Category Archives: corporate governance

How retirement products evolve (and revolve).


  There are three drivers that shape the evolution of financial products – supply, demand and Government intervention. Between the mid 80s and today Britain has seen a Financial Services Revolution that has been no less dramatic than the agrarian … Continue reading

Posted in auto-enrolment, Bankers, corporate governance, Financial Education, pensions | Tagged , , , , , , , , , , , , , | Leave a comment

“Accelerators” How a student wants to embed “pensions” in Britain’s start-ups


I’ve written before about Josh Collins, a student who’s managed to get a first in mechanical engineering without sitting his  A levels (it’s hard to do exams when you are homeless from 16-18.) Josh sent me his thoughts on how … Continue reading

Posted in Accelerator, Bankers, corporate governance, dc pensions, pensions | Tagged , , , , , , , , , , , | Leave a comment

Towards common data standards for auto-enrolment


The Chartered Institute for Payroll and Pension Professionals and their “Friends of AE” stitched me up with writing up the output of a working group comprising a lot of old’uns and a couple of delightful “young’uns”. Here, for the general enlightenment of others and the … Continue reading

Posted in advice gap, corporate governance, dc pensions, Payroll, pension playpen, pensions | Tagged , , , , , , , , , , , , , | 4 Comments

21st Century Retirement Income Update


  Well here I am in a Village hotel under the M1 seven miles south of Leeds to chair a day long conference on the opportunities for financial advisers from George Osborne’s Budget Changes (the photo is the lovely view … Continue reading

Posted in corporate governance, First Actuarial, NEST, pensions | Tagged , , , , , , , , , , , , , , , , | 1 Comment

“Better workplace pensions – further measures for savers”


Recognise the title? It’s what the DWP chose to call their Command Paper on charges. This paper is not a justification for a charge cap, it’s a new framework for DC pension governance. It’s gone un-noticed but only one chapter … Continue reading

Posted in advice gap, corporate governance, First Actuarial, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

All the right funds- not necessarily in the right order (a budget prescient blog)


  I wrote this blog hours before the budget which abolished annuities. For some reason I decided this morning, to write about investment as if annuities didn’t exist. From 2015, for new pensioners- they will no longer be the default, … Continue reading

Posted in auto-enrolment, CDC, corporate governance, dc pensions, de-risking, defined aspiration, Payroll, pension playpen, pensions, Popcorn Pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , | 4 Comments

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

Can TISA hit out on pension transfers.


Who knows, we might even have pot follows member one day. Continue reading

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A promise or a guarantee?


If Steve Webb wants AE to work, he should stop turning promises into guarantees and burdening employers with unforeseen liabilities and huge consultative and administrative costs. Continue reading

Posted in actuaries, auto-enrolment, corporate governance, EU Solvency II, Fiduciary Management, leadership, Liability Driven Investment, pension playpen, Popcorn Pensions, steve webb | Tagged , , , , , , , , , , , | Leave a comment