Tag Archives: pension

Does drawdown need a charges cap for pension drawdown


This post was written a few months ago but never published. The main thrust is still relevant, the thrust is that we are better off building better and more relevant products than trying to squeeze drawdown into a shirt two … Continue reading

Posted in accountants, advice gap, pension playpen, pensions | Tagged , , , , , , , , , , , , , , , , | 1 Comment

How do you compare pension default funds?


    An old colleague contacted me yesterday with a simple (but great) question. “how do you compare pension default funds”. I can speak on this for First Actuarial, who provide the investment ratings on default funds for the Pension … Continue reading

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The tricky job of enrolling the self-employed into pensions


The estimate from the Citizen’s Advice Bureau that some 460,000 extra workers are currently missing out on auto-enrolment because employers deem them independently self-employed seems reasonable. When employers conduct a workforce assessment, they generally do so with a cut of … Continue reading

Posted in advice gap, auto-enrolment, Henry Tapper blog, Politics, Treasury, welfare | Tagged , , , , , , , , , , , , , , , | 4 Comments

Auto-enrolment – now get stuck in!


Auto-enrolment is 3 years old but the real fun only starts here. In the coming quarter, we will be preparing for the big spikes in staging that begin in January 2016. Whether you are an accountant, work in a payroll … Continue reading

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MUTINY AT THE BOUNTY!


Yesterday was a shocker!   As many of you know, (from first hand experience), I spend much of the summer driving my boat and guests up and down the Thames. Yesterday was no exception. What made yesterday different, was my … Continue reading

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Disruption – is how social media regulates


In the context of Business continuity management, Disruption is an event which causes an “unplanned, negative deviation from the expected delivery … according to the organization’s objectives”. In this blog, I argue that disruption is part of the governance process … Continue reading

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Come on Sage – you can and should do better!


Sage are a great British success story. Over the past 20 years they have become pre-eminent as a payroll software supplier and latterly a portal for a range of back-office business solutions. Www.pensionplaypen.com is itself a business customer, using SagePay … Continue reading

Posted in Payroll, Salford Quays | Tagged , , , , , , , , , , , , , , , , | 1 Comment

Everything’s a prototype – nothing on the web will last.


  The way people think about websites has changed so much over the past three years. This morning I read an article called “web design is dead” in which the author, Sergio Nouvel (@shesho) argues that internet innovation has shifted from … Continue reading

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Are the goal posts about to be moved again? (guest blog by Ralph Frank)


  This week has seen the announcement of another consultation, this time intofinancial advice.  The terms of reference have been published at this stage, with the details of the consultation to follow in the Autumn.   One of the stated … Continue reading

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Ten things everyone should know about workplace pensions


              Pensions are difficult; how can buyers choose one from another? Look from the list of categories at the attributes that IFAs consider important when deciding on a pension? Confused? …… I was! The traditional … Continue reading

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