Category Archives: annuity

What did you do in the war Daddy?


One of the most successful recruitment campaigns ever- focussed on this simple question. It asked young men to imagine themselves once the fighting stopped having to explain to those in their care the contribution they’d made to the war effort. … Continue reading

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Is an annuity an investment product? Perhaps not!


  I have been worrying about a presentation I have to deliver to an investment group on the value of annuities. I have long felt that annuities are a rubbish investment and UK annuities a particularly rubbish investment. My confidence … Continue reading

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11 tips for advisers planning for April ’15


  It’s been four months since the Budget and the aftershocks of George’s pension bombshell are still being fealt. One by one, the policy decisions which will shape the way advice and guidance will be delivered, are falling into place. … Continue reading

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Why the IMA are so wrong about fund research.


  There had been signs that the Investment Management Association (IMA) was at last coming to terms with the needs of consumers and those who advise them to reveal the cost of owning their funds. In May , Daniel Godfrey- its … Continue reading

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Time to ditch the “institutional” from pensions


  There has always been a gulf between retail and institutional pensions. But I have never felt it so inappropriate . Retail pensions were sold on commission, organised by insurance company and regulated by the Treasury via the FCA and its … Continue reading

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10 things we’d see in Monday’s Guidance Guarantee!


  Tomorrow (Monday 21st July), the Government will announce how it intends to deliver the guidance guaranteed to those reaching state pension age. We want an independent process that helps people  take decisions rather than telling people what to do. We can’t … Continue reading

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……we have a problem, Brighton.


Every so often we get asked questions by  people to whom the answers really matter. I’ll leave you to guess who might be asking these ones!     a)Is there really a problem for unadvised small and micro employers to … Continue reading

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Note to @stevewebb1 – My Pot can follow me to CDC.


John Ralfe, at a City seminar claimed there was no appetite for CDC either among employers or among members of pension schemes. Well I disagree; the people I talk to who are not in pensions say they want change- new … Continue reading

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A buyers guide to auto-enrolment software


Some initial thoughts Auto-enrolment software exists to automate the processes your company needs to establish to stage and maintain auto-enrolment. For most employers it is another payroll headache (along with RTI) that needs a purchased solution. Normally companies purchase on … Continue reading

Posted in accountants, advice gap, annuity, auto-enrolment, middleware, NEST, now, Payroll, pension playpen, pensions, Retirement | Tagged , , , , , , , , , , , | 2 Comments

The public are in a “win-win” from pensions (for once) !


  This report appeared in a recent edition of the Telegraph on the Monday before the Queen’s Speech. The insurers have suffered their fair share of turbulence so far this year. The shake-up of the annuities market unveiled in the Budget, … Continue reading

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