Tag Archives: pensions

Is he mad in the Ed? -Another great guest blog from Ralph Frank


Ed Miliband’s recent proposal to cut the Lifetime Allowance (“LA”) for pension savings from £1.25 million to £1 million would deal a further blow to encouraging private pension provision, if implemented. The LA is, in my opinion, a flawed tool … 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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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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Why are we not talking about our pensions? An IFA’s view (guest blog)


On 6 April 2015, brand new rules that affect the way UK retirees can access their pension will come into effect. To assist people in generating their retirement income the government has guaranteed free guidance to all retirees, yet a … Continue reading

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A code of good practice for transfer advice?


  We are rubbish at financial risk and we know it. We take decisions on financial matters with as much confidence as betting on the horses and if our horse falls at the first we blame everyone but ourselves! Small wonder that … Continue reading

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Why DB pension promises may need a credit rating.


How do you rate the creditworthiness of your scheme’s funding? Trustees of defined benefit schemes now have to properly assess the employer’s ability (and willingness) to fund the promises made to the members of the scheme. The assessment helps them in negotiations with the … Continue reading

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Money in auto-enrolment? – the jury’s out!


This morning and regularly over the next few weeks, I will be speaking at Money Marketing Auto-Enrolment invitational events around Britain. These are the slides that I will  be using   Advisers and auto enrolment from Henry Tapper It’s odd … 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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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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NOW – that’s what I call pensions!


    Why the Pension PlayPen supports NOW as a workplace pension It’s no easy thing starting a master trust from scratch. Though NOW Pensions, had the experience of running a state backed pension in Denmark (through parent APT), coming … Continue reading

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