Author Archives: henry tapper

About henry tapper

Founder of the Pension PlayPen, Director of First Actuarial, partner of Stella, father of Olly . I am the Pension Plowman

John V Tom; my verdict on pension tax relief proposals.

Posted on January 26, 2020

Independently, John Ralfe and Tom McPhail have written in the Times with their ideas about tax relief. The John Ralfe  proposal. (link embedded) John would like all pension contributions whether  made directly by the employer or as a deductable from … Continue reading →

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FCA’s stick is out, let’s see some carrot!

Posted on January 26, 2020

What’s happening at the FCA In January, the FCA have published a series of letters making it clear where its focus will be in a new “post Brexit” decade. The timing is important as the FCA is not only facing … Continue reading →

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Why do people persist with multiple pension pots?

Posted on January 25, 2020

One in 3 over 55s with a private pensions have more than one pension pot but this group are the least likely to consider consolidating multiple pensions, according to new research. Older savers aged 55 and above were more likely to … Continue reading →

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The problem we have taking the big financial decisions

Posted on January 25, 2020

This article appeared in Financial Planning magazine     A survey of 2,000 ‘Generation X’ individuals – those aged 39-54 – has revealed that 84% make key financial decisions alone or with their partner. Nearly half (44%) do not consult … Continue reading →

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Open pensions; – the opportunity …and the threat.

Posted on January 25, 2020

Darren Philp’s a passionate guy and you should read his piece in Professional Pensions on how we should allow the Pension Dashboard to be part of the open finance initiative. He even has a Mary Poppins moment Apps and aggregators, … Continue reading →

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Retirement’s also about debt

Posted on January 24, 2020

If you look at the Trustee board for StepChange, Britain’s largest charity dealing with the impact of debt, you will see three people familiar to the pension community Sue Lewis (right) – now a trustee of People’s Pension and formerly … Continue reading →

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Looking at it Robin Powell’s way

Posted on January 24, 2020

I’ve long admired the journalist Robin Powell for his clear insights. Lately he’s taken to writing little stories to illustrate the points he is making. He has written a series of pieces , the rest of which you can find … Continue reading →

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“What do people want?” – a question for IGCs

Posted on January 23, 2020

  The saddest statement I heard last year was from an adviser who told a room “we have given up reporting on outcomes, outcomes always disappoint”. It is not just IFA’s who don’t like to report on the outcomes of … Continue reading →

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What is MAPS actually going to do over the next 10 years?

Posted on January 22, 2020

I haven’t got a lot to say about MAPS’ UK Strategy for Financial Wellbeing – published yesterday.  Having read it , I’m not sure how it is going to help me as a person, business owner as part of British … Continue reading →

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Are you saving or investing?

Posted on January 22, 2020

Martin Lewis is bang on the money, we save with the expectation of certain outcomes and we invest , speculating on getting more than from saving, with the potential for less. If you think this is motherhood and apple pie, … Continue reading →

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