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Category Archives: auto-enrolment
These are the Good Times for savers and investors!
It is very rare that savers get told they’re “having it good”, but if you’re saving into a workplace pension default , you’ve just had a great 12 months. I’m looking at a piece of paper that tells me … Continue reading
Posted in advice gap, auto-enrolment, pensions
Tagged entrepreneurs, equities, Housing, investors, Monkman, Savers, Technology
2 Comments
We do not need another consultation on costs and charges.
A report in Professional Pensions that we are to get yet another consultation on costs and charges fill me with gloom. As the report points out, we have two consultations on the subject – in progress. They follow an exhaustive call … Continue reading
Posted in accountants, actuaries, advice gap, auto-enrolment, pensions
Tagged charges, costs, FCA, hidden charges, pension, pensions, TPR, Transaction costs
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Seasonal workers have as much right to a workplace pension as any others!
I am surprised and disappointed in the National Farmers Union, lobbying to release farmers from paying auto-enrolment contributions to short-term “seasonal” workers. We are in danger of opening the flood gates here to every part of the gig economy that … Continue reading
Posted in auto-enrolment, pensions
Tagged CBI, DWP, Farmers, Harrington, NFU, Payroll, workplace pension
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Where next for “value for money”?
Value for Money is the holy grail for the fiduciaries of workplace pensions. In this article I outline how the providers of workplace pensions are going about establishing value for money and looking at ways to improve things in … Continue reading
Posted in auto-enrolment, pensions
Tagged Dr Chris Sier, FCA, Holy Grail, Value for Money, VFM
2 Comments
“Famine or feast pensions”- demand advice is better spread.
Where you work not how you work determines your pension prospects. If you choose to work for a blue chip company or for the Government you can expect at worst a high contribution to a workplace pension and at best a … Continue reading
Posted in accountants, actuaries, advice gap, auto-enrolment, pensions
Tagged advice, auto enrolment, consultancy, DB, dc, DWP, famine, feast, Pension Schemes Bill, pensions, regulation, workplace pensins
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How can payroll bureaux profit from auto-enrolment?
I’ve recently been asked by the leading payroll trade publication to answer some questions. I’ve enjoyed thinking about them and have set out my answers below. I’m not a payroll manager and I don’t run a bureau – I’m not … Continue reading
Posted in accountants, auto-enrolment, Payroll, pensions
Tagged accountant, auto enrolment, book keeper, Payroll World, pension, Technology, Workie, workplace pension
1 Comment
Let’s put an end to pension transfer privilege.
“Sexy cash” legitimised? A few years ago , Sir Steve Webb, then our pension minister, stood in front of the PLSA and berated Boots and its pension scheme for tempting members out of the pension scheme with cash incentives. He … Continue reading
Posted in annuity, auto-enrolment, pensions
Tagged CETV, Critical yield, DB, dc, defined benefit, Defined Contribution, IFA, Philip Green, transfer advice, transfers
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The peril of pensions (a quiet word in payroll’s ear).
Anyone who manages payroll, whether in-house or as an outsourcer, will by now have discovered the perils of auto-enrolment. This article will not rehearse the process issues (you’ll be relieved to know). But with auto-enrolment come workplace pensions. Currently the majority … Continue reading
Posted in accountants, advice gap, auto-enrolment, pensions
Tagged accountant, auto enrolment, DWP, NEST, Payroll, pension, The Pensions Regulator, TPR, Workie, workplace pension
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Likely market impact of the Pension Schemes Bill
The Pension Schemes Bill (the Bill) is expected to be enacted in 2017 and focusses on protecting savers and maintaining confidence in pension savings. The pensions market has responded to the introduction of auto-enrolment and has developed a new … Continue reading
Posted in auto-enrolment, pensions
Tagged CP16/30, DWP, FCA, pension pounds, pensions, TPR
3 Comments
Never mind the quality, feel the width- AE review to nudge coverage not contributions!
Summary The Government has set out it’s stall for next year’s AE review. To the disappointment of providers, an increase in contributions is not on the agenda. But the breadth of coverage of AE is – including consideration of the … Continue reading
Posted in auto-enrolment, pensions
Tagged AE, auto-enrolement, coverage, nudge, pensions, Review, thresholds, triggers, workplace Pensions
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