Tag Archives: Employment

Don’t get fooled by the phoney pension giveaway


The phoney give-away The most accurate measure for the success of private pensions in the UK is the replacement ratio; a measure of what percentage of people’s pre-retirement income is replaced by savings specifically for retirement. Steve Webb and the … Continue reading

Posted in annuity, Public sector pensions, Politics | Tagged , , , , , , , , , , , , , , , , , , , , | 1 Comment

“My pension offer” – explaining CDC to a confused public!


John Ralfe has been expressing his frustration that none of the CDC champions have made him a two page offer to tell him what a CDC pension offer might look like. I’ve not done this yet, partly because I’ve been … Continue reading

Posted in advice gap, auto-enrolment, CDC, pensions, with-profits, workplace pensions | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

The value of regular savings


  60 years ago, a revolution happened in the savings industry- it was the “standing order”. The standing order became the “variable direct debit” and people were able to establish regular savings plans which worked like magic, taking money from … Continue reading

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What’s that coming over the hill…? NAPF CDC DEBATE #Fail


  The NAPF CDC Debate The debate on how we organise our retirement incomes from our pension savings was not progressed at the NAPF’s CDC focussed pension connections meeting last night. A half filled room witnessing a debate between two “Pale … Continue reading

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Why IFA’s have nothing to fear and everything to gain!


  This morning I am chairing Money Marketing’s AE Invitational in Swindon. These will be my opening comments to the audience of invited IFAs who I’m looking forward to spending the morning with.   ” When I started selling insurance, … Continue reading

Posted in advice gap, auto-enrolment, pensions, Pensions Regulator, Politics | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

I’ve just been (pension) geeked!


Yesterday, as you probably weren’t aware, was national pension awareness day. I tried to tell you  in my Pension Play Pen weekly announcement but did you engage? I thought not September 15th was decreed so by the Pension Geeks among whom … Continue reading

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How much should I spend on retirement?


People get frightened by this question – they shouldn’t! The simple answer is that we all pay into a national pension scheme through national insurance and you can find out what you’re likely to get from the State we completing … Continue reading

Posted in Blogging, Debt, journalism, Payroll, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Fear of feedback


Everyone knows what social media does. For every blog there are comments, every forum has its threads, some twitter conversations last for weeks. It is the interaction between author and reader that makes it distinctive. The “Letter in the Times” … Continue reading

Posted in Facebook, social media, Start ups, twitter | Tagged , , , , , , , , , , , , , , | 2 Comments

Post budget capacity challenge for insurers


    Scottish Widows boss Toby Strauss has told the Telegraph that his company is already facing a capacity crunch as it digests the impact of legislative changes over the past two years and faces the challenges of 2015. The … Continue reading

Posted in annuity, auto-enrolment, brand, pensions | Tagged , , , , , , , , , , , , , , , , , | 14 Comments

“Educated beyond their intelligence”


Denis Skinner’s recent gibe at Tory Ministers ,and George Osborne in particular, is brilliant (even if the phrase was coined by another). For me- it will be a defining epithet for the coalition- it sums up the best and worst … Continue reading

Posted in Personality, Politics, St Paul's | Tagged , , , , , , , , , , , , , , | 2 Comments