Category Archives: advice gap

What we need are “after-workplace pensions”.

Posted on November 13, 2021 by henry tapper

The concept of the “employer covenant” is different for member and trustee The concept of collectivism in pensions is restricted to the workplace. The key instruments of collective pensions are payroll that collects contributions, the corporate treasury team that provides … Continue reading →

Posted in actuaries, advice gap | Tagged , , , , | Leave a comment

Will knowing how our pension is invested help?

Posted on November 12, 2021 by henry tapper

Australian superannuation funds will be required to publicly disclose details about their investment holdings, under new transparency measures coming into force next year. Details follow: — Josephine Cumbo (@JosephineCumbo) November 11, 2021 The Australian Govt said the new disclosure requirement … Continue reading →

Posted in advice gap | Leave a comment

We are not entitled to our lifestyles, we have to change!

Posted on November 8, 2021 by henry tapper

  I can afford to give up much of my lifestyle, because I’ve got a lot left over to cushion me –  Barack Obama – COPS 26 – 08/11/21   I listened to BBC Radio 4’s documentary on the  Nuremburg … Continue reading →

Posted in advice gap, ESG | 3 Comments

20 questions we need to answer to make CDC mass-market

Posted on November 7, 2021 by henry tapper

This is the first in a series of blogs which will address some of the questions being asked about CDC schemes. The 20 questions in this blog have been collated and  addressed  by Con Keating in the hope that we … Continue reading →

Posted in advice gap, CDC, Change | Tagged , , | Leave a comment

Do you want to pay school fees for your pension?

Posted on November 4, 2021 by henry tapper

  In this article, I challenge the pension industry to consider its promise to those saving for retirement – implicit in the phrase of “a pension plan“. My challenge is “where is the planned pension?” In an interesting article on … Continue reading →

Posted in advice gap | Tagged , , , , | 2 Comments

Whatever happened to the portable personal pension?

Posted on September 27, 2021 by henry tapper

  This is how the National Audit Office introduced their last report on regulating to protect consumers. That was in March 2019. UK households spend a total of around £140 billion a year in bills on water, energy and telecommunications, … Continue reading →

Posted in advice gap | Tagged , , , , , | 1 Comment

Reappointed Pensions Minister tweets his agenda

Posted on September 20, 2021 by henry tapper

Guy Opperman has been confirmed as Pension Minister following the recent reshuffle. This is a good thing for pensions. It should mean that he becomes the longest serving Pensions Minister this century and that his reform plans can be seen … Continue reading →

Posted in advice gap, age wage, Pension Freedoms, pension playpen, pensions, Pensions Regulator | Leave a comment

Are you getting pension consultation fatigue?

Posted on September 17, 2021 by henry tapper

It looks like plenty of us are As well as being year 2 of the pandemic, 2021 continues to be the year of the pensions consultation #ConsultationFatigue https://t.co/ZKN0luwqLo — Tess Page (@Tess_invests) September 16, 2021 While #ConsultationFatigue isn’t trending, conversations … Continue reading →

Posted in advice gap | Tagged , , , , , | Leave a comment

Eri-tation ; time to come clean on DC pensions.

Posted on September 14, 2021 by henry tapper

Eritability Of all the time wasted talking about pension dashboards, the time wasted on “estimated retirement income” irks me most. It is not the sight of actuaries arguing over annuity and growth rates that irks me , it’s that the … Continue reading →

Posted in actuaries, advice gap, CDC, Dashboard | Tagged , , , , , | 4 Comments

Keating moves the dial towards collective DC pensions.

Posted on August 26, 2021 by henry tapper

The work done by Iain Clacher and Con Keating on creating a consistent  framework for a fair , sufficient  and sustainable way of returning to funded pension provision is too important to sit on an academic bookshelf. We have DC … Continue reading →

Posted in advice gap, age wage, CDC | Tagged , , , , | 1 Comment