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Category Archives: auto-enrolment
Pension’s “unknown unknowns”
This one takes some beating for nerds interested in the nuts and bolts challenges of building a mass workplace #pensions system:https://t.co/vR638ugBgr — Gregg McClymont (@greggmcclymont) September 17, 2019 Gregg tweets a story run by the FT almost a year after … Continue reading
Posted in advice gap, age wage, auto-enrolment, Payroll, pensions
Tagged auto enrolment, Payroll, pensions
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Auto-enrolment – what next?
We have got so used to auto-enrolment contribution rates going up as phasing unwinds that it’s actually quite disappointing to think we have no further challenges on the horizon. The Government, in its 2017 auto-enrolment review, promised to introduce a … Continue reading
When naming and shaming had to stop
It now is clear there are not one but two firms that have been hit with a £350,000 fine through escalating penalties from the Pensions Regulator and both relate to the non-payment of monies into staff pension accounts. These are … Continue reading
Posted in auto-enrolment, pensions, Pensions Regulator
Tagged auto-enrolement, compliance, enforcement, pensions, TPR
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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
Posted in advice gap, age wage, auto-enrolment, pensions
Tagged auto enrolment, DWP, Frank Field, pensions, W&P Select, Work and Pensions Select Committee, WPS
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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
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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
“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
Posted in advice gap, auto-enrolment, pensions
Tagged autoenrolmageddon, BBC, Kate Upcraft, net-pay, Paul Lewis, pensions
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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
Posted in advice gap, auto-enrolment, pensions, Treasury
Tagged auto enrolment, net-pay, pensions, PRAS, Ros Altmann, Treasury
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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
Posted in auto-enrolment, corporate governance, pensions, pot
Tagged chris sier, IDWG, Jeff Houston, LGA, Michelle Cracknell, pensions, VFM
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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
Posted in auto-enrolment, pensions
Tagged auto enrolment, Ease, ITM, L&G, LGIM, pensions, Technology, workplace pension
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