Tag Archives: Employment

A miserable device; – guest blog from Ralph Frank


Members who cease paying into defined contribution pension arrangements often pay higher management charges than their colleagues who continue to add to their savings. This two-tier charging approach is euphemistically referred to as the ‘Active Member Discount’ (“AMD”). I guess … Continue reading

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Disclosing costs – we are almost there!


The Financial Services Consumer Panel have issued a damning condemnation on the £5tr British Funds Industry for failing to tell people what they are paying for and how much they are paying when they invest their money in British Funds. … Continue reading

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So what’s the point of the DC trustee?


  It’s the first rule of trusteeship- if you can’t measure it – don’t trust it. It’s the right of anyone who has their own pension pot to know how much they are paying for the management of their money. … Continue reading

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Cass calls on fund managers to be paid on results.


    Dr Nick Motson of Cass Business School has issued another broadside at the funds industry who have been dilatory at best in responding to consumer pressure to better align its fees to the value it brings to consumers. … Continue reading

Posted in accountants, advice gap, David Pitt-Watson, dc pensions, pension playpen, pensions | Tagged , , , , , , , , , , , , , , , , | 1 Comment

Does Generation X really trust the Internet?


  I laugh at my Mum who goes to Shaftesbury library to find out what to do. She’s 84 and you’d have thought she’d have learned how to use an iphone by now. I mean my 17 year old kid … Continue reading

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The fine line between “patronising” and “paternal”.


Last week Tom Mcphail (Hargreaves Lansdown) had a go at Teresa Fritz (financial Services Consumer Council and MAS) about the need for advice. You’d expect the two to clash, FSCS and MAS are not much loved by advisers who see it as an incompetent … Continue reading

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Is there a place for digital advice in pensions?


  I spoke yesterday at the Pershing Conference in Westminster. My pal David Calfo who is managing many of the seismic changes at the University Superanuaition Scheme  spoke with me and the session was chaired by Pershing’s Gerard Wellesley. It … Continue reading

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BRITAIN’S BIGGEST TABOOS: 20 MILLION PEOPLE STRESSED ABOUT FINANCES, YET TALKING ABOUT MONEY REMAINS OFF LIMITS


I don’t normally do press releases on here, I will make an exception here. People are embarrassed about money – when it’s their money they are talking about. The taboos about debt, wealth and financial planning are real and we need … Continue reading

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Pensions for start-ups – you having a laugh?


Well “no” actually! This article sets out to explain why even the youngest of companies should be planning for pensions. Pension planning isn’t top of the list for entrepreneurs, most hope their business will become their pension. But there are good … Continue reading

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Why don’t people trust pensions and pension sellers? Guest Blog from Mark Scantlebury


These are the unregulated thoughts of seven guys and one gal, having a chat over a Pension Play Pen pint and a pie. Please, don’t construe any of this as any sort of advice. We take no responsibility for what … Continue reading

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