Category Archives: pensions

Meaningless choice


Originally posted on The Vision of the Pension Playpen:
“Choice good… no choice bad” – unless you’re a utility company offering a plethora of tariffs in which case – “too much choice… bad”. Choice – good for mums wanting childbirth options….bad for the new breed…

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Is Pension Wise doomed from the start?


This question was posed on the Pension Play Pen Linked in Group by Jonathan Lawlor, a distinguished actuary and someone who thinks about these matters with an independent mind. He had been reading a new paper by Debora Price “Financing … Continue reading

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“Getting paid” – why advisers are shunning auto-enrolment


    Amidst the back slapping as we pass 5m auto-enrolled into workplace pensions you hear little rejoicing from financial advisers. The majority we speak to are avoiding auto-enrolment for one reason- they can’t get paid for what they do. … Continue reading

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Who is going to support auto-enrolment now?


So far 43,000 firms have staged auto-enrolment, in 2015 45,000 employers will stage and in January 2016 alone over 100,000 firms will stage. Whereas most employers who have staged so far will have had workplace pensions and advisers, the 1.25m … Continue reading

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Meaninglessly big data.


I don’t like this infographic, it just appeared on my twitter feed to attract me to an article that would lead me to the conclusion that I was helpless and needed the assistance of some organisation to create me a … Continue reading

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De-risking strategy found in pocket of comatose trustee


  The Pension Plowman rifling through the pockets of a trustee lying in the gutter following an all night pension celebration , has found too documents, the first a copy of Corporate Adviser the full text of which can be … Continue reading

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Protecting against losses is not the same as generating a profit – guest blog from Ralph Frank


  The Swiss National Bank’s (“SNB’s”) decision to abandon the currency ceiling of the Franc relative to the Euro has drawn attention to risk management and hedging. The losers from the SNB’s actions, including retail leveraged trading platforms, investment banks … Continue reading

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Is NEST best?


Back-slapping all round NEST launched its third Insight into the state of the UK auto-enrolment project yesterday. This was a land grab for AE glory. At the front of the pack was Joanne Segars whose NAPF hosted the event. Hopefully … Continue reading

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How did IFAs end up payroll experts?


  In 2011 I started getting interested in payroll. Having read the automatic enrolment regulations it seemed I’d have to if my firm was to help employers. In 2012 and 2013 and 2014 I was named among the top 50 … Continue reading

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How low can guidance go?


The FCA have published an important document that sets out to define where guidance ends and advice begins. Thankfully , it’s one you can read without feeling guilty that you aren’t going to answer 150 consultation questions! The FCA has … Continue reading

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