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Category Archives: advice gap
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
Posted in advice gap, pensions
Tagged advice, FCA, Guidance, MAPS, Stephen Timms, Tim Smith
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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
Posted in advice gap, pensions
Tagged employer, FCA, GAA, GPP, IGC, Value for Money, VFM
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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
Posted in advice gap, age wage, pensions
Tagged AgeWage, IRR, Performance, Private Equity, subscription line finance
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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
Posted in advice gap, age wage, Australia, auto-enrolment, pensions
Tagged Australia, Cash-out, Encashment, HMRC, Pension Freedoms, pensions, Super
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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
Posted in advice gap, age wage, pensions
Tagged FCA, financial advice, Financial Services Register, IFA, Paul Lewis
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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
Posted in actuaries, advice gap, pensions
Tagged AgeWage, cliche, Consultants, managed, measured
1 Comment
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
Posted in advice gap, age wage, pensions
Tagged AgeWage, chris sier, Clearglass, pensions, Transparency
2 Comments
Asset managers are no longer the problem on cost transparency
This is the first of ten articles by AgeWage co-founder Dr Chris Sier. All articles have first been published in the FT’s Pension Expert and are re-produced with its kind permission. The oritinal of this article can be found here … Continue reading
Posted in advice gap, age wage, pensions
Tagged AgeWage, chris sier, Clearglass, Con Keating, pensions
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A different approach to pension scheme solvency and funding.
Solvency and Funding This is the second of our blogs answering questions which arose from our original essay written in response to the proposed DB Funding Code. It covers issues of solvency and funding. Solvency estimation involves the comparison of … Continue reading
Posted in advice gap, de-risking, economics, pensions, Retirement
Tagged Bond, Clacher, Equitability, Keating, Mark to Market, pensions, solvency prudence
5 Comments
From PS20-06 to the dashboard; – can the FCA pull it off?
Amidst the noise of the ban on contingent charging, the FCA published a long and detailed Policy Statement PS20-06 For the most part, the FCA is concerned with people safeguarding their rights to promised benefits wherever they may come … Continue reading
Posted in advice gap, age wage, Dashboard, pensions
Tagged AgeWage, Dashboard, FCA, MAPS, Origo, Pension Bee, PS20-06, regulation
1 Comment