The self-employed commonly have very lumpy income streams plus periods of feast and famine. Their lack of income security means…
This particular question wasn’t asked or answered but Oliver was very clear that the launch is only the start. The…
Priest Alaska brought back the woman I love after another man nearly destroyed our marriage. My wife’s personality had changed…
Priest Alaska brought back the woman I love after another man nearly destroyed our marriage. My wife’s personality had changed…
Category Archives: auto-enrolment
Auto-enrolment for all?
The Government has leaked details of the findings of their auto-enrolment review and what its wanting to do about them. Each of the four proposals outlined below has merit, though they won’t be achieved without protest from those who will pay more into … Continue reading
Posted in accountants, auto-enrolment, pensions
Tagged auto enrolment, David Gauke, DWP, pensions, Politics
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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 dyke, jonathan Stapleton, NEST, NOW Pensions, operators, pensions
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
Posted in auto-enrolment, pensions
Tagged auto-enrolement, DWP, Guy Opperman, inclusion, NEST, pensions, Savings
5 Comments
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
Posted in auto-enrolment, pensions
Tagged chris sier, DWP, FCA, Transparency, war, workplace Pensions
6 Comments
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 advice, FCA, feeding the 500, Guidance, loaves and fishes, robo-advice, TPAS
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
Posted in auto-enrolment, pensions
Tagged AE, auto enrolment, Auto-enrolment review, HMRC, NOW, Pension Policy, pensions
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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
Posted in auto-enrolment, pensions
1 Comment
“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
Posted in auto-enrolment, pensions
Tagged auto enrolment, pension, pensons, TPR, workplace Pensions
2 Comments
“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
Posted in auto-enrolment, pensions
Tagged Counting House, Lunch, pension auto-enrolment, Pension Play Pen, pension playpen, SME, TPR
2 Comments
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
Posted in accountants, actuaries, auto-enrolment, pensions
Tagged NEST, NOW Pensions, Origo, pensions, Pensions Bee, Pot follows member
2 Comments
As cryptocurrency adoption continues to grow, scams, hacking incidents, fraudulent investments, and lost wallet credentials remain major challenges. TECHY FORCE…