here’s what you’ve been saying
Baroness Ros Altmann on The curse on pensions is the c… Derek Scott on The saltire yet rests with Wal… Dr Robin Rowles on The curse on pensions is the c… John Mather on The curse on pensions is the c… AE 2.0 – anyth… on Why we all need a “maste… Chris Giles on How the budget could tweak pen… Adrian F on How the budget could tweak pen… Bob Compton on “Who’d want to be… DaveC on How the budget could tweak pen… Martin T on How the budget could tweak pen… Eugen N on John Ralfe’s CDC lecture Peter Crowley on John Ralfe’s CDC lecture Martin T on Why , given half a chance… ConKeating on John Ralfe’s CDC lecture ConKeating on John Ralfe’s CDC lecture
Monthly Archives: March 2017
Why employers still need DC advisers – even with collective governance!
To my surprise and mortification, I have been contacted by a group of DC pension consultants complaining that a recent blog denigrates their work with smaller employers helping them get the most out of their workplace pensions. A big fat … Continue reading
Posted in actuaries, advice gap, pensions
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How payroll can get pension-smart (without really trying!)
Pensions are important. They occupy our press, parliament and they occupy payroll! For better or worse we have wedded payroll to work and unless you are on a payroll, it is increasingly unlikely that you are earning much more than credits … Continue reading
Posted in Payroll, pensions
Tagged Accountex, IGC, master trust, Payroll, pensions, Sage, TPR
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A note on transfer values and “reverse transfer risk”.
James Greer of Old Mutual is reminding financial advisors that there’s a risk of advising clients to stay put and not take a DB Transfer Value. Our data suggests that only about 15% of transfer values applied for are taken … Continue reading
Posted in pensions
Tagged adviser, CETV, defined benefit, Financial adviser, FTadviser, litigation, pensions, Susan Hill, Transfer
4 Comments
Family matters; Rio and bereavement.
These past few days I have been on holiday with my son and brothers in Central Scotland. It’s been a time to play golf, walk the hills and get together in the evening – as adults. Last night we … Continue reading
Fancy finance or cheaper houses?
I recently wrote a blog arguing that we could make more use of the burgeoning financial education/wellbeing brigade to get youngsters saving for proper housing of their own. My thoughts focussed on finance but of course the Government want … Continue reading
Helping young staff to a home of their own
There’s increasing help in the workplace for those planning retirement or struggling with debt. “Financial well-being” is this year’s “financial education” and the healthcare organisations have worked out that a solvent workforce is a workforce less likely to suffer from … Continue reading
Posted in pensions
Tagged first actuarial, Housing, propery, right to buy, shared ownership
5 Comments
Auto-protection from an autodidact (the joy of Johnson).
One of the joys of Michael Johnson’s 40 or so papers on pensions is that you never know what to expect next. Johnson deliberately sets himself apart from the industry to rail at it. He is at his best when … Continue reading
Moral hazard – Con Keating
This expression has been widely used in recent pension reports and consultations. It has wide currency in the world of insurance, and academic finance, where it is a term of art. Many of its recent uses are deeply problematic and … Continue reading
Posted in pensions
2 Comments
Should we be wary of cheap financial advice?
Robert Reid is a very professional IFA and someone I like a lot. He represents IFAs and stands up for their interests in Money Marketing. His latest article argues that “cheap advice” especially cheap advice on pension transfers, is wrong. … Continue reading
Posted in pensions
Tagged CETV, cheap, cheap advice, financial advice, Robert Reid, robo-advice, transfers
5 Comments
Who’s kidding whom – on DC pension governance?
I was “privileged” to spend a whole day with one of the many employer groups we have in Britain. This meeting brought together Directors (especially FDs and Heads of HR) of Research and Technology organisations. When I say privileged – … Continue reading
Posted in pensions
Tagged Airto, Engagement, FD, Feedback, IGC, members, pension, Prudential, staff, Standard Life
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