Tag Archives: Retirement

How interoperable are you?


One of the Friends of Auto-Enrolment’s groups is called the interoperability task-force. I think Andy Agethangelou makes these names up so his name seems short by comparison. “Interoperability” is a concept I haven’t come across before, but like a lot … Continue reading

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Bad practice or malpractice?


Johnson hath spoken! Michael is one of the few people who owes the financial services industry nothing. His voice is independent and trustworthy and his latest contribution to the debate on how we fund our retirement is welcome Pensions are … Continue reading

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The lady’s not for turning.


For reasons that weren’t particularly obvious , a random group crammed into a much too small committee room in the House of Lords on Wednesday night for a round table with the new pensions minister. It was a hot day that … Continue reading

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High risk, medium risk , low risk? No idea! Guest blog from Ralph Frank


How many times have you been asked whether you have a high, medium or low risk tolerance?  Perhaps the question has been phrased differently, testing if you are an aggressive, moderate or conservative investor? You might even have had your … Continue reading

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Supply-side woes , buy-side goes; the disappearing pension billions


It’s not hard to spend a billion, not if you’re a nation that knows how to spend but finds it hard to save. As Osborne found, a generation of planning can be unwound in a minute. Were the tax rules … Continue reading

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Identifying your auto-enrolment workers! Great guest blog by Karen Prince


This month sees the start of the final stage of auto-enrolment in the UK for more than 1.2 million employers. This last stage affects small and medium enterprises employing less than 30 staff. By April 2017, all businesses, including those … Continue reading

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NEST – Lamborghini or Trabant?


Yesterday I wrote about NEST’s great steps towards an integrated approach to the management of auto-enrolment data. I didn’t hear anyone else asking the question “is NEST acting as a force for good or is it over-stepping the remit we , … Continue reading

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Boom Bust Boom


I went to the Imax this week (great cinema) to see Boom Bust Boom. I was a guest of Cardano, the Dutch fiduciary manager and I had a good time. One thing I’ve learned about the meeja, is that if … Continue reading

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Is commission really dying?


There has been nothing that has so harmed the image of pensions over the past thirty years as the deception of commission. I don’t want to use phrases such as “lack of transparency” or words like “opacity” words like these … Continue reading

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Let’s not get caught with our trousers down (again).


The reason we have NEST and its £400m debt to the tax-payer is that the private sector refused to commit to supporting auto-enrolment ten years ago. If the organisations like Legal & General, Standard Life and Aviva , could have … Continue reading

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