Category Archives: age wage

Are passive managers giving value for our money?

In the debate about what we get for the money we pay to fund managers , we tend to think of passive managers, not as managers – but as funds. We can of course get access to indices by buying … Continue reading

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For the under-pensioned – savings is only half the story.

Peoples Pension are building a fabulous business out of auto-enrolment which will help future generations to get better pensions and so enjoy more security in retirement. Gregg McClymont, who runs policy at People’s Pension, is concerned about the pension gaps … Continue reading

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What makes for a “progressive” pension provider?

“Progressive” and “pensions” are not synonymous, the words fuse into an oxymoron and ribaldry ensues. I spoke to an insurer last year who introduced me to the concept of “last mover advantage” which involves a large organisation sitting by and … Continue reading

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Treasury flies a pension kite on a stormy weekend

For as long as I’ve been advising on pensions, the weeks running up to the budget have been filled with rumours of draconian reductions in the subsidies available to the rich to featherbed their retirement. This FT story has the … Continue reading

Posted in age wage, pensions, Politics, Treasury, welfare | Tagged , , , | 3 Comments

Guy Opperman – we want you to stay

  I first met Guy Opperman at a TPAS function when he gave my company First Actuarial a commendation for the work it had done on financial education. It was one of the first times he had spoken as the … Continue reading

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“State of the Pension” address

After doing a 30 minute address to to CIPP in 10 minutes, I’ve been called back to do another one – only this time I’m first on – which means I could gab on for ages and make sure no … Continue reading

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Can you judge value from your pension pot?

My friend Emmy Labovitch, who is now a Director of the PPF told me the one risk you can get off the table if you’re a consumer is cost. If you can measure cost then you can look at the … Continue reading

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Workplace GPPs, incompetence not governance drives policy.

The argument in a nutshell The FCA has decided to relax rules that would have made the management of workplace group personal pensions very difficult. These GPPs are run by insurers and a few GSIPP operators (Hargreaves Lansdown most prominently). … Continue reading

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Millennials; A case of “arrested adulthood?”

  I hadn’t heard of Bobby Duffy till last night, he sounds like a Simon Cowell creation rather than the star of the FCA’s “live at the Kings Foundation on a Monday night” show. But there was Bobby clambering to … Continue reading

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Pension incentives – a foundation for change.

Looking for some help on this one. I appreciate it could be both but if it’s a binary choice, which one do you go for? Thanks Is pension tax relief meant to be… — Tom McPhail (@PensionsMonkey) February 3, 2020 … Continue reading

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