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Category Archives: advice gap
Are you and your savings “retirement ready”?
I’m getting fit, which is a long way off saying “I’m fit” in any sense of the words. But just getting rid of the first few pounds has put me in a much better frame of mind. Many of us … Continue reading
Posted in advice gap, age wage, pensions
Tagged advice, AgeWage, IFA, NEST, pensions, retrirement ready, workplace pension
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Our pen-tech free pension picnic!
“It is one thing for a company to know my vacation shopping patterns or what media I like; it is another for them to access my entire financial history, including my investments” So Rana Foroohar wraps up an … Continue reading
Posted in advice gap, pensions
Tagged FinTech, ft, Gregg, pensions, Pentech, Technology
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The “pensions industry” must speak for pensions – not the people who profit from them.
There is an assumption that for innovation to happen in the pensions industry, it needs to have the sanction of the “pensions industry”. Take this comment from Sam. CDC will be a disaster unless you can convince the pensions industry … Continue reading
Posted in advice gap, CDC, pensions
Tagged CDC, DWP, Guy Opperman, Pensions industry, Pensions Minister, WPC
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A brief history of pension dashboards! Thx. to Richard Smith
Thanks to Richard Smith for this! Richard’s views are not quite mine (I’m not a compulsionista or a single dashboard man!). Nevertheless this info graphic is really helpful as it reminds us of the difficulty the Government has in keeping … Continue reading
Posted in pensions, advice gap, age wage
Tagged ABI, Dashboard, Pension Dashboard, pensions, Richard Smith, workplace
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Pots follow meerkats?
We all know the problem but it was well put in a recent NOW pensions press release. “There has been a stratospheric rise in pension saving since the introduction of auto enrolment. The ONS data shows that active membership of … Continue reading
Posted in advice gap, age wage, pensions
Tagged AgeWage, BGL, Compare the Market, CTM, Mr Money, NEST, NOW Pensions, pensions, Peoples, Sun
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I want to choose my dashboard please!
Thankfully the Government has seen sense, it is not going to provide a one size fits all Volkswagon dashboard, it’s going to offer us a motor-show of choice! The Government is not going to build or maintain a pension dashboard. … Continue reading
Posted in advice gap, pensions
Tagged AgeWage, CDC, DWP, FinTech, MoneyHub, Open Banking, Pension Bee, Pension Dashboard, pensions, Pentech, Revolut, Starling, Yolt
2 Comments
The dashboard is dead – long live dashboards!
The following statement was made by Simon Kirby, then a Treasury Minister , in my presence on 12th September 2016 I think there are three main principles that must underpin (the dashboard’s) whole design. Firstly, it will need to be open. No single … Continue reading
Posted in advice gap, age wage, auto-enrolment, Bankers, Big Government, pensions
Tagged AgeWage, Beau Brummel, FinTech, Pension Bee, Pension Dashboard, Pension Tech, pensions, simon kirby
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“Smiling at delinquents”; how we prevail over fund ignorance and indolence
I had one of those moments just now, when a whole load of things came together and I saw the wood for the trees. My Eureka moment? I was reading an FCA document , the Packaged Retail and Insurance-based Investment Products … Continue reading
Posted in advice gap, pensions, Pensions Regulator
Tagged AgeWage, DWP, Eureka, FCA, Funds, MifidII, pensions, Priips, Transparency, VFM
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Back in the bubble – how the pension industry feeds itself (but no-one else)
Looking back over the headlines in the trade press, I read a depressing litany of stories about the industry feeding itself. Aegon says it has deep pockets (to compensate financial advisers). It’s chief executive calls its life company (the once … Continue reading
Posted in advice gap, pensions
Tagged Aegon, AgeWage, Comare the Market, Insurance, MoneySupermarket, pensions, Technology
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The normal cost of pensions remains the same.
The debate about the “fairness” of offering some people “gold-plated” defined benefit schemes and others no more than the auto-enrolment minimum is familiar to everyone in the UK. Sometimes, it’s useful to look at the same debate from a different … Continue reading
Posted in advice gap, Facebook, pensions
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