Author Archives: henry tapper

About henry tapper

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

What do CDC Scheme Trustees do? Ask Michael Jones of Sackers

Collective defined contribution (CDC) is gathering momentum says this eminent solicitor. Isn’t it time for someone to explain what CDC Trustees are going to do? Michael Jones of Sackers puts his hand up and gives us a rather helpful explanation. … Continue reading

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HMRC have worked out how to move the minimum pension age from 55 to 57 in 2028

  This is timely. Thanks Christopher.     You can download the PDF produced by HMRC from here. Press the dark grey ribbon at the bottom to get read here. You can download it using this link

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Pensioners should benefit from Casey’s reform of “care” – their pensions should help pay for it.

Tom Mcphail reports in The Times that “it’s inevitable, pensions will suffer from Andy Burnham’s reforms”.  As a pensioner myself I worry about the cost of care I’ll face as I grow older. I also worry that those who do … Continue reading

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Paying rent with retirement wages.

The PPI and the Pensions Commission  need to find solutions to the problems they have uncovered. After reading the 37 pages of this report (thanks for the prompt Ben Leadbetter) , I am  even more convinced that solutions do not … Continue reading

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We don’t opt in to paying for our old age care! Would you opt out of optional insurance?

  There are awful things that beset the old. Dementia is our great mental fear.  There are long and frightening physical complaints that require care. There are people who die easily. People have state, public and private pensions and in … Continue reading

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The annuity puzzle – why’s it so divisive?

There is banter behind my back! It relates to the annuity puzzle. You want to know what that is? Please read on! Most “experts” reckon annuities are better value for their money than they were. But I don’t get the … Continue reading

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Consistency needed for “expected income” from the pension dashboard.

Here is the paragraph from DWP that could mean most to those using the Pension Dashboard (IMO) 20. The Department for Work and Pensions (DWP) is working closely with the Financial Reporting Council (FRC) to explore the development of standardised … Continue reading

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Aussie guru Bec Wilson tells us how to work out how much we need for retirement

This morning I’ve been reading the various views of those who consider themselves pension experts. Standard Life suggest that the solution to what Bill Sharpe called the nastiest hardest problem as the purchase of a level annuity. David Prosser suggested … Continue reading

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The AIC’s solution to the nastiest problem in finance

This article is from the Association of Investment Companies.  It would  interest  me to know whether education of this type has any influence on those , outside the readership of the AIC’s website. Good as the article is, it is … Continue reading

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Sensible solutions to social care.

The last time that the question being asked by Patrick Jenkins was being addressed by “financial services companies” (like Commercial Union) , was in the early days of the 1990s when as an IFA I discussed with mature clients investing … Continue reading

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