Category Archives: auto-enrolment

Why I’m backing the master trust assurance framework


Back in May 2014, the Pension Regulator launched on an unsuspecting world the ICAEW’s Technical Release “Assurance reporting on master trusts”. At the time I was dismissive of this document and the Master Trust Assurance Framework (MAF). Write in haste , … Continue reading

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How much does auto-enrolment cost?


The new living wage will make auto-enrolment more expensive If you are a small company, one of the unexpected items you’re going to have to add into your financial plan for the next three years is the additional cost of … Continue reading

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When the dust settles…


For the second time in two years, George Osborne has produced a budget that will radically change the way we thing about retirement saving. If 2014 was the year we re-thought the way we spent our retirement spending, 2015 asks … Continue reading

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How interoperable are you?


One of the Friends of Auto-Enrolment’s groups is called the interoperability task-force. I think Andy Agethangelou makes these names up so his name seems short by comparison. “Interoperability” is a concept I haven’t come across before, but like a lot … Continue reading

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The Regulator makes it easier for micro-employers to auto-enrol


Charles Counsell spoke at the Regulator’s provider conference on Tuesday (30th June).  These are my notes of what he said and there may be some minor inconsistencies. I hope to post a slide-share link to his slides when they are … Continue reading

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Why due diligence is soooooooo important!


  Yesterday I wrote about pension charges and the difference between poor practice and malpractice . At some point the value for money swing-ometre  tips into rip-off territory and it’s almost always when those managing its costs of a scheme, stop acting … Continue reading

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Getting it right on choice – a pragmatic view.


People like choice but are afraid of taking decisions. This paradox has puzzled pension people for a long time. People think that having 170 fund choices on their personal pension is good news, but 90% of us make no choice … Continue reading

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Helping carers to a proper pension..


How hard is it for us to get those who care for others , the same pension rights as those of us cared for by our employers? Rather hard – it would seem – at least according to yesterday’s Moneybox. … Continue reading

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The cost of auto-enrolment


  Charlotte Clark – one of the architects of auto-enrolment and now head of private pensions in the DPW – is an economist. She is familiar with cost having worked in a corresponding position in the Treasury and it was … Continue reading

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Probably the worst flagship tax ever?


George Osborne says his proposed tax break for high value homes is about “values”, it is no such thing. This policy is about votes. What is going on with the conservatives on tax? They have become obsessed with the “retail … Continue reading

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