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Category Archives: accountants
The risks of partial disclosure
Look at this photo. You might have thought that Ruston Smith had won a CDC award for Tesco. Certainly not the case! Now look at the full picture! Mark Scantlebury has won an award for Quietroom, partly for his … Continue reading
Posted in #WASPI, accountants, actuaries, advice gap, pensions
Tagged Mark Scantlebury, net pay anomaly, NPA, pensions, Quietroom, Ros Altmann, WASPI
2 Comments
GMP equalisation – accounting issues – First Actuarial – webinar invite!
First Actuarial are able to explain this GMP equalisation thing and the implications for pension (and company) accounting. Having done a webinar or two with “Sam and Jingoe”- I’d say this will be time well spent! Here’s your invite! Our … Continue reading
Posted in accountants, actuaries
Tagged accountants, Accounting, first actuarial, GMP equalisation, LBG, pensions, Webinar
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Investment for beginners?
Perhaps because I’m paying him to, my 20 year old is paying some attention to where his pension is being invested. I say “is”, but our first contribution to his workplace pension is awaiting his opt-in. Meanwhile he’s asking – … Continue reading
Posted in accountants, actuaries, advice gap, NEST, pensions
Tagged Fund, Mark Fawcett, NEST, pensions
6 Comments
So what’s unfair about a Pension Wealth Tax?
In this article I argue that any tax increases levied on the rich are ok by me, and I’m rich. The bias of vested interest The vast majority of people get tax relief on their pension contributions. Some people are excluded by … Continue reading
Posted in accountants, Henry Tapper blog, pensions
Tagged annual allowance, HMT, Lifetime allowance, pensions, scheme pays, Tax, Treasury, Wealth, wealth management
5 Comments
Tax and “net-pay fallibility”.
A curious feature of British middle-class life is the belief in the infallibility of Her Majesty’s Revenue and Customs. The old certainties of “death and taxes” are comforting. When tax-evaders are found out, it reinforces our sense of the rectitude … Continue reading
Posted in accountants, advice gap, age wage, pensions
Tagged fallibility, HMRC, net-pay, papal, pensions, relief at source
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Schools staring into a pension “abyss”
Contrary to indications that the Teachers’ Pension Scheme (TPS) employer contributions for 2019-20 would be set at 19.1%, schools have now been told that the figure from September 2019 will be 23.6%. The Teachers Pension Scheme, along with all … Continue reading
Posted in accountants, pensions
Tagged GAD, HMT, Local Government, pensions, schools, Teachers, Teachers Pension Scheme, TPS, Treasury, USS
8 Comments
Should Government play “fantasy pensions”?
What should we make of reports in the Daily Telegraph that our Pensions Minister, Guy Opperman, is meeting with pension experts to consider a system where a workplace pension could follow the employee, rather than employees joining new plans … Continue reading
Posted in accountants, advice gap, Dashboard, dc pensions, pensions
Tagged Dashboard, Kate Upcraft, pensions, Pensions Regulator
1 Comment
Can a DC plan be “in deficit”?
Yesterday, I fired off a message to the Pensions Regulator to put a stop on Whitbread’s sale of Costa to Coke, till restitution is made of the money owing to the low earners auto-enrolled into its net pay workplace pension. I won’t … Continue reading
Posted in accountants, pensions
Tagged dc, DWP, net-pay, pensions, Ros Altmann, TPR, workplace Pensions
2 Comments
FABI surplus continues to soar, as USS accounting deficit falls dramatically.
Much like daily temperatures , First Actuarial’s Best estimate (FAB) Index soared through June , and the heat is on for those who’ve weaponised accounting deficits. The Universities Superannuation Scheme (USS) has announced a dramatic fall in 2018. The FAB Index – which provides … Continue reading
Posted in accountants, advice gap, pensions
Tagged FABI, Financial economics, first actuarial, pensions, USS
1 Comment
The trouble with experts
All week long my twitter feed has been troubled by experts. It’s like the hot weather bringing the flies into your home, they bite you all over – they don’t even leave you alone when you sleep, I open up … Continue reading
Posted in accountants, pensions
Tagged economists, Financial economics, Flies, pensions
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