Monthly Archives: September 2015

Thus speaks the Regulator – and TPAS too!


Some help is at hand for Britain’s SMEs and their business advisers, but there needs to be signposting to specialist advisers that can apply tPR’s guidance and offer a “definitive course of action”.   The Pension Regulator has published some … Continue reading

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So just how does pot follow member?


Steve Webb was a politician long on vision but short on execution and no vision of Webb’s was less thought through than the big idea that we should all have “one big fat pot”. So of all Webb’s pension models … Continue reading

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Is pension salary sacrifice an answer?


After the ruck created by articles in the FT and the Daily Express, I’ve heard several pension experts tell me that if we did not have employer contributions, all the issues around net-pay and relief at source would go away. … Continue reading

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85 million reasons for change! Why pension tax relief is front page news.


The Daily Express has picked up on the “loophole” caused by the increase in the nil rate band that is denying £85m of pension tax relief at source to part time workers (and the very low paid) in occupational pension … Continue reading

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“Low earners miss out on £85m pension tax relief” – and why!?


“Millions of part-time workers are being denied valuable tax-breaks on their pension contributions as government officials knowingly all low them to save into schemes that will not pay them relief they are entitled” So thundered the FT (26/09/15) and it’s … Continue reading

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The tyranny of payroll or the management of pensions?


The received idea in Government circles is that employers don’t give a toss about the pensions they set up for their clients. In a recent thread on the Pension Play Pen Linked In Group (if you aren’t a member , … Continue reading

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There’s a Lamborghini pension in a showroom near you


A universal Lamborghini pension? At a seminar yesterday, Paul Lewis explained to an audience of IFAs that the full new state pension was a Lamborghini pension. What he meant was that if you wanted to buy an equivalent pension from … Continue reading

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It’s the crowd who decides how the club is run.


Crowds run clubs in the long run We have got so used to the concentration of power and money in football and rugby clubs that we can forget that England rugby or Chelsea or Man City are the product of … Continue reading

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It’s auto-enrolment what’s done for tax relief!


I was leading a recent research document from the DWP assessing the impact of auto-enrolment, these are the key findings 10 million workers are estimated to be in the eligible target group for Automatic Enrolment. 9 million workers are estimated … Continue reading

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Credit where credit is due – how those outside of work get a pension


This blog’s mainly about public service information. But it’s also about influence and how people get it. It was sparked by my reading some stuff on twitter about why we should all be checking our entitlement to the new state pension and … Continue reading

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