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Monthly Archives: October 2019
The threat of innovation to UK financial services
UK financial services is one of Britain’s great wealth generators. The FCA concluded in its asset management study that the average fund manager was working to a 36% margin. Ferraris and Lamborghinis provide commonplace transport to our financial elite and … Continue reading
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Is a retirement pot a retirement plan?
Jo Cumbo’s public resolution – as part of national financial planning week – to adopt a plan for her retirement – was as brave as it was sensible. How many of us have worked out a strategy for the “what … Continue reading
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Posted in advice gap, age wage, pensions
Tagged pension, Pension Plan, pension pot, Retirement
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The best audience I will have all year – thanks CIPP!
Take a look at the audience above and you will see what I saw when I arrived to speak- not a single empty chair , everyone paying attention and a great gender mix. The Chartered Institute of Payroll Professionals … Continue reading
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Posted in advice gap, Payroll, pension playpen, pensions, Pensions Regulator
Tagged AgeWage, auto enrolment, CIPP, Payroll, pension playpen
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Can awards be rewarding? You bet they can!
My old firm, First Actuarial, didn’t do awards. They got grumpy when they got nominated (by me) and they made it official policy not to compete against their peers. You can see the sense in that, money spent on tables … Continue reading
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Posted in Payroll, pensions, Pensions Regulator
Tagged #therewards, @rewardstrategy, Award, Payroll, pensions, reward, reward strategy
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Boring Money – Extinction Rebellion and Responsible Asset Owners – we cannot go on the way we are.
Yesterday I was lucky to see the best of institutional and retail financial services. In Church House, the seat of the Church of England, I saw institutional investors and asset owners renounce green-washing and embrace responsible – impactful -investment with … Continue reading
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Posted in advice gap, age wage, pensions
Tagged Boring Money, ESG, pensions, Responsible Investment
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Contractors can’t have their cake and eat our pensions too
The Association of Independent Professionals and the Self-Employed have condemned Lloyds Banking Group’s decision to either scrap contractors or force them into umbrella companies. I think this unfair on Lloyds and unfair on the tax-payer. As anyone in reward … Continue reading
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Posted in advice gap, auto-enrolment, pensions, Value for Money
Tagged auto enrolment, DWP, HMRC, HMT, IPSE, IR35, LBG, Lloyds Banking Group, pensions
2 Comments
“Brexit this year” – odds against
Amidst all the noise, the bookies are prepared to make a market in the Brexit date – here are the Betfair Exchange odds. You can now get nearly 5/2 against Britain leaving the EU this year. It is more likely … Continue reading
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Posted in pensions
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Extinction , Boredom or Symposium?
Frivolity of fidelity, mindless or mindful – which will it be? I am faced this morning with stark choice. Do I cycle on the north side of the river to join responsible asset owners and Adrienne Lawlor working out how … Continue reading
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Posted in advice gap, age wage, economics, ESG, Guidance, pensions
Tagged Boring Money, Climate change, ESG, pensions, sustainability
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Why innovation in financial services is so tough
Today I will be discussing with my team at AgeWage innovation. We are submitting an application for an innovation grant to Innovate UK and we have to determine whether we deserve tax-payers money to take our business forward. To … Continue reading
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Posted in advice gap, age wage, pensions
Tagged Innovation, Innovation UK, pensions, tough
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My penny’s worth and a Quids-worth from Ros Altmann on #WASPI
1950s women disappointed as High Court says Government did not discriminate against them. Equalising pension AGE does not mean pension equality – women still get much lower pensions than men. Many women have been pushed into poverty and did … Continue reading
