Monthly Archives: December 2015
Confusing intermediaries
Whether we are talking about saving (accumulation) or spending (decumulation) the issue is the same. Continue reading
Posted in auto-enrolment, pensions, Pensions Regulator, Politics
Tagged accumulation, auto enrolment, deals, decumulation, pensions, Saving, spending, Steve Webb, workplace Pensions
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Paying for other people’s pensions
I’ve said it before on this blog, but I’ll say it again. The amount of Council Tax many people pay to fund other people’s pensions exceeds their own contributions into pensions, even when they’ve been auto-enrolled into “workie”. “You … Continue reading
Posted in de-risking, Financial Education, governance, infrastucture, investment, leadership, pensions
Tagged auto enrolment, Centre for Policy Studies, change, CPS, LGPS, Michael Johnson, pensions
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60% of UK wealth manager’s customers getting “unsuitable advice”?!?
This arrives in an email from my friend Per Andelius. It refers to the FCA thematic review that can be found here. It’s a brilliantly written article and if anyone knows its source, please send it me, as I would … Continue reading
What has the financial services industry learned from auto-enrolment?
The first lesson that the financial services is learning from auto-enrolment is that consumer purchasing cannot be predicted on the basis of past performance. Continue reading
Posted in pensions
Tagged apprentice, auto enrolment, FAMR, FCA, IFA, on-line, pensions, regulation, robo-advice, Workie, workplace pension
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Why now’s the time to get behind our Pensions Minister
Good pension ministers, like good football managers are hard to find and harder to keep. They are hard to find as it is a job few that are up to it would want. They are hard to keep because … Continue reading
Posted in pensions
Tagged DWP, Greg McClymont, pension minister, PLSA, Politics, Ros Altmann, Steve Webb, Treasury
3 Comments
Say it quietly but Yeovil were quite good today #ytfc
I know that people are going on about Leicester, Man U and Chelsea. But far more importantly, I’ve found something nice to say about Yeovil – they played bloody well against Leyton Orient this afternoon and – but for … Continue reading
Who are the pick-pockets after our wealth and how do we stop them?
There is a lot of loose money in our financial system, destined for our later years. This has not escaped the notice of those who make it their business to manage other people’s money. The money is “free” for three … Continue reading
Posted in pensions
Tagged artful dodger, auto enrolment, fagin, FCA, LGPS, pick-pocket, TPR, workplace Pensions
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What if? ……Investment reporting for the future…
What if….. when I opened Google Earth and ran the cursor over my home town/county/country , I could see Housing stock being built Brownfield sites being redeveloped Start ups igniting into action Listed companies adapting to a new cleaner greener … Continue reading
Posted in pensions
Tagged Asset management, ethical investment, Investment, investment administration, Legal and General, Marketing, Nigel Wilson, pensions, SRI
2 Comments
Why I’m excited about second hand annuities.
Transparency is the great disinfectant, but disinfectant- when applied to an open wound- can be painful. It is however the only way we can recover. Continue reading
Posted in pensions
Tagged annuity, Brussels, CDC, HArriet Baldwin, Phil Loney, Royal London, secondary annuity, solvency, Steve Webb, Treasury
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Auto-enrolment limits – what the DWP aren’t saying!
The DWP’s paper on the Earnings Trigger and Qualifying Earnings Bands(QEB) for auto-enrolment next year is very well written and gives an insight into just how much thought is going into managing the conflicting needs of employers, workers, administrators and…HMRC. … Continue reading
Posted in accountants, auto-enrolment, Payroll, pension playpen, pensions, Pensions Regulator, Treasury, welfare, Workie
Tagged auto enrolment, DWP, HMRC, net-pay, pensions, PLSA, relief at source, salary sacrifice, Tax, tax relief, Treasury
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