Category Archives: Retirement

A buyers guide to auto-enrolment software


Some initial thoughts Auto-enrolment software exists to automate the processes your company needs to establish to stage and maintain auto-enrolment. For most employers it is another payroll headache (along with RTI) that needs a purchased solution. Normally companies purchase on … Continue reading

Posted in accountants, advice gap, annuity, auto-enrolment, middleware, NEST, now, Payroll, pension playpen, pensions, Retirement | Tagged , , , , , , , , , , , | 2 Comments

“Thinking slowly” with Morten Nilsson of NOW Pensions


It was a disappointment on touring the British Library on Thursday to be old that on this tour I would see no books. I had hoped to see the Nowell Codex which is the only surviving copy of the epic … Continue reading

Posted in auto-enrolment, norse sagas, pensions, Retirement | Tagged , , , , , , , , , , , | 1 Comment

PQM – under new management, deserves a second chance


  News that Adrian Boulding has taken the chair at the Pension Quality Mark and that its new MD is crack Kiwi-saver Justine Tate, roused me to re-engage with a venture I had thought as much use as a chocolate … Continue reading

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

Standard Life comes up trumps


Four years ago I sat in a crowded room in the DWP’s offices, to hear insurer after insurer refuse to commit to providing a service to small and medium sized companies, let alone the micro employers of which there are … Continue reading

Posted in advice gap, dc pensions, pension playpen, pensions, Retirement, workplace pensions | Tagged , , , , , , , , , , , , , , , , , | Leave a 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

Your life for sale – what a liquid annuity market could mean.


Why people like me get cross with him is that he is dangling carrots and waving sticks but the donkey is locked in the stable. To get the animal moving, Steve Webb or his successor is going to have to open the stable door. Continue reading

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The realpolitick of pension charges


Let’s hope that wherever this goes next, the DWP can win through and that we get protection in this important and misunderstood area of pensions finance Continue reading

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Employers can help staff with their money – if only we’d let them


It’s time companies got their mojo back and got real with staff. Www.pensionplaypen.com helps to do just that. Continue reading

Posted in auto-enrolment, Henry Tapper blog, pensions, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , , , | Leave a comment

The ABI’s 10 problems with CDC – with 10 answers!


The ABI have 10 problems with Steve Webb’s collective DC plan, articulated as follows by Huw Davies , their  Director of Policy. As usual his is a constructive  outcome focussed argument as you’d expect  from an organisation devoted to making the lot of Britain’s … Continue reading

Posted in CDC, Change, pensions, Retirement | Tagged , , , , , , , | 1 Comment

The quality of savings is constrained


  Apologies to the bard – my point is this; the act of saving is laudable but its impact is variable. Saving is not always a good thing and as a spending choice has to compete with debt repayment and … Continue reading

Posted in auto-enrolment, Retirement, Start ups, workplace pensions | Tagged , , , , , , , , | 2 Comments