Tag Archives: National Employment Savings Trust

Block and delete – the only way to deal with “FROZEN PENSION. CO .UK


Today I took the unusual step (for me) of blocking and deleting John Adam of IM Consultants who trades through http://www.frozenpensions.co.uk and wants to unlock your pension to invest it in Brazilian rainforests and other investment scams. The disclaimer on … Continue reading

Posted in advice gap, pensions | Tagged , , , , , , , , | 3 Comments

How do I buy financial advice?


At two recent events – (the Corporate Adviser Summit and the Investment Network), Advisors have told me that they choose clients not by “minimum fee” but by “minimum funds”. This sets my alarm bell ringing! If you want to see … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , | 2 Comments

Wish us luck as we Pitch to be Britain’s top micro-employer!


  Today’s the day we pitch to be Britain’s top micro-enployer at the Paintworks in Bristol. We are one of 30 employers left in the competition, one of 20 actively trading- we have a 5% chance of winning! But that … Continue reading

Posted in advice gap, auto-enrolment, corporate governance, dc pensions, NEST, pension playpen, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , | 3 Comments

It’s not just pension taxation that’s changing- products are!


Pension PlayPen’s Submission to the Parliamentary Committee reading the Pension Schemes Bill Continue reading

Posted in CDC, David Pitt-Watson, dc pensions, defined aspiration, pension playpen | Tagged , , , , , , , , , , , , , | Leave a comment

The great pension bank robbery


  I give 2 ½ cheers George’s pension package, the “½” being for the complex misrepresented “death-tax” changes which are regressive, complicated and could easily have been dealt with using inheritance tax legislation already in place. I give no cheers … Continue reading

Posted in advice gap, annuity, auto-enrolment, NEST, Payroll, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , | 2 Comments

Tiny steps towards better DC outcomes- #CASummit14


Having spent 36 hours in the company of Life Co “strategists” and their counterparts in the IFA and EBC communities, I can now try and make sense of where “heads are at”. The mood has changed. Two years ago, the … Continue reading

Posted in advice gap, annuity, auto-enrolment, dc pensions, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , , | 1 Comment

In defence of genius.


Genius is not just misunderstood – it is persecuted. Those who didn’t get Copernicus, Galileo, Wordsworth or Darwin did not ignore these genius’, they set out to do them in. Bob Dylan when he laid out his Highway 61 album … Continue reading

Posted in actuaries, advice gap, CDC, David Pitt-Watson, dc pensions, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , , , | 1 Comment

It’s all down to the management –


    I’m watching the rain-soaked start of the Japanese Grand-Prix in Suzuka and marvelling at the organisation of a formula one team. What will get your driver first past the chequered flag. Engine- tyre management -DRS- Driver – race … Continue reading

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

The value of regular savings


  60 years ago, a revolution happened in the savings industry- it was the “standing order”. The standing order became the “variable direct debit” and people were able to establish regular savings plans which worked like magic, taking money from … Continue reading

Posted in advice gap | Tagged , , , , , , , , , , , , , , , , | 1 Comment

What’s that coming over the hill…? NAPF CDC DEBATE #Fail


  The NAPF CDC Debate The debate on how we organise our retirement incomes from our pension savings was not progressed at the NAPF’s CDC focussed pension connections meeting last night. A half filled room witnessing a debate between two “Pale … Continue reading

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