Monthly Archives: April 2018
Scottish Widows IGC – you can’t talk your way past Babloo
Scottish Widows have published their IGC report and it makes interesting reading. Babloo Ramamurthy, it’s chair, is a great believer in communication. You can tell by the number of instructions he gives to his provider to sort out its communications. In … Continue reading
Posted in IGC, pensions
Tagged auto enrolment, babloo ramamurthy, IGC, Scottish Widows, workplace Pensions
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Aviva’s IGC – a “finger of fudge” – just enough (to give members a treat).
Just enough! Continue reading
L&G ‘s IGC ratings fall with a sorry 2017 Chair’s report.
Legal and General has published its third IGC report, which you can read here.. Overall rating VFM – Red Engagement – Amber Effectiveness – Amber Value for Money It doesn’t get off to a very good start, giving us … Continue reading
Frank Field helps us spend our pensions
Here is the main recommendation of Frank Field and the Workplace Pension Select Committee’sfinal report of its inquiry into Pension freedom and choice published today. We recommend every pension provider offering drawdown is required, by April 2019, to offer a default … Continue reading
Posted in advice gap, auto-enrolment, Big Government, pensions
Tagged CDC, Frank Field, Mid life MOT, NEST, pensions, Pensions Dashboard, Work and Pensions Selecto Comittee
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What I’ll be looking for from the 2018 IGC chair statements
2018 and all that It’s IGC reporting season again and I’ll be looking to have answers to four questions this year. So here are my questions (more hope than expectation). If you’re making a value for money, what … Continue reading
Posted in IGC, pensions
Tagged auto enrolment, CDC, CETV, ESG, IGC, pensions, workplace Pensions
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Is CDC “Flat World” – or “Flat Earth”?
The World Is Flat: A Brief History of the Twenty-first Century is an international best-selling book by Thomas L. Friedman that analyzes globalization The Flat Earth model is an archaic conception of Earth’s shape as a plane or disk. Many … Continue reading
Posted in pensions
Tagged CDC, Costs and charges, Flat world, illiquidity, Lat earth, pensions, platform
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What is CDC?
I’ve had a couple of calls recently for a simple explanation of what CDC is and why it could be useful in Britain today. CDC is an abbreviation for Collective Defined Contribution. A CDC scheme is created by contributions … Continue reading
Posted in CDC, Pension Freedoms, pensions
Tagged adviser, annuity, Business, CDC, Drawdown, pensions, Royal Mail
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USS – thoughts from off the campus
The situation at USS is like a medieval siege, where both sides are at Parlez. The threat of violent action has not gone away, but the talking holds some hope of a resolution. Since the nuances of those talks are … Continue reading