Tag Archives: Employment

Knowing the “money” in “value for money”.


At last we may get to know what we really pay for the management of our funds so we can work out it it’s worth it. Continue reading

Posted in accountants, actuaries, annuity, investment, pensions, Pensions Regulator, risk | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

When will we ever learn?


  There are no short-cuts in pensions, there are no silver bullets, easy answers, no lottery wins, no free alpha. There’s just a lot of hard saving backed up by good governance , cost control and sound investment strategy. Pete Seeger, … Continue reading

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

Why are we not talking about our pensions? An IFA’s view (guest blog)


On 6 April 2015, brand new rules that affect the way UK retirees can access their pension will come into effect. To assist people in generating their retirement income the government has guaranteed free guidance to all retirees, yet a … Continue reading

Posted in pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , | Leave a comment

Pension transfers – are they worth it?


Britain is in great need of advice on transfers between one pension and another. This doesn’t just mean transfers from defined benefit schemes to defined contribution schemes, it means support in transferring pot to pot transfers for DC arrangements. Unless … Continue reading

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

Why DB pension promises may need a credit rating.


How do you rate the creditworthiness of your scheme’s funding? Trustees of defined benefit schemes now have to properly assess the employer’s ability (and willingness) to fund the promises made to the members of the scheme. The assessment helps them in negotiations with the … Continue reading

Posted in de-risking, defined ambition, Pension Freedoms, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Money in auto-enrolment? – the jury’s out!


This morning and regularly over the next few weeks, I will be speaking at Money Marketing Auto-Enrolment invitational events around Britain. These are the slides that I will  be using   Advisers and auto enrolment from Henry Tapper It’s odd … Continue reading

Posted in auto-enrolment | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

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

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , , , | 5 Comments

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

Posted in pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , | 2 Comments

Preparing the pocket to pick; a great guest blog from Ralph Frank


  Multiple changes to the regulations governing the UK pensions landscape were announced in 2014. The most positive of these changes, in my opinion, related to the issues of transparency and governance. The ‘charges cap’ enjoyed the greatest prominence of … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , | 1 Comment

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

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