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

“Your pay-rise is a pension rise”

Posted on July 17, 2019

  I often “wake up to money” but not to this! In a discussion about when we last got a pay-rise, one listener mailed in that her boss told her “your pay-rise is a pension rise” It’s the first time … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , , , , | 2 Comments

Pensions for all -not just the public sector

Posted on July 16, 2019

Although I’m pleased that pension promises to the Firemen and Judges are to be extended to all public sector employees, I’m sorry for the millions of private sector employees now in DC savings plans whose reasonable expectations were for a … Continue reading →

Posted in CDC, First Actuarial, pensions | Tagged , , , , | Leave a comment

Are DC trustees worth the money?

Posted on July 15, 2019

  It seems churlish to take up your Monday morning with matters of pensions governance, what with the cheers at Lords, Silverstone and Wimbledon sill ringing round the country but I will! My blog yesterday set out the case for … Continue reading →

Posted in advice gap, age wage, pensions, trustee | Tagged , , , | 2 Comments

The DC Trust – a pension appendix

Posted on July 14, 2019

The appendix Nobody knows exactly why we have an appendix, but removing it isn’t harmful. Appendicitis typically starts with a pain in the middle of your tummy (abdomen) that may come and go. (NHS inform). I feel much the same about … Continue reading →

Posted in pensions | Tagged , , , , , | 2 Comments

Time to tackle pensions tax

Posted on July 12, 2019

Pension taxation isn’t working. It is benefiting those who find it easy to save and not incentivising those who don’t. It is causing doctors to work below their peak capacity and demanding up to 25% more in contributions from our … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , , | 2 Comments

Drivel is Drivel – whoever says it

Posted on July 11, 2019

I read articles by Jack Bogle and Warren Buffet and John Kay and Terry Smith because I like to understand how money can be managed on my behalf better. I like to improve my understanding. And occasionally I read drivel. … Continue reading →

Posted in pensions | Tagged , , , , , | 8 Comments

The value you get for your pension money

Posted on July 10, 2019

Independent help for all pension savers I started yesterday in the swanky new film studio under the FT’s Bracken House. It had to be built on stilts and sound and vibration sealed as the district line runs right below it. … Continue reading →

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Giving doctors a break

Posted on July 9, 2019

“82% of consultants say they are are or are planning  cutting down on work” – Dr Tony Goldstone You can listen here to Dr Goldstone explain the issues facing doctors who find themselves on the cliff edge of taxation and … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , , , | 2 Comments

Cyber-power; is Facebook our new Government?

Posted on July 8, 2019

When your bobbing up and down on the Thames in a wooden boat for a few days, it’s difficult to imagine how tech platforms are changing the world, but returning to terra- firma and reading “the Fracturing of the Global … Continue reading →

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HR and the decline of empathy

Posted on July 7, 2019

I wrote to my HR department to tell them I had had some emergency treatment. What I got back surprised me, an admission that they knew nothing about it – contractual sickness terms  –  and a sign off that reads … Continue reading →

Posted in NHS, pensions | Tagged , , , , | 7 Comments