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Category Archives: age wage
DC Governance – “for the saver not the sponsor”.
The simplest way of looking at the shift from DB to DC in the UK over the past 25 years as a risk transfer from collective (underwritten by a sponsor) to individual (with no underwriting – even where there is … Continue reading
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Posted in advice gap, age wage, Dashboard, dc pensions, pensions
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Prem Sikka’s peerage – its value to accounting , governance and pensions
Prem Sikka, too, is an appointment to be welcomed as strengthening the Lords pensions team. Read his monograph from 2006, “Pensions crisis a failure of public policymaking”, https://t.co/xBHu7dgVKJ. Chapter 2: THE PENSIONS CRISIS: FACT AND FICTION explains the valuation and… … Continue reading
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Posted in accountants, advice gap, age wage, pensions
Tagged Accounting, Bryn Davies, Dennis Leech, ESG, House of Lords, pensions, prem sikka, Ros Altmann, Sharon Bowles
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“That’s an interesting choice”
“That’s an interesting choice” is a statement that interests me a lot. It is an entirely satisfactory response to a test we have just started with the FCA in which we allow people to compare pension pots by way of … Continue reading
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Posted in actuaries, advice gap, age wage, pensions
Tagged advice, choice, FCA, interesting, meaningful, pension, pensions, Sandbox, Scam, scammer
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Bryn Davies ; Our new voice in the Lords
There were three peerages created yesterday for services to pensions , all three deserved. Frank Field and Helena Morrissey are high profile and fly their own flags, Bryn is less well known but no less deserving. Bryn’s career Brinley Howard … Continue reading
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Posted in actuaries, advice gap, age wage, pensions
Tagged Actuary, Bryn Davies, ILEA, Jeremy Corbyn, pensions
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“Gonna break out of the City” – and retire to a very cheap house in the country
No song was more thrilling to me as a 15 year old than Eddie and the Hot Rods “do anything you wanna do!”. Its opening line is quoted in the title of this blog and you can hear Eddie … Continue reading
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Did active managers protect us from the pandemic? American research says “NO!”
Are active fund managers working harder for us through the pandemic? Not according to an analysis of mutual fund returns and flows. It seems that what has served investors well is being in funds investing in equities that … Continue reading
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Posted in advice gap, age wage, pensions
Tagged Active Fund management, active funds, Morningstar, Pastor and Vorsatz, Research
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How can you test the “quality of service” you’re getting from your pensions?
“Value for money is more than just an analysis of cost” – we are told “Value for money is more than just an analysis of the money paid” – we are told “Value for money is also about ‘quality of … Continue reading
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Posted in advice gap, age wage, pensions
Tagged FCA, pensions, Quality of service, Sandbox, Value for Money, VFM
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Is HMRC handing the low-paid pension saver a Pyrrhic victory?
The government has today published a ‘call for evidence’ on how to address the different outcomes for lower earners, depending on whether their pension schemes use the relief at source (RAS) or net pay method of tax relief. The call … Continue reading
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Should the tax-payer subsidise the cost of vertically integrated advice?
The cost of pensions tax-relief is likely to be a burning issue in the months ahead. The tax-payer is supposed to incentivise good behavior. Pre-funding retirement income leads to self-sufficiency and independence on younger generations in later life. That’s … Continue reading
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Posted in advice gap, age wage, dc pensions, pensions
Tagged advice, cross-subsidy, financial advice, SJP, Vertical integration
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Opperman – pensions are for the long term
It was good to see Guy Opperman speaking at Professional Pensions Live. This is my take on his speech and the direction of Government pension’s policy as we come out of lock-down and into the summer recess! Recently Guy … Continue reading
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Posted in advice gap, age wage, Dashboard, open pensions, Pension Freedoms, pensions
Tagged bowles, Dashboard, Guy Opperman, House of Lords, Pension Schemes Bill, pensions, Superfund
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