“What’s on our mind” Our wish-list for the Queen.

Just back from Windsor Castle to drop in a note from those at the Pension PlayPen lunch on Monday



In case you’re interested, and I am, here’s what our diners delivered when asked

“What do you want in the Queen’s Speech on Wednesday”


Tudor Griffiths– IFA   – measures to make pensions more accessible to smaller employers

Tony Filbin – independent consultant and member of L&G IGC – a workable proposal for “pot-follow-member

David Martin -United Reform Pension schemes and non-exec at tPR – Clarity on Advice and Guidance

Peter Weiner– Trustee of Pensions Trust- Flesh on the Bones for the Guidance Guarantee- who will pay for it and who will deliver it?

Andy Seed– JP Morgan- Clarity on how IGCs can adjust retrospectively DC defaults (without member consent)

Hannah Clarke – wants a moratorium on pensions reform following the implementation of the Pension Bill(s) in the Queens Speech

David Taylor (pensions management consultant) – adjustment to the tax-priviledged status of high earning pension contributors

Kim Goodall– Aberdeen- clarity on the price points for the Guidance Guarantee

Ralph Franks – consultant- clarity on pricing issues within workplace pensions (especially transaction costs and other hidden costs)

Carol Costello (Vanguard) more targeted communication to women (especially around state pension entitlements)

Philip Perrson– Finance Director and Pension consultant – easements to help promote collective DC

Henry Tapper– Pension PlayPen easements for the promotion of collective DC

Another hugely enjoyable lunch with a wide variety of views. For me the most interesting point was raised by Andy Seed. Unless contract based DC schemes are using TDFs, it is very difficult (currently) to transfer existing assets in a dc default into a new asset allocation strategy (though easy enough to replace a default for future contributions.

This problem is obviously most acute for those already on a glide path towards annuitisation for whom the allocations to gilts and bonds may (now) be inappropriate.


The next Pension Play Pen lunch will be on Monday July 7th – same time – same place

About henry tapper

Founder of the Pension PlayPen,, partner of Stella, father of Olly . I am the Pension Plowman
This entry was posted in pension playpen, pensions and tagged , , , , , . Bookmark the permalink.

28 Responses to “What’s on our mind” Our wish-list for the Queen.

  1. mark5000910 says:

    Dear Henry

    I am, as ever, very grateful for this note. Can I please copy it (with full accreditation) onto the Chartered Institute of Personnel & Development website and Branch network? These important questions may stir some further work/investigation by HR/Personnel Depts., who may not be fully appreciative or understanding of recent changes and developments. (Sadly, I may have to exclude the picture).

    PS: I have also asked the Secretary of IEBA (Double Century Club) to approach you about giving a talk to our London Group. I hope you don’t mind. He will explain all (I’m but a humble member!).


    Mark Law E-mail: marklaw50@gmail.com Cellphone: 07850 717 186

    > > >

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