Tag Archives: Financial services

The true cost of pensions; UK vs Netherlands – guest blog from Emma Craig of KAS Bank


  Yesterday the Financial Services Consumer Panel released a paper outlining key issues for long term savers created by opacity in the true cost of investing in pensions. As auto-enrolment of workers into (predominantly) Defined Contribution pensions continues apace the … Continue reading

Posted in CDC, drawdown, DWP, Financial Conduct Authority, Financial Education, First Actuarial, pension playpen | Tagged , , , , , , , , | Leave a comment

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

Posted in dc pensions, pensions, Treasury, workplace pensions | Tagged , , , , , , , , , , , , , , , | Leave a 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

Posted in advice gap, Martin Lewis, pension playpen | Tagged , , , , , , , , , , , , , | 2 Comments

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

Posted in Accelerator, annuity, pension playpen | Tagged , , , , , , , , , , , , | Leave a comment

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

Posted in pension playpen, pensions, Retirement, welfare, with-profits | Tagged , , , , , , , , , , , , | Leave a comment

“Living longer? -Epic. Needing to pay for it? -Challenging”. Vivi Friedgut on long-term saving.


Have fun when you’re young, enjoy yourself, you only live once and the future will take care of yourself. Ever been given that advice? Nice sound-bites but only really applicable to those fortunate enough to have a large financial safety … Continue reading

Posted in pension playpen, pensions | Tagged , , , , , , , , , , | 4 Comments

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

Posted in pensions, pension playpen, auto-enrolment, Payroll, Start ups, advice gap, accountants, Pensions Regulator | Tagged , , , , , , , , , , , , | Leave a comment

Pensions are yours to spend – but how do you get to the shops?


Ours to spend! If I were to give you £100,000 and tell you that that was to bide you over to the end of your life you might initially be excited – you might then become apprehensive and you might … Continue reading

Posted in advice gap, pension playpen, pensions, Pensions Regulator, Personality, social media | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Straight talking from the IMA on charges?


  In one of the least incisive video interviews I’ve seen this year, here’s Ian Smith of Pensions Week quizzing Jonathan Lipkin- IMA Director of Public Policy Decision- on how the IMA and its members are facing up to the … Continue reading

Posted in FCA, Financial Conduct Authority, Financial Education, governance, pensions | Tagged , , , , , , , , , , , , , | 5 Comments