Monthly Archives: May 2021
Can a one size fits all approach create pension harmony in the UK?
The FCA and tPR have constructed a simple pensions consumer journey to be a framework for considering a standard response to pensions issues. In this blog, which forms part of my input to their call for evidence, I argue … Continue reading
The jambalaya of combination charges must go!
Pension Bee has found a new phrase for us. “The jambalaya of combination charges” was concocted in the kitchens of master trusts who found they could not finance the heavy lifting from an annual management charge but had to have … Continue reading
Why do people harm their retirement prospects?
I am running a series of blogs in response to the Pension Regulator and FCA’s call for input (CFI) on the pensions consumer journey. The consumer is you and me and the journey takes us from the start of our … Continue reading
Pension self-harming.
This is the second of a series of blogs on the pensions consumer journey which together form my response to the FCA/TPR call for input on a standard way of looking at pensions. In this blog I look at the … Continue reading
Is the pensions consumer “taking a journey” of just along for the ride.
For the first time in a few years, I took a weekend off blogging and spent Saturday on the river with new friends. Sunday gave me some time to think about the Pension Regulator and the FCA’s joint call for … Continue reading
Wrong in a good way – why I disagree with Ros on CDC
Ros Altmann has put a resolute defense of the status quo as a comment to my recent blog “barriers to CDC”. Nobody would accuse Ros of lobbying for the vested interests of the pension industry, nor of a lack of … Continue reading
Quid enim est de valore pecunia pro pensionibus moderator ?
My friend and mentor Con Keating reminds me that while the Pension Regulator’s corporate plan is full of good stuff, it needs to be assessed for value as it would assess the schemes it regulates. Con has commented on my … Continue reading
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TPR/FCA and Government – shining light on value for money
TPR’s Corporate Plan for the next three years is for the most part solid and uncontroversial. Where it extends beyond the 2020 plan is in a long section on value for money which I have quoted in full below. The … Continue reading
What’s missing from our pension choices at retirement?
The Work and Pensions Select Committee have asked ten big questions about how the pension freedoms are working. If the collective answer is that the pension freedoms are working badly, then there are further questions to be asked like … Continue reading