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Category Archives: advice gap
“Britain’s great pension crisis” – beware or despair?
Going out after the watershed, Channel 5’s two part exploration of how fit we are to retire, sits awkwardly between the Yorkshire Vet and Chris Tarrant’s Extreme Railways, not the kind of TV you’d watch unless you’re into Michael Buerk … Continue reading
Regulation 2.0 (and how to pay for it).
I am on something called the Pension Regulator’s Stakeholder group which means I’m supposed to champion tPR .I get meetings with MAPS (which always get cancelled at short notice) because I represent something out there called “innovation”. But in … Continue reading
Posted in advice gap, age wage, pensions
Tagged Business Plan, MAPS, Pension Ombudsman, TPR
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Why investment reporting has to change.
I remember when I used to provide market intelligence to Eagle Star feeding back the confusion we were creating amongst trustees and sophisticated members and policyholders who were trying to find out how funds were performing. Every time … Continue reading
Posted in advice gap, age wage, pensions
Tagged AgeWage, Caroline Moore, investment reporting, malcolm Kemp, members, policyholders, Savers
2 Comments
Chile’s pension expectations dashed – what can we learn?
In the early 1980s Chile became the first OECD nation to switch from a Pay as you go pension system to a system dependent on private pensions. True the long-tail of state liabilities isn’t due to end till 2045 but … Continue reading
Posted in advice gap, age wage, auto-enrolment, pensions
Tagged AgeWage, auto enrolment, Chile, compulsion, pensions, pinochet, state, state pension
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“I want help with my pensions – who should I talk with?”
My answer to this question on the first day of Advent 2019 is very different from the answer I’d given a year ago. Back then I was confident that TPAS, which was about to become the Single Financial Guidance Body … Continue reading
Posted in advice gap, age wage, pensions
Tagged Advent, AgeWage, MAPS, MutiplyAI, OpenMoney, PensionBee, pensions, RetirementLine, TPAS
3 Comments
How well do we support the victims of pension scams?
The mark of a decent society is as much about how we treat the victims as the perpetrators of crime. On Friday (while a horrific crime was very publicly happening nearby), 40 of us were thinking of games to … Continue reading
Posted in advice gap, age wage, pensions
Tagged FCA, Judge McNall, pension scams, pensions
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Yes advice is really valuable and so’s good guidance!
I had some time yesterday to read up on two documents about advice and guidance. The first was an article by John Lappin in Corporate Adviser, explaining the need in the workplace for more help for people navigating the … Continue reading
Posted in advice gap, age wage, pensions
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WASPI – thoughts on fairness
I’m going to use this blog to pick out the key points arising from the restitution offer made by Labour to the WASPI women. My conclusion is that this matter is best dealt with in the light of the determination … Continue reading
Conservative manifesto best on pensions
Fantastic news that today’s Conservative Manifesto includes a commitment to look at the pensions net pay anomaly. I hope all other parties will now make the same commitment. pic.twitter.com/4MUXrwlDCE — Adrian Boulding (@AdrianBoulding) November 24, 2019 Adrian , along with … Continue reading
Posted in #WASPI, advice gap, age wage, NHS, pensions, Pensions Regulator
Tagged Conservative, Labour, Liberal, Manifesto, net pay anomaly, net-pay, pensions
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What hope should WASPI take from political promises?
A very complex issue This is not a blog about the rights or wrongs of WASPI, it is simply a statement about party political promises to women in the UK , born in the nineteen fifties. Their case is made … Continue reading