Author Archives: henry tapper

About henry tapper

Founder of the Pension PlayPen, Director of First Actuarial, partner of Stella, father of Olly and the Pension Plowman

Is he mad in the Ed? -Another great guest blog from Ralph Frank


Ed Miliband’s recent proposal to cut the Lifetime Allowance (“LA”) for pension savings from £1.25 million to £1 million would deal a further blow to encouraging private pension provision, if implemented. The LA is, in my opinion, a flawed tool … Continue reading

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Knowing the “money” in “value for money”.


At last we may get to know what we really pay for the management of our funds so we can work out it it’s worth it. Continue reading

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Will pension freedoms be the death of Defined Benefit?


  I thought it was the last supper (or at least the last pension playpen lunch). We had twelve men around the table (no women) and there was sombre expectation as we considered the impact small changes in tax legislation … Continue reading

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The long walk to pension freedom


There is a walk to pension freedom – it needn’t be that long if we can get advice right. Continue reading

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When will we ever learn?


  There are no short-cuts in pensions, there are no silver bullets, easy answers, no lottery wins, no free alpha. There’s just a lot of hard saving backed up by good governance , cost control and sound investment strategy. Pete Seeger, … Continue reading

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Why are we not talking about our pensions? An IFA’s view (guest blog)


On 6 April 2015, brand new rules that affect the way UK retirees can access their pension will come into effect. To assist people in generating their retirement income the government has guaranteed free guidance to all retirees, yet a … Continue reading

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Pension transfers – are they worth it?


Britain is in great need of advice on transfers between one pension and another. This doesn’t just mean transfers from defined benefit schemes to defined contribution schemes, it means support in transferring pot to pot transfers for DC arrangements. Unless … Continue reading

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First Actuarial party ; the photos you wish I’d deleted


“Judge advisers by advice , love them for their parties” That’s what I say, or would say if it weren’t for the pain in my head from last night’s First Actuarial Party. Thanks to Angela Sutherland and all our friends … Continue reading

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A code of good practice for transfer advice?


  We are rubbish at financial risk and we know it. We take decisions on financial matters with as much confidence as betting on the horses and if our horse falls at the first we blame everyone but ourselves! Small wonder that … Continue reading

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Cheap & cheerful might turn out to be expensive & miserable (guest blog from Ralph Frank)


    There has been much debate in recent times about the amount of effort employers should be putting into the selection of pension arrangements for their staff. The one extreme holds that employers are not pension experts nor do … Continue reading

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