Tag Archives: Investment management

“We all defer together?” – Guest Blog from Ralph Frank


The recently announced consultation on pensions tax relief has stirred up thought and debate on the issue of incentivising long-term saving.  There are theoretical, commercial and practical aspects to be addressed in this process of defining an approach to pensions … Continue reading

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Lassitude or laxitude – 100 days of pension freedoms


“Lassitude” or “Laxitude” – what’s your judgement on how we’re carrying on? Or is this all just fine? Lassitude is a “proper” word that describes a lazy behaviour resulting from world weariness, laxitude is a made up word that describes … Continue reading

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I smell a (pensions) rat – what can I do?


An advert appeared yesterday on the Pension Play Pen Linked In Group.. If you’re in our Group, you can see it here The organisation – Save My Pension is offering a “route to market” with the message from its Director Danny Smith  … Continue reading

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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

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Can we afford financial services in times of austerity?


  Thomas Philippon , the celebrated economist, gave a lecture on Tuesday Morning as part of London University’s Leading Minds series. The gist of his talk is that the cost of financial services (the collective name for everyone who is an … Continue reading

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Let’s play fantasy CIO at NEST!


NEST has invited  all of us to play “fantasy CIO” and create a default investment strategy for its members to and through retirement. If you’re prepared to get to page 118 of the consultation paper, you are asked as question 18 … 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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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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