Tag Archives: Investment management

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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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

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Double vision – a startling new blog from Ralph Frank


The latest Command Paper, ‘Better workplace pensions: Putting savers’ interests first’, has recently been published.  This Command Paper follows prior consultations by the Department for Work and Pensions (“DWP”) on charges, transparency and quality standards in workplace defined contribution pension … Continue reading

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We knew we were cheating our clients.


  Mark Wood (now of JLT and formerly of the Prudential) is calling on insurers to relax the early exit penalties on pension contracts set up in the “bad old days” when commission was paid in advance for premiums paid … Continue reading

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“Open Government isn’t an idea, it’s an action”


When you walk into the DWP’s offices in Westminster, you are greeted with a montage of Male, Pale and Stale mug-shots of politicians and permanent secretaries who are the DWP’s big wigs. Very 1980s – very Sir Humphrey! But that’s … Continue reading

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Pension PlayPen needs your digits.


  Digital marketing is something we’re having to learn as we go along. We’ve got to find 1,000,000 employers who don’t have a workplace pension and convince them of the importance of paying some attention to what their staff invest … Continue reading

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Sign up for The First Actuarial Monkey League -2014 !


  You can save yourself reading 644 words of Pension Plowman pontification and sign up for the Monkey League here. Or you can read the blog and take your decisions at the end.   Here’s why I’m promoting our Monkey … Continue reading

Posted in Financial Conduct Authority, Financial Education, First Actuarial, monkey league, pensions | Tagged , , , , , , , , , , , , , , | 3 Comments

Providers cherry picking pension customers? Whatever next!


Money Marketing is reporting that insurers are cherry picking the workplace pensions they take on . That this is news says a lot for the appalling lack of underwriting applied by insurers to the pricing of new business in this market over … Continue reading

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“Ring out the old – ring in the new”- who will be our investment fiduciaries in retirement?


Yesterday I went to the Schroders DC Challenge conference which was all about “delivering value and certainty” to retirement savers. I left enlightened by some interesting debates and one or two talks. I’ll share with you three observations that I … Continue reading

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Is the game up for active fund management?


The Department for Communities and Local Government announced yesterday that £85bn of actively managed assets could be transferred to passive management and that the fund of fund structures could be collapsed into a collective investment vehicles. This is very significant … Continue reading

Posted in advice gap, Liability Driven Investment, pension playpen, pensions, Personal Accounts | Tagged , , , , , , , , , , , , | 2 Comments