Category Archives: Blogging

Boomers struck down by Financial Constipation


I have four points to make about the figures published by HMRC on taxable drawdown yesterday The amount being drawn down is a dribble The drawdown is consistent over time – people are drawing down on average £30k pa These … Continue reading

Posted in advice gap, Blogging, Fungible, pensions | 3 Comments

Isn’t it time we thought of pensions as insurance (again)?


  Yesterday, I wrote of the positive future that I saw for collective schemes, if they could rid themselves of the pernicious effects of financial economics. I based my arguments on my perceptions of the impact of mark to market … Continue reading

Posted in Blogging, customer service, pensions | Tagged , , , | 2 Comments

GDPR – a contrarian view


I was going to entitle this piece “f*#k GDPR” but I have too many people I like, who live that dream, to risk offence. But I’ll be glad after 25th May, not to have to spend 30 minutes a day, … Continue reading

Posted in Blogging, brand, journalism, pensions | Tagged , , , , | 3 Comments

Advisers should welcome a revival of the collective pension scheme


Financial advisers have never had it so good. The collapse of the DB market has led to the outflow of tens of billions of pounds into the wealth market,  the emergence of fund platforms has allowed them to demonstrate a … Continue reading

Posted in Blogging, CDC, pensions | Tagged , , , , , | 4 Comments

Trojans – don’t trust that horse!


The TUC on Carillion Pensions. With the failure of Carillion, another corporate collapse leaves thousands of workers with uncertain futures and many may face reduced pensions.   There are questions to be asked about the state of Carillion’s myriad pension … Continue reading

Posted in Blogging, journalism, pensions, Trades Union Congress | Tagged , , , | Leave a comment

Pensions aren’t on the brink of anything!


I’m sorry to disappoint the headline writers at the BBC, but pensions are not about to change very much, are not in crisis and aren’t really worth the headlines they are getting. Those were the stunning findings of a group … Continue reading

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“Probing” IFAs is not enough; we need simpler more transparent transfers.


  Allegations of “mis-selling” against IFAs are premature and unsubstantiated. My eye was caught last night by a linked in post by Andrew Warwick-Thompson, formerly of the Pensions Regulator. Here we go again. The personal pensions miss-selling scandal all over … Continue reading

Posted in Blogging, BSPS, Change, FCA, pensions | Tagged , , , , , , , , , | 3 Comments

Offshore – out of sight? Angie Brooks shines light on rank bad practice.


OMI? OMG! SAME OLD, SAME OLD MUTUAL – SAME OLD LIES                                      Old Mutual International (OMI) is at the heart of much of … Continue reading

Posted in advice gap, Blogging, pensions | 1 Comment

Thanks to all our nice new friends!


    What a lovely New Year’s surprise! A gang of flamers having fun “one-starring” my blog! Well it’s good news for me, all feedback is good feedback and your dislike of everything I am writing is boosting my google … Continue reading

Posted in Blogging, brand, journalism, pensions | Tagged , , | 4 Comments

If you can’t be clever – have clever friends


Having clever friends has been the secret to whatever success I’ve had! In my third year at college in 1983, a bloke in specs appeared. His name was David Wilson and he came out drinking with us. He was a … Continue reading

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