Tag Archives: Pension Regulator

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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Let’s play fantasy CIO at NEST!


NEST has invited  all of us to play “fantasy CIO” and create a default investment strategy for its members to and through retirement. If you’re prepared to get to page 118 of the consultation paper, you are asked as question 18 … Continue reading

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Separation


Can employers nudge staff into drawdown products? Should there be a degree of separation? If so – how can separation be achieved? Continue reading

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So much for the “haves”, what of the “have nots”?


It has now been well over a year since the OFT published this comment   Since this warning, not a lot has been done to improve the quality of purchasing by employers. The DWP is introducing legislation in April which will … Continue reading

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“Collaboration” is not a dirty word


      In this article, I am setting out First Actuarial’s and Pension PlayPen’s auto-enrolment strategy for 2015 and beyond. It is a strategy that sets out to collaborate with not compete with advisers.   Why we chose to work … Continue reading

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Beware the vanity master trust


  Hardly a week goes by without a request to research another vertically integrated master trust for inclusion on the list of employer choices offered on http://www.pensionplaypen.com . It is harder to name an actuarial practice or employee benefit consultant that … Continue reading

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The PPF – our great escape!


We get used to talking about the failure of the private sector to deliver proper pension outcomes. We are incensed by the shortcomings in governance that has allowed well funded local government schemes to feed the City’s insatiable need for … Continue reading

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