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Category Archives: advice gap
What is MAPS actually going to do over the next 10 years?
I haven’t got a lot to say about MAPS’ UK Strategy for Financial Wellbeing – published yesterday. Having read it , I’m not sure how it is going to help me as a person, business owner as part of British … Continue reading
Are you saving or investing?
Martin Lewis is bang on the money, we save with the expectation of certain outcomes and we invest , speculating on getting more than from saving, with the potential for less. If you think this is motherhood and apple pie, … Continue reading
Posted in advice gap, age wage, pensions
Tagged Investor, Martin Lewis, pensions, Saver
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Treating savers as investors.
Considering the importance that pension providers place on winning new business, it isn’t surprising they find keeping it so unglamorous, The banner headlines that get reported internally and externally are new business wins, they are what excite the executive and … Continue reading
Posted in advice gap, pensions
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Three little pots went to market
The point of this blog is to show 1. One way of avoiding the damaging impact of the MPAA on future saving 2. The depth of knowledge needed to make good at retirement decisions (especially where there is no adviser … Continue reading
Posted in advice gap, age wage, Big Government, pensions
Tagged HMRC, MPAA, pension pots, pensions, pots, Tax, Three pot rule, TPAS, Tricial pots
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Why a new pensions commission would fail
There’s a call from our current pensions minister to set up another pension commission like we had fifteen years ago. That commission was a success as it resulted in progressive policies like auto-enrolment and made us sit up and think … Continue reading
Posted in advice gap, pensions
Tagged Guy Opperman, Pension Commission, pensions, Retirement, Ros Altmann, Steve Webb, Tax, tax-releif
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A pension tax- relief debate (beats Love Island any Sunday)
While the nation was working out Dancing on Ice and the new #loveisland line-up, I was engaged in an intellectual arm-wrestle with amongst others, Mike Otsuka, John Ralfe, Sam Pickford, Steve Bee and (in the stands) Ros Altmann. The topic, … Continue reading
Posted in advice gap, age wage, pensions
Tagged John Ralfe, Love Island, Mike Otsuka, net-pay, pensions, RAS, Ros Altmann, steve bee, tax relief, Treasury
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Right in principle – wrong in practice. Ros Altmann’s tax reforms need more work
Ros Altmann is bang on the money when proposing we link healthcare and pensions in her most recent blog The big picture policy issue for the UK is how to afford a healthcare system that is free at the … Continue reading
Posted in advice gap, age wage, pensions, Retirement
Tagged AA, HMRC, LTA, net-pay, pensions, Ros Altmann, Tax
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“Pentech” lessons from Japan
Last year’s stories about Japanese pensioner’s focussed on their propensity to shoplift , get caught and end up in jail (which they favoured over living solitary lives at home). This blog looks at the problems of financial exclusion … Continue reading
Posted in advice gap, age wage, pensions
Tagged Exclusion, financial inlusion, Japan, pensions, Pentech, shop-lifting, Technology
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Some home-truths about our pensions.
When asked “have you got a pension”, most people now say yes. That’s because most people (not all) who are in workplace pensions see the amount paid into a savings account as a payroll deduction that says “pension”. There are … Continue reading
Posted in advice gap, age wage, pensions
Tagged advice, AgeWage, CDC, DWP, pensions, Retirement, Treasury
2 Comments