Monthly Archives: October 2018
AgeWage – our journey (destination and timetable)
AgeWage has laid out in its mission statement who it hopes to help and why. But we’d like to be specific about what we hope to do and when. This blog sets out our specific intentions. We … Continue reading
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45 minutes from Gatwick – Holland seems a world away!
I’m living on a boat in Amsterdam harbour for the next two days. I intend to chair the Eurovents Pension Summit at the Radisson Hotel when I’m on dry land. I did this last year and I swore then I’d … Continue reading
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AgeWage – a mission statement
AgeWage is on a mission. We want you to know about the money you’ve paid for retirement. This means knowing how much you’ve saved, how much your investments have grown and knowing what you’ve paid for that investment growth. … Continue reading
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Pension Tax Reform is the “art of the possible”.
Everyone knows that pension tax-relief is broken and those who try to cling on to the current system do out of vested self-interest (and I include one former pensions minister in that statement). Wealth managers have come to view … Continue reading
Posted in advice gap, pensions, Treasury
Tagged Budget, HMRC, Nicky Morgan, pensions, reform, Tax, Treasury, Treasury Select Committee
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Keating on Ralfe, CDC and morality
Last week’s Corporate Advisor’s Pensions Summit featured a debate on the merits of CDC pensions. Johan Ralfe presented the “case” against the introduction of CDC. In the main, with all the showmanship of Barnum and Bailey, this resurrected old and … Continue reading
“Legacy” is a dirty word – AgeWage would ban it!
Not so long ago, well in the late nineties , I attended a series of meetings to ward off the impending threat of stakeholder pensions. The meetings were organised by Allied Dunbar and I attended as the “pinko” from Eagle … Continue reading
Death by 10 million pots – how to solve the small pot crisis
There are 10 million new savers into workplace pensions. If every saver changed jobs 10 time, that would mean 100 million new pension pots- unless some means of rationalising pot proliferation can be found. The DWP estimate that by … Continue reading
Posted in advice gap, age wage, pensions
Tagged auto enrolment, Clearing, pensions, pot proliferation, pots, Prisone Exchange, small pots, workplace Pensions
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Simplifying pensions with AgeWage
A number of people have asked about “AgeWage”, so I thought to write an article introducing it and why I and our management team are so excited about what it will do. A good business plan should start with a … Continue reading
How GDPR helps us make sense of pensions!
Adrian Boulding has written an excellent article about the new cost and charges disclosures. I will quote only the conclusion and urge you read the rest of it here. Can we hope to obtain full investment charges data onto a … Continue reading
Will a “Transfer Value Comparator” work?
t DB transfer activity has begun to stabilise, with far more transfers being quoted and taken every quarter compared with the position before the new freedom and choice flexibilities were introduced by the Government in 2015. Bart Huby LCP Aug … Continue reading
Posted in advice gap, BSPS, pensions
Tagged CETV, LCP, pensions, Royal London, Steve Webb, Transfer Value Comparator, TVC
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