Tag Archives: pension playpen

IFAs and actuaries – as easy as “A Cap B”.


For half of the 30 years I’ve been advising people, I was paid by private individuals to help them take difficult financial decisions. For the other half, I’ve been paid by employers to help their staff take difficult decisions. This … Continue reading

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

Consistency and Simplicity (guest blog – Ralph Frank)


  The current UK pension taxation regime gives preferential treatment to Defined Benefit (“DB”) savers relative to Defined Contribution (“DC”) savers at both theAnnual Allowance (“AA”) and Lifetime Allowance (“LA”) levels.  The current taxation system is overly complex, with two … Continue reading

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

Is auto-enrolment any more than a tax?


Speaking in Birmingham last week, former pension minister Steve Webb, commented on how hard it will be to raise the bar on employer auto-enrolment contributions from the current 1% of band earnings to 3% "Anything to get AE pension contributions … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , | 1 Comment

For Ros Altmann, the best is yet to come.


Ros Altmann is our new pension minister, this is unequivocally good news. For years people have been poking fun at Ros Altmann for her claims to be a Government Advisor. Between 2001 and 2005 she was an advisor to no … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , , | 1 Comment

Five reasons why pensions need payroll.


  I have been involved in pension management for over 30 years, the last 2o years dealing with large employers and the management of their schemes. In the past ten years I have seen a shift from in-house pension management … Continue reading

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

A Transparency Taskforce?


  A Transparency Taskforce? Sounds good doesn’t it?  Echoes of the Falklands, of Maggie v the Argies (don’t mention the Belgrano) But the task force that will meet later this morning at the University of London Senate House, at the … Continue reading

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

Pension pandemonium within 12 months!


  “F*ck the file” that’s what I say- or what I would say if I wasn’t in an office full of people who live, eat and breathe Excel. I’d like my office to be file-less within 5 years (make that … Continue reading

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

Dear Government- “Five do’s, five don’ts” – #pensions


For those slipping quietly into retirement in the UK the political promises are about the revaluation of your state benefits, the payment of your winter allowance and the tax treatment of your savings and income. Whatever you have done or not … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , , | 4 Comments

What’s the cost of choice?


I and my colleagues are fascinated by financial decisions; who to take out your mortgage with, who to bank with, which ISA to choose and which pension scheme to select for your staff. Which , Money Saving Expert and the … Continue reading

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

A grumpy nod for more of the same? #GE2015


This has been a grumpy election campaign with a lot of arguing but precious little happening in the polls. There have been the odd flashes of passion, the first leaders debate, the folly of #villagate and Boris and Ed scrapping … Continue reading

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