Tag Archives: Pension Regulator

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

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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

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Two thirds of SMEs are pension virgins.


New research is out on the purchasing intentions of the remaining 1.2m employers who aren’t “in” to auto-enrolment. Of the  SMEs surveyed who are yet to stage, two thirds (66%) don’t have any existing pension arrangements for their staff while … Continue reading

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Time for payroll to take on pension management?


When I look into my crystal ball, I see three changes to the way that pensions are going to be managed within companies going forward. The old high maintenance approach will fall away as pension providers streamline their processes and … Continue reading

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5 good reasons we need a secondary annuity market


I returned from a long walk this morning to a barrage of negativity on twitter. The outrage of the pensions twitterati was reserved for the Government’s pre-budget leak that people will be able to buy and sell annuities as if … Continue reading

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Hats off to the Regulator – there is no shortcut to good practice.


When it comes to choosing your workplace pension – there is no shortcut to good practice Continue reading

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Will pension freedoms be the death of Defined Benefit?


  I thought it was the last supper (or at least the last pension playpen lunch). We had twelve men around the table (no women) and there was sombre expectation as we considered the impact small changes in tax legislation … Continue reading

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Turning auto-enrolment information into knowledge


I  spend far too much of my life on the Pension Regulator’s website trying to narrow the information available to make people knowledgeable. It isn’t easy. ENGAGE  <iframe src=”//www.googletagmanager.com/ns.html?id=GTM-NQPC6C” height=”0″ width=”0″ style=”display:none;visibility:hidden”></iframe> From the moment you hit the site you … Continue reading

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The enormous importance of Legal and General


  If one insurer has done more than any other for workplace pensions it is Legal & General. For early stagers like Marks & Spencer they opened a master trust , they were the first insurer to adopt clean 50bps … Continue reading

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Get your BR19 as your first step to being “Pension Wise”


Treasury now in charge of “Pension Wisdom”. Another Monday, another set of pension headlines. The Treasury announce that the Guidance Guarantee is no more and hereafter the delivery mechanism for the help we’ll be getting at retirement will be called … Continue reading

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