Tag Archives: Retirement

What employers can do to get their members better pensions


Yesterday I had a chance to talk with a large employer about what they can do to help improve the outcomes of their DC plans. Influencing employees to get the best out of their pension savings means getting them to … 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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“Tax relief – what are the numbers?” Guest blog from Ralph Frank


The Government has repeatedly expressed its concern, both in the 2015 Budget (paragraph 1.232) and in the recently announced consultation on pensions tax relief, at the level of income tax forgone through the provision of pension tax relief.  This concern … Continue reading

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“Another girl- another Planet” – the wonderful world of NEST


Helen Dean, the new CEO of NEST has set out her stall in the pages of Professional Pensions. Much of what she says is intelligent and helpful Helping .. small and micro employers means seeing AE through their eyes. Instead of … 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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Why “pensions ISAs” must be more than ISAs


Ros Altmann has recently commented that simply topping up ISAs and calling them “Pension ISAs” is not going to help solve our long-term retirement problems. The danger of using the ISA structure is that it ignores the fundamentals- that people … 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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Corporate Myopia


“Myopia” medically means short-sighted, in business a company is myopic if it cannot see the bigger picture. Businesses get short-sighted easily enough, typically when they do not need to try very hard and can concentrate on maximising return on easy wins. … Continue reading

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Beware “black-box” auto-enrolment “solutions”.


Katie Morley of the de Daily Telegraph has written an important article claiming that the occupational schemes set up to relieve the needy of their pension savings before retirement are now turning their sights on auto-enrolment. This may or may not … Continue reading

Posted in First Actuarial, pensions, Pensions Regulator, Popcorn Pensions | Tagged , , , , , , , , , , , , , , , , , , , , | 2 Comments

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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