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

Frank Field and the “two worlds” of pensions.


    On Thursday 13th December the Workplace and Pensions Select Committee took evidence from a variety of people with an interest in the choices members have to take as part of Time to Choose, but in the context of  the … Continue reading

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Straight talking and honest representation


This morning I and three members of BSPS, give oral evidence to the Work and Pensions Select Committee at Parliament. We have been asked to speak about our experiences and comment on lessons that can be learned. The four of … Continue reading

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The pension dashboard is changing – but for the better?


      Like a fool I thought that a DWP seminar on the Pension Dashboard would be held at the DWP, it was held at the ABI. I had to double back on my Boris Bike. which meant I missed the … Continue reading

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The Steelworkers submission to parliament


1. Social Media Rich Caddy created the British Steel Pension Members Facebook Group in April 2016 when Tata made their announcement about the future of Tata Steel UK (TSUK) Ltd and the potential impact on the British Steel Pension Scheme. The … Continue reading

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A pension settlement needs general agreement.


I spent most of this cold dark weekend putting together a submission to the FCA on what we know is happening to millions of pounds of money that has been disinvested from the British Steel Pension Scheme and reinvested through … Continue reading

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Common sense to the rescue; Royal Mail and the CWU adopt CDC.


  The last thing this country needs is more strife over pensions. With the BSPS Time To Choose election window , drawing to a close, it’s good to know another vexatious chapter will not be opened, Whichever side of the … Continue reading

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Financial Regulators aren’t carved out of stone – they need a merry Christmas too!


Financial Regulation seems a brutal business, impersonal and intimidating. Necessarily, a degree of formality is needed in one’s conduct on both sides.  I would not feel comfortable at the FCA’s Christmas party nor they at mine. But that does not … Continue reading

Posted in advice gap, christmas, FCA, pensions | Tagged , , , | 1 Comment

Risk sharing in pensions for USS employers


This paper, by LSE academics Nicholas Barr and Mike Otsuka is welcome at any time, but it is particularly welcome now, with the Work and Pensions Select Committee inquiring into CDC and USS looking for a resolution to what seems … Continue reading

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“Mind the width – improve the quality” #Pensions must “include” properly!


When Guy Opperman became Pensions Minister , he had” financial inclusion” inserted into his title; now comes his challenge. According to Government statistics, there are 675,000 qualifying workers in the “savers rate” of tax, ( the tax band where we … Continue reading

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A time for calm, cool heads and action.


Time to Choose extended to December 22nd This blog is for members of BSPS , their families and friends, who have yet to choose their options and need help. It outlines the large number of places you can go for … Continue reading

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