Monthly Archives: August 2019


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What price certainty? (Boring blog on annuities and drawdown)

In financial matters, certainty comes at a price. Is it a price that I’m prepared to pay? I’ve been putting myself in the shoes of a friend who is around the same age as me (57) and is hoping to … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , , , | 2 Comments

Dashboard? – we’re dash-less and bored!

  The title was my summation of a discussion of dashboard progress over the past four years. We’d been talking about what the general public want and had landed on precisely the model illustrated at the top of the blog. … Continue reading

Posted in age wage, Bankers, customer service, Dashboard, dc pensions, pensions | Tagged , , , , , | 4 Comments

Vincent – the peevish newt.

The Guardian, not a Vincent Franklin friendly paper, described Quietroom’s splendid Founder as a “splendidly peevish newt”. Those who have been coming to our AgeWage at retirement workshops will have discovered the same newt in the same suit! What a … Continue reading

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Why do DB transfer values make me sick?

One of the things ordinary people find hardest to work out is why their share of a defined benefit scheme can go up when stock markets go down. This happened last month where the stock market fell. But in August, … Continue reading

Posted in actuaries, advice gap, BSPS, FCA, pensions | Tagged , , , , , , , | 8 Comments

Bury , Bolton – Bournemouth??!

It wasn’t very long ago that I used to watch Bournemouth and I through loose change into buckets outside Dean Court when it looked as if the club might lose league status. Now AFC Bournemouth is a Premier League success … Continue reading

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Bank of Mum and Dad now a top 10 mortgage lender?

  This bold claim is made on behalf of Mums and Dads throughout the land by Legal and General and the Centre for Economic and Business Research (CEBR) New data also shows that many people could be accepting a more … Continue reading

Posted in advice gap, age wage, pensions | 4 Comments

Stoking it up on the river

The heat was intense but there was enough wind from the passing of the boat to keep the guests. Amazing yesterday – off again today! — Pension Plowman (@henryhtapper) August 26, 2019   The plugs were in as we … Continue reading

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Why does product bias exist among advisers?

One of the dilemmas that IFAs face is that they need to get paid for what they do. If all they had to do was act in their client’s best interest – “put the customer first”, they would advise pro … Continue reading

Posted in advice gap, age wage, pensions | 12 Comments

Just who’s accountable for how our pension savings do?

There’s been a lot this week on social media about blame. Perhaps the most pertinent criticism of accountability in pensions came from an IFA. Which you then won’t satisfy because they’ll have no idea how they’ve done they’ll just have … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , | 1 Comment