here’s what you’ve been saying
Category Archives: auto-enrolment
“My pension stole my benefits!”
Gareth Morgan has , until now, been a lone voice, howling at the moon on the plight of the low paid faced with decisions on how to spend their pension pot. “Until now” means that he is now joined by … Continue reading
Posted in annuity, auto-enrolment
Tagged annuity, Guidance, Pension Credit, Universal Credit
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Covid-19 actuaries “Super Saturday” report
The Friday Report – Issue 14 (published Saturday July 4th) COVID-19 Actuaries Response Group – Learn. Share. Educate. Influence. Every week, more is written on COVID-19 than any individual could possibly read. Collectively, the COVID‑19 Actuaries Response Group read … Continue reading
Posted in auto-enrolment, coronavirus, pensions
Tagged actuaries, COVID19, Leciester, Matt Fletcher, Nicola Oliver, Roomba
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Don’t cash-out your pension #buildbackbetter !
This blog is about how we make sure we have enough cash to pay the bills (including the butcher’s bills) Cashing out pensions – the lure In its recent policy statement (P20/6), the FCA leaves two carve-outs (loopholes) for advisers … Continue reading
Posted in advice gap, age wage, Australia, auto-enrolment, pensions
Tagged Australia, Cash-out, Encashment, HMRC, Pension Freedoms, pensions, Super
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Thoughts on the triple lock
There’s no doubt that the unwinding of the furlough presents the Treasury with a technical problem with the triple lock. You can read the details here But that does not mean that the pensions industry can consider the state pension … Continue reading
Posted in auto-enrolment, pensions, self-employed, steve webb
Tagged ft, jo cumbo, pensions, state pension, SteveWebb, Triple-Lock
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DC challenges the Private Equity billionaires
Robin Powell (the evidenced based investor) makes a bold claim. Ludovic Phalippou is a hero. Who is Phalippou? Ludovic Phalippou is an economist who has written a paper detailing the workings of the Private Equity industry and how it … Continue reading
Posted in auto-enrolment, dc pensions, pensions
Tagged dc, ft, Ludovic Phallipou, Phallipou, Private Equity
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Preventing a pension-pot epidemic
Pension Bee is right to be researching the impact of changing employment practice on the economics of running a DC pension. Even before the pandemic , the DWP estimated that without radical intervention we would see 50m abandoned pension … Continue reading
Posted in auto-enrolment, pensions
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Aviva’s IGC – more effective than its report suggests
Aviva’s IGC has turned up and you can preview it here (it launches properly Monday) It’s available as a PDF you can download here or you can read a digital version Having read both, I’d suggest that the PDF works … Continue reading
Posted in advice gap, age wage, auto-enrolment, IGC, pensions
Tagged Aviva, Colin richardson, digital, IGC, Investment, Money, Risk, value
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The pension must go on
As we all work in our individual way from our individual workplaces, it’s hard to see the big picture – we see plenty of trees but not the wood. Pensions are not about us but about the people who get … Continue reading
Posted in advice gap, age wage, auto-enrolment, dc pensions, de-risking, Liability Driven Investment, Pension Freedoms, pensions
Tagged admin, administration, advice, Furlough, Investment, Oil, pension, Show must go on
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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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Contractors can’t have their cake and eat our pensions too
The Association of Independent Professionals and the Self-Employed have condemned Lloyds Banking Group’s decision to either scrap contractors or force them into umbrella companies. I think this unfair on Lloyds and unfair on the tax-payer. As anyone in reward … Continue reading
Posted in advice gap, auto-enrolment, pensions, Value for Money
Tagged auto enrolment, DWP, HMRC, HMT, IPSE, IR35, LBG, Lloyds Banking Group, pensions
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