Monthly Archives: December 2015
Can the pension insurers win back their customers’ respect?
IGCs are ours to use and not the insurers to castrate. Continue reading
Posted in governance, investment, later life, leadership, Pension Freedoms, pension playpen, pensions
Tagged advosors, Fiduciary, Government, IFAs, IGC, Inurer, pension, Pension Freedoms, Politics, Ros Altmann
4 Comments
TEE(n) – Why would Osborne do anything else?
I was re-reading Steve Webb’s article in the Daily Telegraph where he outlines why he thinks Pensions ISAs would be a disaster. The more I read it, the less I get it. Let’s go back to basics. It is … Continue reading
Posted in Pension Freedoms, pension playpen, pensions, Politics, Public sector pensions
Tagged EET, Michael Johnson, NHS, pensions, tax relief, tax-incentivisation, TEE, TEEn
5 Comments
Asleep at the wheel on net pay – and they want to drive the bus!
The PLSA are making a fuss about SMEs. Small Business Saturday tells me that my small business can get its help – and it’s just round the corner! But I am not convinced, since the launch of Pension Solutions, its … Continue reading
Posted in napf, NEST, pension playpen, pensions, PLSA
Tagged asleep at the wheel, auto enrolment, net-pay, PLSA, relief at source, Workie, workplace pension
1 Comment
“10 years too early, 10 years too late” – CDC stands on on an empty platform
Nearly eight years ago, the Government Actuary ‘s Department produced a paper that effectively killed CDC. It argued that CDC could not be relied upon to deliver benefits with the same certainty as our DB system and that there was no … Continue reading
Posted in advice gap, CDC, Pension Freedoms, pension playpen, pensions
Tagged CDC, DWP, FAMR, Financial literacy, GAD, Pension Freedoms, pensions, Personal emplowement, Politics, Ros Altmann, Steve Webb, Treasury
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The WASPI’s argument needs balance – guest blog by Frances Coppola.
WASPI – “women against pension inequality” is the most fashionable campaign in pensions. But the most prominent woman in pensions, Ros Altmann, does not support it. The assumption has been that she has no choice and is simply towing … Continue reading
Posted in pensions
Tagged art of pensions, DWP, Ros Altmann, state pension, steve bee, WASPI
2 Comments
How rivers flow
When you are planning a flood defence system, you look at how your rivers flow in normal times. Then you stress test your topography by filling up the rivers in your model, with too much water, you watch to see … Continue reading
Creative Pension Trust – we asked – we got!
Last week I asked whether anything was going on at Creative Pension Trust, following a rumour of a split with Scottish Widows. Well I asked and I got.. I got a joint statement from both parties (and a phone call … Continue reading
Posted in pensions
Tagged Creative auto-enrolment, Creative Pension Trust, Scottish Widows
3 Comments
Tidings of great joy from the ICAEW
Auto-enrolment is a worry to accountants. Estimates are pretty consistent that around two thirds of all employers staging auto enrolment will look to accountants for compliance with auto-enrolment regulations and help with choosing and setting up a workplace pension. Unfortunately … Continue reading
Posted in pensions
Tagged accountants, auto enrolment, corporate governance, corporate risk, dc pensions, fact sheet, Financial services, Friends of Auto-Enrolment, Government, ICAEW, pension, Pension new, pension playpen, pensions, PI insurance, Politics, Risk, The Pensions Regulator, TPR, Workie
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Jeroen Wilbrink has solved the Pension Crisis – but is anyone listening?
There’s no doubting Jeroen’s brilliance – here he goes off on one; two questions – is anyone listening ….and is he bonkers? Yes, I have resolved the pension crisis. And thank you LinkedIn, for providing me with the … Continue reading
“Search and Stewardship” – all that we want from asset managers
I spent yesterday morning listening to John Kay talk about the ideas behind his new book “Other people’s Money”. The big idea is that the UK asset management industry spends too much time talking to itself and not enough … Continue reading
Posted in pensions
Tagged Aberdeen, alpha, Asset Managers, Beta, Book, Funds, John Kay, Money, Other People's Money, Prospect
2 Comments