Category Archives: auto-enrolment

NEWS- Saving into a pension is what we WANT to do!


Well you may not find it news, but I do. I started out in 1984 selling pension policies to people who I met in Oxford Street and again at their homes. These people were promised ridiculous returns (13% pa on … Continue reading

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Four ways to harvest what auto-enrolment has sown!


We have to think how we can best support the 1m employers who have workplace pensions. Here are some solutions we’re coming to. Continue reading

Posted in accountants, auto-enrolment, NEST, now, pensions | Tagged , , , , , | 1 Comment

Is the Taylor report “dead and buried”?


When Theresa May asked Matthew Taylor to Review Modern Working Practices in the UK it was October 2016. She looked a strong and stable leader with a majority and a nation behind her. On July 11th, exactly a year after … Continue reading

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2018 and all that… AE costs go up 150%!


  How prepared are we for the first big hike in auto-enrolment contributions in April 2018? Should we be preparing our staff for a fall in take home pay? What can we do to see pension saving as a positive? Alright … Continue reading

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

Innovative pensions for the mass of us!


In its Retirement Outcome Review (interim report), the FCA were clear on  evidence of a problem The blame lies not with thick consumers but with lack of competition If competition is not working effectively and consumers make uninformed retirement income decisions this could lead to … Continue reading

Posted in advice gap, auto-enrolment, DWP, pensions | Tagged , , , , , , , | 4 Comments

Don’t get strung up on pension ministers!


News that Richard Harrington is leaving his post as Pension Minister for BEIS shouldn’t surprise readers of this blog. The move had been heavily flagged in the DWP and tPR even before the election, @Richard4Watford put “pensions first” for his … Continue reading

Posted in advice gap, auto-enrolment, pensions, Politics | Tagged , | 3 Comments

The past, present and future of Pensions #autoenrolment


On Wednesday , at 5pm , I’ll be explaining these slides at Accountex 2017 – a talk generously sponsored by the Chartered Institute of Payroll Professionals. It’s going to be a fun, provocative and I hope instructive talk and I’m … Continue reading

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NEST’s dirty laundry on the line!


  Thanks to First Actuarial for producing this chart for this blog. Here’s how to read In 2010 when NEST opened , it had no assets – it  had quite a lot of debt (£134m* from setting up days as … Continue reading

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Time to dig this Government out of its hole?


Tax, national insurance and pensions policy should be put in a vault marked “toxic” and should be handled with extreme caution. This morning I have three toxic issues to prove my point. The fiasco of announcing an increase in national insurance … Continue reading

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John Ralfe, Ros Altmann and the cost of central heating.


John Ralfe kindly promoted my article on the lack of diversity in the AE review. The AE review and the pension stitch up. https://t.co/8585n7hOEL via @henryhtapper is spot on — John Ralfe (@JohnRalfe1) February 11, 2017 //platform.twitter.com/widgets.js Responsible John By … Continue reading

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