Category Archives: auto-enrolment

What WPS is ACTUALLY saying about pension transparency

The headlines are about “rip-off” pension charges, but the WPS Select Committee’s report is a wide-ranging  investigation into the transparency of the pensions industry and not a sensationalist attack on charges. It sets out its stall in the pre-amble. There should … Continue reading

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The tawdry state of DC cost disclosure

  NOW pensions, perhaps tired of being labelled the pariah of master trusts has come out fighting with the following table which shows in certain circumstances, their charging structure provides good outcomes, investment returns being even. Because of the peculiar … Continue reading

Posted in advice gap, age wage, auto-enrolment, pensions | 3 Comments

What should you say to your staff about pensions next week?

Next  week most staff will see for the first time the impact of their increased pension contributions on their pay. They may ask you, if you are the boss or run payroll or pensions or work in HR, what this … Continue reading

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“I couldn’t afford a pension”.

  In my book of objections, supplied to me the first brokerage I sold for, the “I can’t afford it” objection sat at the top of the list. We were told to ask the customer “can you afford not to … Continue reading

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What is the net pay anomaly?

      UK government spending on pensions and top-up benefits for pensioners amounts to 5.9 per cent of GDP – and this figure is projected to increase to 6.3 per cent over the next half century. In addition, the … Continue reading

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The hidden costs of charges are pants!

Yesterday’s Moneybox with Lesley Curwen was a cracker. It brought together the voices of a number of investors together with the views of Michelle Cracknell, Chris Sier and Gina Miller. All were clear and interesting But the best contribution came … Continue reading

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Auto-enrolled through L&G/Ease – read this.

This blog is written for employers and advisers who have used or assisted with the ITM eAsE link to L&G’s workplace savings Plan. You are where you are – here is some context and some thoughts on your position] For … Continue reading

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Is the tide turning in favour of pensions?

As we reach the last few weeks of the year, I’ve been looking at the stories that are dominating the pension landscape and increasingly they are positive. Despite UK and global equity markets being down on the year, pensions are … Continue reading

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Whitbread – you must pay up on the Government’s pension promise

This blog calls on Whitbread to pay the incentive outstanding to many of their staff before the sale of Costa to Coca Cola. If Whitbread refuses to do so, the Pensions Regulator should block the sale. If Whitbread wants to … Continue reading

Posted in auto-enrolment, Blogging, napf, Payroll, pensions, PLSA, Politics, Retirement, Ros Altmann | 4 Comments

Pension ages are equal – but some pensions are more equal than others!

  A strange kind of pension equality Women are planning to work ten years longer than they’d originally supposed according to a Dunstan Thomas survey. “Austerity in Action” – Adrian Boulding calls it. Women don’t just seem less pensioned , … Continue reading

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