Tag Archives: annuity

Ten things everyone should know about workplace pensions


              Pensions are difficult; how can buyers choose one from another? Look from the list of categories at the attributes that IFAs consider important when deciding on a pension? Confused? …… I was! The traditional … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , | Leave a comment

What employers can do to get their members better pensions


Yesterday I had a chance to talk with a large employer about what they can do to help improve the outcomes of their DC plans. Influencing employees to get the best out of their pension savings means getting them to … Continue reading

Posted in Payroll, Pension Freedoms, pension playpen, pensions, Pensions Regulator, Popcorn Pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Why the FCA should take a leaf out of tPR’s book.


  The Pensions Regulator have been re-born over the last five years and become focussed on helping advisers, trustees and employees solve pension problems. They have started treating us as  customers and not potential criminals. Sadly, this attitudinal shift doesn’t seem … Continue reading

Posted in advice gap | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

“We all defer together?” – Guest Blog from Ralph Frank


The recently announced consultation on pensions tax relief has stirred up thought and debate on the issue of incentivising long-term saving.  There are theoretical, commercial and practical aspects to be addressed in this process of defining an approach to pensions … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , | Leave a comment

The transfer mess gets worse…


It’s been some weeks since I wrote about transfers. To recap, I have been predicting a seizure in the transfer market , resulting from high demand, low-advisory capacity and pipes blocked with regulatory effluent. So it doesn’t come as a … Continue reading

Posted in Treasury, trustee | Tagged , , , , , , , , , , , , , , , , | 10 Comments

If that’s all there is my friends – well let’s keep working!


The numbers are out , extracted by the tenacious Josephine Cumbo @henryhtapper @citizensadvice @tpas Only 18,000 TPAS/CAB appointments. 925000 people checked out Pension Wise online. — Josephine Cumbo (@JosephineCumbo) July 22, 2015 Jo and I probably share differing levels of … Continue reading

Posted in pensions | Tagged , , , , , , , , , | 1 Comment

Beware “black-box” auto-enrolment “solutions”.


Katie Morley of the de Daily Telegraph has written an important article claiming that the occupational schemes set up to relieve the needy of their pension savings before retirement are now turning their sights on auto-enrolment. This may or may not … Continue reading

Posted in First Actuarial, pensions, Pensions Regulator, Popcorn Pensions | Tagged , , , , , , , , , , , , , , , , , , , , | 2 Comments

Why I’m backing the master trust assurance framework


Back in May 2014, the Pension Regulator launched on an unsuspecting world the ICAEW’s Technical Release “Assurance reporting on master trusts”. At the time I was dismissive of this document and the Master Trust Assurance Framework (MAF). Write in haste , … Continue reading

Posted in auto-enrolment, pensions, Pensions Regulator, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

Lassitude or laxitude – 100 days of pension freedoms


“Lassitude” or “Laxitude” – what’s your judgement on how we’re carrying on? Or is this all just fine? Lassitude is a “proper” word that describes a lazy behaviour resulting from world weariness, laxitude is a made up word that describes … Continue reading

Posted in CDC, pensions, Popcorn Pensions | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

We had it coming!


I haven’t read the reaction of the pension hierarchy to the Treasury’s consultation on the future of pension tax relief – I don’t have to. Steve Bee’s tweet “I don’t want to spend the rest of my time on this … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , | 2 Comments