Category Archives: club pension

Working for the clampdown?


“what are we going to do now?” Joe Strummer asked in 1979. Are we still working for the Clampdown? Continue reading

Posted in actuaries, auto-enrolment, CDC, club pension, de-risking, defined aspiration, Financial Education, First Actuarial, pensions, Retirement | Tagged , , , , , , , , | 5 Comments

Some of our insurers are missing


What have all these insurers got in common?
Answer, you can’t buy one of their personal pensions today.
Continue reading

Posted in Change, club pension, governance, pensions | Tagged , , , , , , , | 6 Comments

Taking meaningful investment choices off the shelf


  I’m  pleased to hear that NEST is planning to explain its investment plans that everyone can understand.I visited their offices last week and spoke with their chief investment officer about this. I hope that as part of this explanation , he’ll … Continue reading

Posted in auto-enrolment, club pension, dc pensions, de-risking, London, NEST, pensions, Popcorn Pensions, Retirement | Tagged , , , , , , , | 10 Comments

Seven things to know about the new state pension!


        These charts have been kindly donated by Citywire and their New Model Adviser team (to whom we should be very grateful). Each one of them surprised me. I dedicate this little blog to one of my heroes, Barbara Castle. If we … Continue reading

Posted in auto-enrolment, club pension, NEST, pension playpen, pensions, Retirement, steve webb | Tagged , , , , , , , | 3 Comments

“Comply or explain” – will “bottom up” regulation work for pensions?


“Comply or Explain” is a phrase that crept into the “corporate governance” lexicon after the 1992 Cadbury report. The idea’s that rather than demand compliance with Government standards, regulators give companies the option to comply or explain why they haven’t. … Continue reading

Posted in auto-enrolment, club pension, corporate governance, customer service, Fiduciary Management, Financial Education, napf, NEST, pension playpen, pensions, Retirement | Tagged , , , , , , , | 11 Comments

The Regulator’s right to be cautious about mastertrusts


Over the past two years we’ve seen a number of multi-employer occupational schemes spruced up for auto-enrolment. We’ve seen a number of insurers and asset managers set up as the providers of master trusts. We’ve had a few financial advisers … Continue reading

Posted in actuaries, annuity, auto-enrolment, club pension, dc pensions, governance, NEST, Payroll, pensions | Tagged , , , , , , , | 9 Comments

“Exclusive” social media is foolish


If ever there was an organisation that has well and truly got social media, it is the Actuarial Post Continue reading

Posted in auto-enrolment, club pension, corporate governance, defined aspiration, First Actuarial, leadership, pensions, Popcorn Pensions | 1 Comment

RDR and AE – what future for commissions and advisor-charging?


Every week we get a few more enquiries from concerned employers who are being told by their pension advisers about the changes coming next month from the Retail Distribution Review. There is variation on the theme but the overall message is clear. Pensions ”advice” is … Continue reading

Posted in actuaries, auto-enrolment, club pension, dc pensions, de-risking, FSA, Payroll, pensions, Retirement | Tagged , , , , , , , , , | 6 Comments

It worked for Wendy- how Morrisons staged auto-enrolment


If I had a vote for “pensions personality of the year, I’d give it to Wendy Taylor of Morrisons and I’d give her understudy Claire Ramus a “highly commended”! They’ve inspired their Board, their staff and they’ve brought a breath of fresh air to the … Continue reading

Posted in actuaries, annuity, club pension, David Pitt-Watson, dc pensions, Henry Tapper blog, Martin Lewis, pension playpen, pensions, Popcorn Pensions | Tagged , , , , , , , | 6 Comments

Without them we wouldn’t be free to read this


This blog’s written on Remembrance Day. Yesterday I blogged on ”Diversification and speculation are different“. One of 696 articles published since I set this site up. I think it’s on an important subject (default DC options) but its subject matter is … Continue reading

Posted in actuaries, club pension, corporate governance, Henry Tapper blog, pension playpen, pensions, social media | Tagged , , , , , , , , , , | 3 Comments