Monthly Archives: January 2021

Stay safe everyone – this is it.

Here’s the graphical evidence that we are now in uncharted times. Our estimate of R, based on admissions, is still around 1.3, with no indication yet of it lessening. It’s too early yet to judge whether the latest lockdown is … Continue reading

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“Give us the information and let us get on with it!” – TRUST & CONFIDENCE in 2020 pensions

Transparency is about letting people see the information they want to see, not the information you want them to see. This important distinction is missed by many of the people I talk to as part of my work at AgeWage. … Continue reading

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‘Vaccinogistics’ – the logistics of getting a vaccine to you

                                   Covid-arg.com                                              … Continue reading

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You say “ethics” – I see “risks”.

  There is a necessary tension between populist sentiment and risk-based regulation and I’m sensing it in the debate over making our money matter. For Government, the investment of the £3,000 billion pre-funded to pay our pensions is critical to … Continue reading

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Protecting pension savers – five years on from the pension freedoms: Pension scams

Are we doing enough to stop pension scams? The question was asked by MP Nigel Mills at the Jan 6th Work and Pensions Select Committee’s session chaired by Stephen Timms. The question was directed at the Mark Steward, Executive Director … Continue reading

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Has my body beaten Covid or not?

Who’s the boss? It’s now 10 days since my Covid symptoms started, , 8 days since I tested and 5 days since I got positive test results. Theoretically I can stop self-isolating tomorrow and say I have had the virus. … Continue reading

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We’re racing time – let’s ride this second wave to safety!

Taking with my son yesterday, he mentioned that for first time since the return of the Italian ski set back in March 2020, that the pandemic was impacting  young middle class people in South West London. He mentioned various friends … Continue reading

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Value for money is priceless – it cannot be bought or sold

  I am a fan of David Hutchins and when he writes, as he writes in Pension Expert, on value for money (VFM) – I read. I read but I don’t always agree and I certainly don’t agree with the … Continue reading

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Life during wartime – duller than the headline.

From vaccination to incarceration in a day Day one as Covid infected was announced by Government text Day two has been spent by my partner and i, in a little flat in Blackfriars watching as the world lockdowns around us. … Continue reading

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Michael, it’s not Auto-Enrolment’s that’s failing low-earners!

“Automatic enrolment is failing many low earners. Millions of them are both serial borrowers via consumer credit, paying APRs in excess of 30%, and auto-enrolled into default funds typically targeting an annual real return of under 3%. The DWP should … Continue reading

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