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Monthly Archives: October 2018
The Treasury could make muppets of us all!
With something like 50m as a target customer base, the Treasury’s announcement that they will be allocating £5m to the Pensions Dashboard , suggests it is worth around 10p per tax-payer next year. My maths might be deficient , … Continue reading
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Posted in age wage, pensions
Tagged budget2018, Dashboard, EstherMcVey, Pension Dashboard, pensions, Philip Hammond, Treasury
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“GMP equalisation” – will the geeks inherit the earth?
Few pension experts expect GMP equalisation to change people’s lives. The Daily Express’ headline “Millions of women to share pension windfall” is plain wrong. GMP equalisation can benefit men as well as women. The Express, reckon 8,000 out of 235,000 … Continue reading
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Posted in actuaries, pensions
Tagged admin, administrators, Pension Geeks, pensions, Technology
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Was that “do-nothing” budget good or bad for pensions?
We are naturally conservative, resisting change while demanding improvements. We cannot have it both ways! Maintaining the status quo – as yesterday’s budget did, will please those who hate tinkering but displease those who see the current system as broken. … Continue reading
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Do academics have special rights of pleading?
Peer review is the evaluation of work by one or more people of similar competence to the producers of the work. It constitutes a form of self-regulation by qualified members of a profession within the relevant field. Peer review methods … Continue reading
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Posted in advice gap, pensions
Tagged academia, Academics, John Kiff, John Ralfe, peer review, Politics, USS
26 Comments
Young people thinking about money
I’ve been asked to pontificate on how we should make pensions relevant for the young, in 750 words. My audience won’t be young and nor am I. In every sense of the word, this is a paternalistic project. If I’m … Continue reading
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Posted in advice gap, age wage, pensions
Tagged AgeWage, Iona Bain, Money, pensions, Technology, Young money
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Financial Economics = Scorched Earth
John Kiff rolled his tank onto my lawn this morning. Well he can roll it off again and take his flamethrowers with him. For in the long march back from Moscow, Kiff, Ralfe & Co are doing their best to … Continue reading
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Posted in actuaries, pensions
Tagged CDC, Financial economics, John Kiff, John Ralfe, pensions
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GMP equalisation – what a waste of time and money
I’m too close to the Lloyds Banking Group two year legal case against its trustees to venture opinion on the rights or wrongs of the legal decision. I simply hope that the judgement turns out to be the least worst option. … Continue reading
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Posted in advice gap, pensions
Tagged GMP equalisation, judgement, LBG, LBG trustees, pensions
8 Comments
Pre-budget apprehension
There is nothing like the threat of losing a tax-break to get people to value it. The Annual Allowance is under threat, so the Money Purchase Allowance, there are some still worried about higher rate tax-relief on contributions. In my … Continue reading
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Posted in annuity, cliche, pensions
Tagged Batten down the hatches, Budget, budget2018, pensions, SEIS, Wealth
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Some odd things about partial transfers.
There’s a debate going on between Al Rush, Jo Cumbo, Steve Webb and a number of others with regards partial transfers from defined benefit schemes. Want to go 50:50 with a “final salary” pension transfer? Ford will soon let employees … Continue reading
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Posted in advice gap, BSPS, pensions
Tagged CETV, pension, Pension Transfer, Royal London, Steve Webb, transfers
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The blog I’d like to write – but Nick Cave wrote it first!
The Red Hand Files ISSUE #5 / OCTOBER 2018 WARREN AND ME, IN THE MUSEUM OF MODERN ART, MEXICO CITY, DISCUSSING THE WISDOM OF REFORMING GRINDERMAN. Dear All, Now that there are well over a thousand questions – all of … Continue reading
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Posted in pensions
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