Tag Archives: National Employment Savings Trust

Will CDC be available to everyone with a DC pot – or just a lucky few?


A snag has emerged in the Drafting of the Pension Schemes Bill (that will introduce Defined Ambition and with it CDC). It’s one of those little things that seems easy to fix but which has potentially huge consequences, a bit like … Continue reading

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If we can provide health screening – we can provide pension guidance


  Organising the Guidance Guarantee is a daunting task but it is no more daunting than many public welfare initiatives. Each year the NHS screens and advises millions of us on a variety of health issues. From STDs to Breast … Continue reading

Posted in advice gap, happiness, Henry Tapper blog, Management, pensions | Tagged , , , , , , , , , , | Leave a comment

How retirement products evolve (and revolve).


  There are three drivers that shape the evolution of financial products – supply, demand and Government intervention. Between the mid 80s and today Britain has seen a Financial Services Revolution that has been no less dramatic than the agrarian … Continue reading

Posted in auto-enrolment, Bankers, corporate governance, Financial Education, pensions | Tagged , , , , , , , , , , , , , | Leave a comment

Time to ditch the “institutional” from pensions


  There has always been a gulf between retail and institutional pensions. But I have never felt it so inappropriate . Retail pensions were sold on commission, organised by insurance company and regulated by the Treasury via the FCA and its … Continue reading

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10 things we’d see in Monday’s Guidance Guarantee!


  Tomorrow (Monday 21st July), the Government will announce how it intends to deliver the guidance guaranteed to those reaching state pension age. We want an independent process that helps people  take decisions rather than telling people what to do. We can’t … Continue reading

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What employers want to help them choose their pension.


The Pension Regulator has commissioned some research on what small employers want from pensions. I can share with you some of the key findings “48% of small and 79% of micro employers currently have no pension scheme so will have … Continue reading

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Note to @stevewebb1 – My Pot can follow me to CDC.


John Ralfe, at a City seminar claimed there was no appetite for CDC either among employers or among members of pension schemes. Well I disagree; the people I talk to who are not in pensions say they want change- new … Continue reading

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Carry on nudging!


We may just have been nudged. We’ve been getting  interested in salary sacrifice. We have been building a salary sacrifice modeller into the workforce assessment tool on http://www.pensionplaypen.com by popular demand. Initially I had thought  salary sacrifice was benefiting employers but … Continue reading

Posted in auto-enrolment, Payroll, pension playpen, pensions | Tagged , , , , , , , , | 1 Comment

The great pensions rotation


“Everything dies honey that’s a fact, and everything that dies some day comes back” – Bruce Springsteen DB died the day they guaranteed indexation. DA will be born the day they take that guarantee away. Ring out the old, ring … Continue reading

Posted in dc pensions, de-risking, defined ambition, defined aspiration, FSA, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , | Leave a comment

Awards reward Pension PlayPen for a cracking year


It was only a year ago when I, Andy ,Stella ,Martin, Steven,Guy and the lads from @firstactuarial signed the share register and launched http://www.pensionplaypen.com Within 12 months we have had nearly 100,000 visitors to our site; 329 companies use our … Continue reading

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