Category Archives: advice gap

Put gallows humour apart – the Jingye deal looks good news for the north-east.

Jingye deal for British Steel expected to secure thousands of jobs https://t.co/lqGTFIob31 — Stefan #Labour:ForTheManyNotTheFew #GTTO (@SZaitschenko) November 11, 2019 There ought to be some gallows humour up at Scunny this morning. After all, the issues British Steel has had, … Continue reading

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

58 years young – the role of crusties in the workforce

I am male, stale and pale – a 58 year old crusty – past his sell by date and blocking young , ethnically diverse and female colleagues from achieving board level positions. Put like that , it is small wonder … Continue reading

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

“Degree-educated” most at risk from pension scams….

Higher-educated savers are more at risk of losing their pension to fraudsters than those without the qualification.  That’s what a survey of nearly 2000 people told the FCA and TPR 10% of those without a degree said they would accept … Continue reading

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DWP – should the top topple when the spinning stops?

I can’t remember another occasion when a Government department was stopped from lying to the people it serves by a Government agency. But that is what happened yesterday. The fact is that the Advertising Standards Agency has banned four of the … Continue reading

Posted in advice gap, DWP, pensions | Tagged , , , , | 5 Comments

Those dreaded words “you’re doing ok”.

Nobody wants to do ok, we want to be seen as doing brilliantly. There is a relentless optimism in our salutations which makes that normal state of affairs, mundane , dull – even depressing. So how do I tell a … Continue reading

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DC Governance turned upside down

Everyone acknowledges that defined contribution pensions turns the risk register on its head. Instead of sponsors taking the risk of poor performance, poor information and poor governance, these risks are now taken by savers. So why doesn’t scheme governance reflect … Continue reading

Posted in advice gap, age wage, cardano, corporate governance, dc pensions, FCA, Financial Conduct Authority, pensions | 1 Comment

Vanity’s the vulnerability of the affluent

I’ve just watched (twice) all eight minutes of this video along with 35 other views over the past two days. Try it if you like, but I suspect that you will, like me , be counting down the minutes till … Continue reading

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Could workplace defaults give best value for money?

The results from our first 100 retirement savers are in and our test group averaged 54/100 on their outcomes. Some of the people who did best are in workplace pensions , including a friend from Port Talbot who has got … Continue reading

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SABS in the back – the minister’s last hurrah!

Simpler annual pension statements (SABS) got a well-needed boost this morning when the DWP launched a consultation into their adoption. This looks like being just about the latest Government consultation of this parliament and it could be the swan-song for … Continue reading

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Are IFAs missing the wood for the trees?

A thread , which is now nearly a week old, has over 1000 posts on it and it focusses exclusively on the tax problems doctors are having resulting from the tension from too much pension . That is, till the … Continue reading

Posted in advice gap, NHS, Pension Freedoms, pensions | Tagged , , , , , , | 2 Comments