Tag Archives: dc pensions

Magic beans and “negative capability”


Negative capability describes the capacity of human beings to transcend and revise their contexts. If we dismiss it as “magic beans” we are committed to repeating the mistakes of the past – and- as we all know – that way is madness. Continue reading

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5 good reasons we need a secondary annuity market


I returned from a long walk this morning to a barrage of negativity on twitter. The outrage of the pensions twitterati was reserved for the Government’s pre-budget leak that people will be able to buy and sell annuities as if … Continue reading

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An escape plan for pensioners or pension schemes?


Collectively we are short on immortality Continue reading

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Will pension freedoms be the death of Defined Benefit?


  I thought it was the last supper (or at least the last pension playpen lunch). We had twelve men around the table (no women) and there was sombre expectation as we considered the impact small changes in tax legislation … Continue reading

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Let’s talk about risk – trustees, let’s talk about you and me..


Members cannot take exercise freedoms on pensions in payment so the decision to draw a DB pension is as irreversible as buying an annuity. Trustees need to make their members knowledgeable about their options. Continue reading

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How Payroll can avoid offering pension advice (in 5 easy lessons)!


The blog in a nutshell This is a long risk-warning to payroll bureau and their software suppliers  who may be considering providing advice to employers by reducing the choice of pension options to one – a default. If you don’t … Continue reading

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How challenging? We are IGC


I love it when you get “Pension News” from a lawyer. The latest gem comes from Pinsent Masons, who reveal that the FCA expects Independent Governance Committees to challenge insurance companies. This is what I call a “not news” story … Continue reading

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Grown up brands


How does a brand develop gravitas? Almost all internet start-ups set out to disrupt and this disruption starts with the brand. From the fore-runner Egg to the much advertised Nutmeg, we are asked to think of the brand as something … Continue reading

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Independence just got that little bit more valuable.


Standard Life have announced that they are setting up a salesforce offering restricted advice . Apparently it demonstrates the insurer’s commitment to the advisory sector. I suspect it is a recognition that the experiment providing mass market independent advice is all but … Continue reading

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Good news from the Regulators


          It has been an important week for the regulation of workplace pensions. Not only have the DWP published the rules that govern workplace pensions qualifying to be used for auto-enrolment, but the FCA  published – … Continue reading

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