Tag Archives: Treasury

Michael Johnson and the Super ISA


This is the latest from tax and pensions supremo – Michael Johnson. Love it or hate it – the pensions ISA or Super ISA as Michael calls it- looks set to dominate our thinking over the next few months   … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , | Leave a comment

What the great fall of China does to my pension.


The falls in the world stock markets since April appear huge, our own market has fallen 15% , market in Asia, much more. But the equity market that has fallen the most is China. The great fall of China is … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , | Leave a comment

The tricky job of enrolling the self-employed into pensions


The estimate from the Citizen’s Advice Bureau that some 460,000 extra workers are currently missing out on auto-enrolment because employers deem them independently self-employed seems reasonable. When employers conduct a workforce assessment, they generally do so with a cut of … Continue reading

Posted in advice gap, auto-enrolment, Henry Tapper blog, Politics, Treasury, welfare | Tagged , , , , , , , , , , , , , , , | 4 Comments

Financial advisors need better retirement products


Better products that deliver what they say I had the pleasure of Chris Radford’s company over the weekend. Chris is a consultant to pension providers , a regular at our Pension lunches and someone who thinks about the way ordinary people … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , | 1 Comment

Is increasing complexity making pension saving harder ? – guest blog by Ralph Frank.


The most conclusive finding of a recent survey by PwC into pensions taxation was not even related to the respondents’ views on the central question of the survey (namely, the most appealing tax scenario for their pension)! Sixty percent of … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , | 1 Comment

Addiction


Addiction is not a word that resonates positively. But we had a discussion yesterday centred on getting people addicted to properly managing their money, in which the word seemed entirely appropriate. People get addicted to courses of action resulting from a … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Are the goal posts about to be moved again? (guest blog by Ralph Frank)


  This week has seen the announcement of another consultation, this time intofinancial advice.  The terms of reference have been published at this stage, with the details of the consultation to follow in the Autumn.   One of the stated … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , | 1 Comment

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

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , , | 4 Comments

Free to overpay tax?? – what kind of freedom is that?


Question – when is a freedom a pension freedom? Answer- when its got a big tax-bill attached! The pensions minister Ros Altmann has said the government’s proposals to tax pensions in a similar way to individual savings accounts could be … Continue reading

Posted in Pension Freedoms, pension playpen, pensions | Tagged , , , , , , , , , , , , | 1 Comment

A new pension deal


A NEW PENSIONS DEAL – NOT A NEW KIND OF ISA There is only one thing that distinguishes a pension plan from an ISA plan and that is liquidity. By “liquidity”, I mean the ease with which the plan holder can … Continue reading

Posted in pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , | Leave a comment