:02
Jury still out00:02
Ministers facing lethal ambush on Maastricht00:02
Royal engagements00:02
Amato left fighting to survive after reshuffle00:02
Doctor's crusade against S African police 'licence to ill-treat': Jonathan Gluckman tells John Carlin in Johannesburg about the evidence in his post-mortem files00:02
Special Report on Personal Equity Plans: A financial shelter for the longer term: What are the advantages of a PEP? Christine Stopp examines the types of scheme on offer, the charges, and the choice of investment strategies00:02
Bowls: Duff joins list of the fallen00:02
Rock music venue to be run by fresh firm00:02
Georgia threat00:02
Special Report On Personal Equity Plans: Policy with Gallic roots: The Chancellor could do worse than search abroad for a new fiscal incentive, says Mike Truman00:02
Safety comes with moral sense: The Liverpool murder shows how essential are new social priorities, says James Thompson, the Bishop of Bath and Wells00:02
Slump in loans leaves NatWest with spare pounds 17bn00:02
Hong Kong firm buys London power station00:02
US senators urge Clinton to rebuke Major over Ulster 'abuses'00:02
Sport in Short: Boxing00:02
Long-term unemployment tops 1m00:02
Out of the west: An accent that speaks volumes00:02
Water sale blamed for increase in dysentery00:02
Special Report On Personal Equity Plans: Euro-PEP offers rewards through collective investment vehicles for clients, writes Alison Eadie00:02
Parliament and Politics: Parliamentary Questions - Written Replies00:02
Judge criticises inquest ruling00:02
Chess00:02
Football: Spurs defiant on Barmby00:02
Certainly no place for Essex man: The Test humiliation is being blamed on batsmen who can't read spin. But Mihir Bose thinks it has more to do with Englishmen who can't read India00:02
Horses inquiry00:02
Families in Bulger case move out00:02
Teenage hacker 'wrote note on security codes'00:02
Birthdays00:02
Remembrance of things past: The playwright is white. The actor is black. They have worked together for 28 years, but they remain worlds apart. Athol Fugard and John Kani explain why to Georgina Brown00:02
Rugby League: Davies a convert content: A former Welsh rugby union international, the most celebrated recruit to rugby league, tells Dave Hadfield that he has no regrets about switching codes00:02
Sport in Short: Cricket00:02
Dyes group seeks pounds 24m to expand00:02
Special Report On Personal Equity Plans: Capital idea that carries a hitch00:02
Clarke to act on bail offenders and raise fines00:02
Parliament and Politics: MPs pursue fears of Maxwell-style pensions takeover00:02
Football: Mitchell lights way forward00:02
Company News in Brief00:02
Letter: Emergency planning role in peacetime00:02
Lloyd serving club business to market00:02
Attack arrests00:02
Rugby Union: Back dropped from A team00:02
Ministry blamed for 550 dockyard job losses00:02
Letter: Finnish and be done with it00:02
Watchdog to examine generators00:02
Sport in Short: Motor Racing00:02
Mining consultants raise doubt over eight pits' survival00:02
Sedgwick writes down property values by 40%00:02
Lawyer 'battered wife to death in hammer attack'00:02
Sport in Short: Rugby League00:02
French fury at scale of fish imports00:02
Letter: Positive interference in Indian village life00:02
TELEVISION / Production notes00:02
Sailing: Cash threat to Dolphin project00:02
Sport in Short: Football00:02
Rugby League: Offiah's Sydney problem00:02
Closure fear over mental hospitals00:02
Regent Inns seeks full listing and acquisitions00:02
Market Report: Tobacco and liquor damage shares' health00:02
Sport in Short: Skiing00:02
Sport in Short: Ice Hockey00:02
Obituary: Nikita Magaloff00:02
Obituary: Robin Evans00:02
US tells Somali warlord to get out of Kismayu00:02
Special Report On Personal Equity Plans: Good way to pay school fees00:02
Architecture: The light touch of Sri Lanka's simple genius: Geoffrey Bawa's work might seem folksy to Western architects, but it could yet win him a Royal Gold Medal, says Alex Wijeratna00:02
Bonn to press for steel cuts00:02
Commentary: Heseltine is caught in a coal trap00:02
Dutch protest to Vatican envoy over 'Nazi' charge00:02
Ireland set for fight to keep DEC plant: Inducements to move production to Scotland may be challenged, reports Alan Murdoch00:02
B&B's provisions for losses soar00:02
Letter: How record companies starve new talent00:02
Marines face charges over party death00:02
Media: Not everyone's cup of tea: Maggie Brown sees problems of cash and content behind the GMTV reshuffle00:02
View from City Road: SKB is looking in shape00:02
Sport in Short: Golf00:02
Commentary: A problem that is not small beer00:02
Complaints to Insurance Ombudsman increase00:02
Leading Article: A Turner goes west00:02
Letter: Causes of, and cures for, criminal behaviour00:02
Court circular00:02
Football: Hateley's late dip into well00:02
THEATRE / You had to be there, really: Susannah Centlivre revived and reviewed; Carlo Goldoni, a funny man seeking raves from the grave. Plus the London Fringe00:02
Landlords picket Grand Met meeting00:02
Sport in Short: Athletics00:02
Special Report on Personal Equity Plans: Stock market risks can pay off nicely: In a world of falling interest rates a high-income PEP may be the answer - if you accept it can be a gamble, writes Anthea Masey00:02
Obituary: Margaret Stephens00:02
Football: Fan's Eye View: Quaking in our boots: No. 28: Darlington00:02
Obituary: Harvey Kurtzman00:02
Man who puts the Denver Boot in00:02
Hitler sale00:02
Rugby Union: The sad side of the merry-go-round: Leading players hedge their bets on moves to other clubs in rugby union's great annual game. Steve Bale reports00:02
Sport in Short: Badminton00:02
Academic resigns from college over Turner sale: The pounds 11m raised by one Turner may lead to more universities selling bequests. Dalya Alberge reports00:02
Letter: Causes of, and cures for, criminal behaviour00:02
Families fight for help over lethal growth treatment: People dying after being given hormones say their case is like that of haemophiliacs with HIV: they also want compensation. Liz Hunt reports00:02
BPB raises pounds 64m and warns of cut in dividend00:02
Commentary: What Clinton did not say00:02
Unipart considers shares buy-back00:02
Twelve things America likes about the Twelve00:02
Police solve fewer and fewer crimes: Slump in clear-up rate, Independent survey shows - Magistrates' courts idle despite rapid rise in crime - Figures add impetus to Clarke's planned reforms00:02
Letter: The constitution and the economy00:02
Racing: Anxious wait over dope fears00:02
THEATRE / Cracking up, getting ready to go00:02
Fraud arrests00:02
Letter: Positive interference in Indian village life00:02
Comrade foot soldier00:02
Cricket: Third Test: Fletcher urges Gooch to stay at the helm: India complete series whitewash with another innings victory as England captain casts doubt over his international future00:02
Parliament and Politics: Review will resolve health regions' fate00:02
Sears spin-off gets NYSE debut