Tag Archives: National Employment Savings Trust

When will we ever learn?


  There are no short-cuts in pensions, there are no silver bullets, easy answers, no lottery wins, no free alpha. There’s just a lot of hard saving backed up by good governance , cost control and sound investment strategy. Pete Seeger, … Continue reading

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Pension transfers – are they worth it?


Britain is in great need of advice on transfers between one pension and another. This doesn’t just mean transfers from defined benefit schemes to defined contribution schemes, it means support in transferring pot to pot transfers for DC arrangements. Unless … Continue reading

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Let’s talk about risk – trustees, let’s talk about you and me..


Members cannot take exercise freedoms on pensions in payment so the decision to draw a DB pension is as irreversible as buying an annuity. Trustees need to make their members knowledgeable about their options. Continue reading

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How Payroll can avoid offering pension advice (in 5 easy lessons)!


The blog in a nutshell This is a long risk-warning to payroll bureau and their software suppliers  who may be considering providing advice to employers by reducing the choice of pension options to one – a default. If you don’t … Continue reading

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How challenging? We are IGC


I love it when you get “Pension News” from a lawyer. The latest gem comes from Pinsent Masons, who reveal that the FCA expects Independent Governance Committees to challenge insurance companies. This is what I call a “not news” story … Continue reading

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Preparing the pocket to pick; a great guest blog from Ralph Frank


  Multiple changes to the regulations governing the UK pensions landscape were announced in 2014. The most positive of these changes, in my opinion, related to the issues of transparency and governance. The ‘charges cap’ enjoyed the greatest prominence of … 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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“Free money”- why do those eligible for it- not want it; guest blog from Ralph Frank


NEST has recently published its latest annual ‘insight’, a study that looks at the behaviours and attitudes of members enrolled into workplace pensions.  The ‘insight’ finds that older workers have significantly higher opt-out rates from auto-enrolment than younger workers – … Continue reading

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Payroll – the new paymasters?


It is a truth universally to be acknowledged that the man who bills the client is likeliest to get rich. We have got used to insurance companies and advisers controlling the price of our pension savings schemes. But  by April … Continue reading

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Is NEST best?


Back-slapping all round NEST launched its third Insight into the state of the UK auto-enrolment project yesterday. This was a land grab for AE glory. At the front of the pack was Joanne Segars whose NAPF hosted the event. Hopefully … Continue reading

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