Tag Archives: National Employment Savings Trust

More thoughts on the future of the Pensions Regulator.


  Yesterday , Professional Pensions advertised my blog “two into one can go” under the more contentious headline “why tPR has had its day“. I’ve given Jack Jones editorial licence and the headline’s fine with me. It was a bad … Continue reading

Posted in FCA, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

What payroll can do to keep away the loan sharks.


We all know the sharks that swim in financial waters preying on the weakest and driving them and their families into deeper debt with all the social and health problems that “deep debt” brings. And I’m sure that if it … Continue reading

Posted in Debt, investment, ISA, Management, Martin Lewis, Payroll, pension playpen | Tagged , , , , , , , , , , , , , , , , | Leave a comment

“What we need and what we want” – financial education in schools


  Many congratulations to Tracey Bleakley and all at pfeg for getting personal finance onto the national curriculum from today. Speaking on Wake Up To Money this morning, Tracey was asked what the one piece of financial advice she’d give to those in her … Continue reading

Posted in FCA, Fiduciary Management, Financial Conduct Authority, Financial Education | Tagged , , , , , , , , , , , , , , | 2 Comments

Why I work for First Actuarial


  First Actuarial celebrates its 10th anniversary this year and it has a lot to celebrate Record profits with turnover up from £12.5m to £14m All nine of the original Founders in place – now joined by a further 8 … Continue reading

Posted in actuaries, First Actuarial, pensions | Tagged , , , , , , , , | Leave a comment

What did you do in the war Daddy?


One of the most successful recruitment campaigns ever- focussed on this simple question. It asked young men to imagine themselves once the fighting stopped having to explain to those in their care the contribution they’d made to the war effort. … Continue reading

Posted in pensions, annuity, corporate governance, advice gap, accountants, Pensions Regulator | Tagged , , , , , , , , , , , , , , | Leave a comment

Is an annuity an investment product? Perhaps not!


  I have been worrying about a presentation I have to deliver to an investment group on the value of annuities. I have long felt that annuities are a rubbish investment and UK annuities a particularly rubbish investment. My confidence … Continue reading

Posted in advice gap, annuity, pensions, Pensions Regulator | Tagged , , , , , , , , , , , | 2 Comments

Does anybody care what you think?


  I bet you’ve sat in an exam hall , or been asked to complete a questionnaire or stared at the comments box below an article you’ve read and gone “nah-better not”. The rubric is that “your views matter”, but … Continue reading

Posted in actuaries, pension playpen, pensions | Tagged , , , , , , , , , , , , , | Leave a comment

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

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

Making a buyer’s market for pensions


Organisations such as Which have always charged a subscription for their research. Those prepared to pay a regular monthly amount built libraries of reports which help us purchase everything from groceries to credit cards. Which put its readers in control- … Continue reading

Posted in advice gap, alvin hall, Martin Lewis, pensions | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

Freddy Flumper gets savvy!


  It’s been some days since I’ve reported on the fabulous Freddy Flumper -“fabulous” in the sense that he lives only in the fable on this blog. For anyone who missed the instructive fable of Freddy and Tony Lamborghini , we … Continue reading

Posted in actuaries, advice gap, Australia, auto-enrolment, pension playpen, pensions | Tagged , , , , , , , , , , , , , , , | Leave a comment