Category Archives: advice gap

So what can our past performance tell us of the future?

Very excited by developments in @agewageuk scoring that are helping us understand the risks each saver experiences relative to all relevant risks members can take, more in weeks to come! — Henry Tapper (@henryhtapper) July 2, 2020 It is narcissistic … Continue reading

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The risks “private funds” pose to UK’s workplace pensions.

The publication of a document form the American Securities and Exchange Commission into the activities of private equity and hedge funds (private funds)  came two days before the DWP called for evidence on the AE charge cap. You can read … Continue reading

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The FCA promote a secondary market in workplace pensions

It’s an obscure section of a paper that will probably be read by a relatively few people expert in pensions. If I hadn’t published it this morning it might have been overlooked as it is buried deep in the cost … Continue reading

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Transferring pots is a matter for the FCA and not MAPS

BREAKING: Stephen Timms, the work & pensions select committee chair, is to push for DB schemes to be able to pause transfers to reduce the risk of savers being hit by scams. Mr Timms plans to table an ammendment to … Continue reading

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The FCA’s new approach to Pension Value for Money

The Backstory Back in 2014, with the excoriating OFT report fresh to mind, the FCA made a deal with the insurers not to refer the insurers to the Competition and Markets Authority in return for those insurers operating workplace pensions … Continue reading

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Cheating with your IRRs is like cheating at golf.

  Chris Flood of the Financial Times is again at odds with the Private Equity industry who he holds are fiddling their investment returns, confusing what they are saying investors get with what they actually get. This goes to the … Continue reading

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Don’t cash-out your pension #buildbackbetter !

This blog is about how we make sure we have enough cash to pay the bills (including the butcher’s bills) Cashing out pensions – the lure In its recent policy statement (P20/6), the FCA leaves two carve-outs (loopholes) for advisers … Continue reading

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How to Find Good Financial Advice

This article is by Paul Lewis and it is a very important reminder to us , not just of the need for financial advice, but to find good advice How do I find a good financial adviser? It’s a question … Continue reading

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Managing means knowing what to measure

  One of the most interesting (and challenging) parts of running a blog is in encouraging and moderating comments. This site gets quite few (real) comments, but sometimes the comments are as insightful as the blogs they comment on. Such … Continue reading

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Segregated mandates – a club for large pension schemes only

With a few exceptions, most pension schemes do not go overboard with the number of asset management products they use.   Having worked with some super-large, super-complex pooled schemes and fiduciary managers, I can understand at least one reason. Lots … Continue reading

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