Tag Archives: Self-invested personal pension

Get up! Stand up! For your pension rights!


Governance on these schemes cannot be imposed by Government, it needs to happen organically – bottom up. Continue reading

Posted in cricket, governance, investment, pension playpen, pensions, poetry, Popcorn Pensions | Tagged , , , , , , , | 7 Comments

Better-buying makes auto-enrolment work


The promise of “Wealth at work” has disguised the paucity of the pension outcomes when work finishes. Continue reading

Posted in auto-enrolment, corporate governance, dc pensions, First Actuarial, Henry Tapper blog, pensions, steve webb, target date funds | Tagged , , , , , , , | 15 Comments

It’s a wrap trap – but who’s been caught?


If you thought you were sick of pensions, imagine  the nausea of the life company CEO. If you are such a beast and reading this, you are probably are American or European and your company brought into the UK a few years back … Continue reading

Posted in auto-enrolment, dc pensions, Financial Education, First Actuarial, NEST, pensions | Tagged , , , , , , , | 12 Comments

It’s charges not contributions that are on the “race to the bottom”!


I’ve been reviewing the 2013 charging options available to advisers using Scottish Widows – “Corporate Pensions; RDR and charging shape options”. The document gives advisers numerous options to pass on fees to members of their workplace pension plans. I wonder whether … Continue reading

Posted in actuaries, annuity, auto-enrolment, dc pensions, governance, pensions, Public sector pensions, Retirement | Tagged , , , , , , , | 7 Comments

Right direction – wrong speed! Defining a “good” workplace pension.


I like the rhetoric, what the DWP and tPR are saying is going in the right direction, I hope they can keep their foot to the floor so that companies and trustees staging next year can get it right first time. Continue reading

Posted in dc pensions, Management, napf, Payroll, pension playpen, pensions, Retirement | Tagged , , , , , , , | 12 Comments

Time to get tough on “dodgy” pensions – the Regulator speaks


Regular readers will know that I have for a few months been expecting and calling for a strengthening of the DWP’s stance on what makes for “good” and what kinds of pension scheme should Qualify for auto-enrolment. I did not … Continue reading

Posted in auto-enrolment, Payroll, pensions | Tagged , , , , , , , | 6 Comments

The New Dawn Fades (for IFAs)


For twenty five years we have been sold the need for independent financial advice. I was an IFA once and never for a moment reckoned I was offering independent advice – one product looked pretty much like another and if product … Continue reading

Posted in Financial Education, joy division | Tagged , , , , , , , , , , | Leave a comment

DC road testing – August Play Pen Pension lunch


It’s come to a pretty pass when a man can walk into a room full of pensions people , ask a question and not get an answer for the fear of the advisers. When our good colleague , a company secretary … Continue reading

| Tagged , , , , , , , , , | 7 Comments

Is Steve Webb at war with personal pensions?


I know a lot of people who like managing their money and study the fund pages of the newspapers as I study the form pages of the Racing Post. For them the Self Invested Personal Pension, the services of a … Continue reading

Posted in auto-enrolment, dc pensions, defined aspiration, Popcorn Pensions, Retail Distribution Review, Retirement | Tagged , , , , , , , | 11 Comments

Time for a “4G” Pensions auction?


If you want to have a mobile phone company you need a 3G licence which costs money. The Government made a lot of money from selling the use of our 3G radio waves to Vodafone and the like and are set to … Continue reading

Posted in dc pensions, happiness, pensions, Personal Accounts, Retirement | Tagged , , , , , , , , , | 9 Comments