Tag Archives: Investment

Why assume gains before they are earned? (guest blog by Ralph Frank)


  Downturns in financial markets have been known to trigger bouts of introspection.  Current markets seem to be no different in this regard.  Some investors have seen their carefully crafted plans blown off course, possibly not for the first time, … Continue reading

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What if? ……Investment reporting for the future…


What if….. when I opened Google Earth and ran the cursor over my home town/county/country , I could see Housing stock being built Brownfield sites being redeveloped Start ups igniting into action Listed companies adapting to a new cleaner  greener … Continue reading

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Terry Smith – What I have learned from Fundsmith in the Past Five Years


Fundsmith is my favourite fund manager. Like Aberdeen (another favourite whose conference I’m going to today), it is an organisation with a strong purpose (moral and social). Terry Smith is an extraordinary man who’s views are always worth reading. He … Continue reading

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SHOW ME THE MONEY! What’s going to happen our auto-enrolment savings?


People want to know what happens to the money they invest and we are terrible about explaining where their money ends up. This blog talks about how we can make pension investment as vivid and real as the picture above. Over … Continue reading

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“TEEN-AGE kicks” – incentivising sensible spending in retirement


“A teenage dream’s so hard to beat.. Just say those words and I’m thinking  1978, radio under the pillow – John Peel show – 11pm. But I could relive the TEEN- AGE kicks in a few years time, if that … Continue reading

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Are employers buying workplace pensions on value or price?


We have started an interesting project looking at the reasons given for choosing a workplace pension. Our sample is those employers who have used http://www.pensionplaypen.com ‘s “choose a pension” tool. For those who don’t know- the tool analyses data input … Continue reading

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How do you compare pension default funds?


    An old colleague contacted me yesterday with a simple (but great) question. “how do you compare pension default funds”. I can speak on this for First Actuarial, who provide the investment ratings on default funds for the Pension … Continue reading

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“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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This scaremongering on auto-enrolment has to stop!


Scaremongering Scaremongering sells newspapers and we love to be afraid. It is easy to write stories that play on our fears, because they are the ones we want to read. But that doesn’t make scaremongering alright, just as it doesn’t … Continue reading

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Free to overpay tax?? – what kind of freedom is that?


Question – when is a freedom a pension freedom? Answer- when its got a big tax-bill attached! The pensions minister Ros Altmann has said the government’s proposals to tax pensions in a similar way to individual savings accounts could be … Continue reading

Posted in Pension Freedoms, pension playpen, pensions | Tagged , , , , , , , , , , , , | 1 Comment