Tag Archives: dc pensions

WOW – RDR II just broke out!


The FCA have launched what they call “a major new review looking at how financial advice could work better for consumers”. A quick scan of the Terms of Reference of this Financial Advice Market Review suggests it is as ambitious in … Continue reading

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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

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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

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“Tax relief – what are the numbers?” Guest blog from Ralph Frank


The Government has repeatedly expressed its concern, both in the 2015 Budget (paragraph 1.232) and in the recently announced consultation on pensions tax relief, at the level of income tax forgone through the provision of pension tax relief.  This concern … Continue reading

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Why “pensions ISAs” must be more than ISAs


Ros Altmann has recently commented that simply topping up ISAs and calling them “Pension ISAs” is not going to help solve our long-term retirement problems. The danger of using the ISA structure is that it ignores the fundamentals- that people … Continue reading

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Pension PlayPen’s response to the Treasury on pension tax-relief


The Treasury has asked eight great questions which go to the heart of how we incentivise pension saving. Here are our responses. We haven’t formally sent these responses to the Treasury yet, so if you have any comments, please send … Continue reading

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Pension’s day of reckoning draws nigh!


April 6th 2016 should be a date with a red circle round it on any pension’s office calendar. It’s the day when contracting-out officially comes to an end- “cessates” – is no more. It is also the date when the … Continue reading

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“Trust me , I’m a scorpion”


I was born at 11.02am on 11th November 1961, according to my star chart ,the sun, the moon, all the houses and for all I know Planet Pluto are in Scorpio, which makes me a little worried. This is no … Continue reading

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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

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Pensioner First


A consistent theme of the pension reforms we have witnessed over the past five years has been a focus on the consumer of pension savings – the pensioner. Set in the wider context of welfare policy, the proposals to re-align … Continue reading

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