Category Archives: brand

Who will be cleaning out the stables in the next two years?


  There are more than 10,000 employers who are running saving schemes for their staff  as qualifying workplace pensions. The introduction of minimum standards for these schemes in “Better workplace pensions, further measures for savers“, begs the question – who is going … Continue reading

Posted in advice gap, auto-enrolment, brand, pension playpen, pensions | Tagged , , , , , , , , , , | Leave a comment

I’m in- who’s out?


  I’m serving up a dish which may have gone cold in your inbox or may not have reached you at all. Personally I’m not concerned about opt-out rates, even if they crept above the 9% generally advertised. That Ceridian … Continue reading

Posted in advice gap, auto-enrolment, Bankers, brand, Change, corporate governance, Payroll, pensions | Tagged , , , , , , , , , , , , | Leave a comment

TPAS – the light shines on!


TPAS – bridging the pensions advisory gap! The light shines on… Continue reading

Posted in auto-enrolment, brand, corporate governance, Henry Tapper blog, investment, pension playpen, pensions | Tagged , , , , , , , , , , , | Leave a comment

Fund management’s like a car-boot, you’ve got to know what you’re paying (and what you’re buying).


Fund management’s like a car-boot, you’ve got to know what you’re paying (and what you’re buying). Continue reading

Posted in auto-enrolment, Bankers, brand, Farefail, Financial Education, First Actuarial, FSA, hedge funds, infrastucture, investment, London, Management, middleware, NEST | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Getting use to managing pensions ourselves


The ideas of personal financial empowerment and independent financial advice grew up hand in hand. But they are mutually exclsusive concepts and ill-matched bedfellows. Now that we have the means to do it ourselves, we need to be allowed to. … Continue reading

Posted in brand, Change, Financial Education, First Actuarial, pension playpen, pensions | Tagged , , , , , , , , , , , , | Leave a comment

Humankind cannot stand too much reality.


TS Eliot was right as the game-makers King have proved with their addictive smart phone and Facebook app Candy Crunch. Candy Crunch is a game that involves wiping out rows of candy shaped icons from a screen. Wipe enough and … Continue reading

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Should we give the ABI one last chance on charges?


We need change and though this document sees the ABI moving in the right direction- this document stops short of showing the insurers are yet to “get it”.
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Posted in actuaries, advice gap, annuity, auto-enrolment, brand | Tagged , | 2 Comments

Why insurers, not pension schemes, have taken the infrastructure challenge


The announcement this morning of  the National Infrastructure Plan (NIP) includes the government selling off its 40% stake in the Eurostar rail service. In all, about £375bn of investment in energy, transport, communications, and water projects is planned. You can … Continue reading

Posted in auto-enrolment, Bankers, brand, dc pensions, de-risking, defined aspiration | Tagged , , , , , , , , | 1 Comment

Whatever happened to the pensions-linked mortgage?


I phoned my bank yesterday looking for a mortgage. “How long do you want your mortgage for Mr Tapper?” “Fifteen years” “I’m sorry Mr Tapper, we can’t lend on an interest only basis beyond your 65th birthday so that will … Continue reading

Posted in advice gap, Bankers, brand, pensions | Tagged , , | 6 Comments

Do employers have a duty of care to their staff when they retire?


If you take the Daily Express, you will have been reading a series of front page headlines about “rip-off pensions”. Here’s this Thursday’s edition http://www.express.co.uk/news/retirement/423869/Millions-hit-by-scandal-of-pensions-rip-off . The argument is based on some recently released figures “A 65-year-old with average pension … Continue reading

Posted in advice gap, annuity, auto-enrolment, brand, club pension, customer service, dc pensions, pensions | Tagged , , , , , , , , , , , , | 4 Comments