Tag Archives: Public Sector Pensions

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

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Mobilising millions – training employers on AE.


Who is going to mobilise the millions of bosses still to stage auto-enrolment? There are not 1.3m but 1.8m employers in the UK who will need to stage auto-enrolment.Of these , all but around 65,000, more than 1,790,000 employers have … Continue reading

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Why the FCA should take a leaf out of tPR’s book.


  The Pensions Regulator have been re-born over the last five years and become focussed on helping advisers, trustees and employees solve pension problems. They have started treating us as  customers and not potential criminals. Sadly, this attitudinal shift doesn’t seem … Continue reading

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“We all defer together?” – Guest Blog from Ralph Frank


The recently announced consultation on pensions tax relief has stirred up thought and debate on the issue of incentivising long-term saving.  There are theoretical, commercial and practical aspects to be addressed in this process of defining an approach to pensions … Continue reading

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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

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Why I’m backing the master trust assurance framework


Back in May 2014, the Pension Regulator launched on an unsuspecting world the ICAEW’s Technical Release “Assurance reporting on master trusts”. At the time I was dismissive of this document and the Master Trust Assurance Framework (MAF). Write in haste , … Continue reading

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How pensions restrain public sector pay and services.


The latest discussions about how we will manage the nation’s finances are focussing on public sector pay.Nick Clegg tells us that his party will make sure   wages would rise in real terms for two years from 2016, and then … Continue reading

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LTA exposes the DC horror-show.


Because I am on holiday, I am reading the Sunday Papers. Someone has bought the Sunday Times which I haven’t read for at least 2 billion years. I’m left with the business pages and two articles by Ian Cowie about … Continue reading

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We need a tank to get us across this battlefield!


We must dispel myths we have created and allow to malinger to the detriment of CDC and our pension system. Continue reading

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