Tag Archives: Politics

The transfer mess gets worse…


It’s been some weeks since I wrote about transfers. To recap, I have been predicting a seizure in the transfer market , resulting from high demand, low-advisory capacity and pipes blocked with regulatory effluent. So it doesn’t come as a … Continue reading

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Pension PlayPen’s response to the Treasury on pension tax-relief


The Treasury has asked eight great questions which go to the heart of how we incentivise pension saving. Here are our responses. We haven’t formally sent these responses to the Treasury yet, so if you have any comments, please send … Continue reading

Posted in pensions, Pensions Regulator, Public sector pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , | 1 Comment

This scaremongering on auto-enrolment has to stop!


Scaremongering Scaremongering sells newspapers and we love to be afraid. It is easy to write stories that play on our fears, because they are the ones we want to read. But that doesn’t make scaremongering alright, just as it doesn’t … Continue reading

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NEST – an explanation please!


Yesterday I jokingly referred to the Pension Regulator as the Pension Troublemaker. Its announcement yesterday of a “Directory” of two spells trouble for master trusts who are not on their way to getting the Master Trust Assurance Framework (RRP £15-100K … Continue reading

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The future of pension regulation – Andrew Tarrant


Andrew Tarrant was a personal advisor to Gregg McClymont in the previous parliamentary term. A Kiwi lawyer he has the distinction of having sung in New Zealand’s only serious punk band. I have had the privilege of reading this substantial piece of … Continue reading

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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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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

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Important days for pensions


David Cameron will be announcing his new cabinet members and more junior ministers this week. Those of us who work in pensions already know that Ian Duncan Smith will remain Minister of State at the DWP, but who will be … 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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Coming to terms with the new politics


Politicians and the circus that moves around them seem slow to grasp the new reality of this election – that people will vote in crowds rather than congregate around ideology. Understanding how these crowds are developing is the business of yougov … Continue reading

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