Tag Archives: DWP

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

Posted in NEST, pension playpen, pensions, twitter, workplace pensions | Tagged , , , , , , , , , , , , | 3 Comments

What do I do with my defined benefit pension?


  Many people have defined benefit rights (commonly called “frozen pensions”). Some people continue to build up defined benefit pension rights, most are in Government backed schemes. A large number of people are enjoying pensions from theses defined benefit schemes. … Continue reading

Posted in advice gap | Tagged , , , , , , , , , , , , , , , , , , , , , , , | 6 Comments

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

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

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

Posted in advice gap, FCA, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , | 2 Comments

What should employers do about pensions?


Employers pay pensions – don’t they? It’s baked into the DNA of Government social policy that a part of the welfare system is managed by employers prepared to fund an employee benefit that provides a certain income in retirement. So … Continue reading

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

How competitive is our private pension system?


    We are three months away from the launch of the new pension freedoms and not much is happening. There ain’t nothing shaking but the leaves on the trees! NEST has issued a lengthy consultation on what it should … Continue reading

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

Why we will have to wait for our freedom.


A prospect of market failure The sentence may have been over-turned but the prisoner is not free. At best he can wander the prison yard but the prison gates remain locked and even when they open , the pension will … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , | 7 Comments

Get your BR19 as your first step to being “Pension Wise”


Treasury now in charge of “Pension Wisdom”. Another Monday, another set of pension headlines. The Treasury announce that the Guidance Guarantee is no more and hereafter the delivery mechanism for the help we’ll be getting at retirement will be called … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , | 3 Comments

Will we be ready in time? – great blog by Ralph Frank


The wide range of changes to the UK (defined contribution) pensions environment announced in 2014 start to kick-in during the course of 2015. Much work lies ahead in finalising the detail of these amendments and subsequent implementation. There is a … Continue reading

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

Separation


Can employers nudge staff into drawdown products? Should there be a degree of separation? If so – how can separation be achieved? Continue reading

Posted in pension playpen, pensions, Pensions Regulator, Retirement, workplace pensions | Tagged , , , , , , , , , , , , , , , , | 2 Comments