Category Archives: auto-enrolment

Finger in the dyke stuff! DC pricing is just too leaky Jon!


Jonathan Stapleton has written a deliberatively provocative piece in Professional Pensions which will be applauded by the operators of workplace pensions but is going to get short shrift from me.   You can read  Jonathan’s opinions here. The gist of Jonathan’s … Continue reading

Posted in auto-enrolment, dc pensions, de-risking, Debt, NEST, now, pensions | Tagged , , , , , | 2 Comments

Normalising pension saving for everyone


The TUC is publishing this morning important research into inclusion. Since our new pensions minister has included “inclusion” in his title, I hope he is reading it! Six in 10 workers in the UK agriculture and hospitality sectors are not … Continue reading

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A battle won – not yet the war; FCA demands cost disclosure.


    I get worried by premature announcements of victory. The battle to get proper cost disclosure is a long one , hostilities commenced properly with the OFT report on workplace pensions in 2014. This reminded Government that we know … Continue reading

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Advising the 5,000; so where are the loaves and fishes?


The mass market of people retiring over the next few years  no default means to spend their money and no access to suitably priced advice. That is the conclusion of the FCA consultation on Retirement Outcomes that has just closed. … Continue reading

Posted in annuity, auto-enrolment, pensions | Tagged , , , , , , | 3 Comments

Good from NOW – poor from HMRC


  That we should still be talking about the “net-pay anomaly” shows how little the debate has move on in a year. For most people losing out on their promised incentives for saving into a workplace pension , “anomaly” is … Continue reading

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Pension Play Pen lunch – “April 18th – a nudge too far?”


It’s one of the key questions for the next 6 months. Will the cost to employers  of the ramp from 1 to 2% of bank earnings, combined with the introduction of the National Living Wage – bump up the business … Continue reading

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“Pension contributions triple in April!” – is that what you’ll tell your staff?


A lot of small employers we talk to are keen to work out “what happens next” with auto-enrolment. Understandably they want to model the cash-flow implications for their businesses and evolve a communication program as part of the reward strategy … Continue reading

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“April 2018 – a nudge too far?” Pension Play Pen Lunch – Monday 4th September


In little more than six months time , auto-enrolment will face its next big test. Minimum contributions to workplace pensions will increase from 1% employer and 1% employee to 2% employer and 3% employee. The contributions need only be paid … Continue reading

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Put the customer first – help the pot follow member


I have recently been passed the slides of the PLSA?ABI+++ workshop on creating a common way for pension  pots to follow members. You can find them here. What a mess we are making of something so very simple! Here is … Continue reading

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Small employers are sorting the pension problem – but they need some help!


  There are a lot of organisations taking the credit for auto-enrolment and it’s true it has worked because Government , providers and business advisers have worked together. But the heavy lifting has been done by getting on for a … Continue reading

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