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Category Archives: advice gap
What we need are “after-workplace pensions”.
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 after work, after workplace pension, Afterwork, Pensions, workplace
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Will knowing how our pension is invested help?
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
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We are not entitled to our lifestyles, we have to change!
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
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20 questions we need to answer to make CDC mass-market
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
Do you want to pay school fees for your pension?
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
Whatever happened to the portable personal pension?
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 FCA, NAO, National Audit Office, National Audit Offikce, Pensions, portable pensions
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Reappointed Pensions Minister tweets his agenda
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
Are you getting pension consultation fatigue?
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 Andy Parker, master trust, Scottish Widows, Sharon Bellingham, TPR, VFM
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Eri-tation ; time to come clean on DC pensions.
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 CDC, Dashboard, M3, master trust, Royal Mail, SPP
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Keating moves the dial towards collective DC pensions.
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 AgeWage, CDC, Con Keating, Michael Mainelli, Wage in retirement
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