Tag Archives: United States

Better hid.


The trustees of NEST have been faced with a dilemma and it’s clear they have considered it and taken decisive inaction. This blog sets out to explain  and justify why the Trustees of our National Employers Savings Trust have chosen … Continue reading

Posted in NEST, State Street | Tagged , , , , , , , , , , , , , | 3 Comments

“What’s it like to be retired?”


It could be the trending chant at any event that Alex Ferguson turns up to – a taunt to a man who having lost control has seen slump into mundanity in a few short months. Financial wellbeing in later life … Continue reading

Posted in annuity, auto-enrolment, Bankers, Facebook, Financial Education, First Actuarial, pension playpen, pensions, Popcorn Pensions, Public sector pensions, steve webb | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Your life for sale – what a liquid annuity market could mean.


Why people like me get cross with him is that he is dangling carrots and waving sticks but the donkey is locked in the stable. To get the animal moving, Steve Webb or his successor is going to have to open the stable door. Continue reading

Posted in annuity, pension playpen, pensions, Retirement, workplace pensions | Tagged , , , , , , , , , , , , , | Leave a comment

A capacity crunch?


The prospect of debating whether we get a capacity crunch in Auto-enrolment drew a capacity-crunching crowd to Wragge & Co.’s offices yesterday afternoon. Under the convenance of heroically quiffed Andy Agethangelou, some 50 of us attended a symposium on the current state … Continue reading

Posted in auto-enrolment, customer service, dc pensions, NEST, Payroll, pension playpen, pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

The shape of things to come? US class action on DC fees


Thanks to my favourite Swedish lawyer, Per Andelius for this extraordinary story. Fidelity are being taken to court by members of their DC plan for charging $355 record keeping fees per member against an underlying cost of $10. Why this matters because … Continue reading

Posted in actuaries, advice gap, Bankers, governance | Tagged , , , , , , , , , , , , | 1 Comment

CDC for the people


The debate on Collective Defined Benefit has so far been a matter for politicians , academics and actuaries. Most people haven’t a clue what CDC is or how it might benefit or harm their retirements. I’ve been trying to broaden … Continue reading

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

“Turning the amber light green”; – creating a buzz around #auto-enrolment.


We should not minimise the impact of the employer duties, they are onerous and will be disruptive. But we must put them in the context of the greater good. Continue reading

Posted in advice gap, auto-enrolment, Payroll, pension playpen, pensions, workplace pensions | Tagged , , , , , , , , , , | Leave a comment

Great British Productivity – a matter of pride


This is the Olympic legacy and it is one we can all share in. Continue reading

Posted in advice gap, auto-enrolment, brand | Tagged , , , , , , , , | Leave a comment

How Providers can take a lead in investment governance.


I am one such member and I have no idea whether my managers are doing a good job. Continue reading

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

Giving “pensions” back its good name!


What do we mean by Pension Governance? When we listen to a musical recording what we hear is the perfect balance between instruments achieved by expert mixing. Pensions Governance does that mixing job for your workplace pension , making sure … Continue reading

Posted in advice gap, annuity, social media | Tagged , , , , , , , , , , , , , , , | 2 Comments