Category Archives: auto-enrolment

Taking possession; how’s Workie performing ?


There’s an urban (pension) myth that it’s not until your pension is worth as much as your car that you take any notice of it. My car has been written off twice and has a scrap value of £1000 so … Continue reading

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Why there is no “opt-out” for the self-employed.


  I get annoyed when I hear pension experts opine on including the self-employed in auto-enrolment (1). I don’t see much self-employment on their CVs, I certainly don’t see many of them being self-employed out of necessity. But most of … Continue reading

Posted in accountants, advice gap, auto-enrolment, dc pensions, pensions, Pensions Regulator, Politics | Tagged , , , , , , , | Leave a comment

Power to the people (now we’re taking the risk).


  If the People’s Pension , is really the people’s pension, why aren’t the people who are members being told what they are paying for membership? For some months, I have been saying privately to the management and Trustees of … Continue reading

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“Not so fast!” – the @Aviva #AE conference needs to listen to those not in the room


I spent yesterday morning with Aviva at their future of Auto-Enrolment event in the City. Here’s Aviva’s 10 point wish-list for Auto-Enrolment. ADEQUACY: 1. Phase towards 12.5% contributions by 2028 2. Adopt a flat rate of tax relief – save … Continue reading

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Remembrance day – let’s stop fighting.


    Today is the anniversary of the day we stopped the war on November 11th 1918. Two sides stopped the war and though the peace was a poor one, the relief of ending hostilities is remembered. More importantly the … Continue reading

Posted in auto-enrolment, brand, pensions | 4 Comments

The Pension Dashboard – all dressed up with nowhere to go.


The number of pension providers who’ve paid to join the Government’s pension dashboard initiative has risen to 17. The initial pilot will be more complete because legacy pension providers like Phoenix have joined the hard core who offer new pensions … Continue reading

Posted in auto-enrolment, drawdown, pensions | Tagged , , , , , , , | 1 Comment

Will the gig-economy auto-enrol? More likely after UBER judgement!


Today’s the day that an employment tribunal in London will decide whether Uber’s 40,000 licensed drivers are self-employed or “workers”. So far all the talk has been about sick-pay, holiday pay and the minimum wage. But “worker” (as in “personal … Continue reading

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Thanks – it’s a delight to do business with you!


    It’s a real delight speaking to micro businesses about pensions. You might think a simple question like “which one do you think is best?” would become boring, now we’re closing in on 5000 employers who’ve asked us it. … Continue reading

Posted in auto-enrolment, pension playpen, pensions, robo-advice, Sage | Tagged , , , , , , , , , | Leave a comment

NEST is not auto-enrolment


  I went to a talk yesterday by a former shadow cabinet minister of state for the DWP. It was under Chatham House rules so I can’t tell you which one – it doesn’t matter which one – it matters … Continue reading

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Put up or shut up Otto – how are you paying back our money?


If you weren’t in Liverpool for last week’s PLSA conference, do not slit your wrists. You can watch the sessions on youtube. If you want to hear how product providers see the challenges on them and us- from the remaining … Continue reading

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