Find what you need to know
the pension plowman
- FCA -If you’re looking for innovation….get real! lnkd.in/gpgpdcSthanks 1 hour ago
- @RAF_IFA People were free to discuss finances long before @thefca came along. We're now petrified to offer anyone… twitter.com/i/web/status/9…thanks 1 hour ago
- @pensionseagull Thanks Michael, the computer is a little poorly so the images aren't displaying! henrytapper.com/2017/09/20/its… …thanks 1 hour ago
- RT @pensionseagull: It's not "advice v guidance"; it's "advice v selling". henrytapper.com/2017/09/20/its… via @henryhtapper Great piece from Henr…thanks 2 hours ago
- @RAF_IFA we are as one!thanks 2 hours ago
- RT @RAF_IFA: @henryhtapper We all want advice to be simple and easy, 'enery, but it needs to be accountable, justifiable and safe, too. htt…thanks 2 hours ago
- It’s not “advice v guidance”; it’s “advice v selling”. lnkd.in/gACfVkqthanks 2 hours ago
- It’s not “advice v guidance”; it’s “advice v selling”. henrytapper.com/2017/09/20/its…thanks 2 hours ago
- RT @MickMcAteer: I think we've had too much of the wrong sort of innovation in financial services,too little of the right sort(basic servic…thanks 14 hours ago
- fb.me/1JkQkux90thanks 14 hours ago
Helping people take financial decisions
- Actuarial science Actuary advice annuity auto enrolment Business Business and Economy CDC charges Con Keating corporate governance corporate risk DB dc dc pensions de-risking defined benefit Defined benefit pension plan Drawdown DWP Employment England Facebook FCA Financial services Financial Services Authority first actuarial Funds governance Government Guidance Human Resources IFA IGC Insurance Investing Investment Investment management Life annuity linkedin London National Employment Savings Trust NEST Payroll pension Pension Freedoms Pension new pension playpen Pension Poverty Pension Protection Fund Pension Regulator pensions Pensions Politics ppf public sector Public Sector Pensions regulation Retirement Ros Altmann social media Society Standard Life Steve Webb Tax tax relief Technology The Pensions Regulator TPR Treasury twitter United States Workie workplace pension workplace Pensions
Archives
- September 2017
- August 2017
- July 2017
- June 2017
- May 2017
- April 2017
- March 2017
- February 2017
- January 2017
- December 2016
- November 2016
- October 2016
- September 2016
- August 2016
- July 2016
- June 2016
- May 2016
- April 2016
- March 2016
- February 2016
- January 2016
- December 2015
- November 2015
- October 2015
- September 2015
- August 2015
- July 2015
- June 2015
- May 2015
- April 2015
- March 2015
- February 2015
- January 2015
- December 2014
- November 2014
- October 2014
- September 2014
- August 2014
- July 2014
- June 2014
- May 2014
- April 2014
- March 2014
- February 2014
- January 2014
- December 2013
- November 2013
- September 2013
- August 2013
- July 2013
- June 2013
- May 2013
- April 2013
- March 2013
- February 2013
- January 2013
- December 2012
- November 2012
- October 2012
- September 2012
- August 2012
- July 2012
- June 2012
- May 2012
- April 2012
- March 2012
- February 2012
- January 2012
- December 2011
- November 2011
- October 2011
- September 2011
- August 2011
- July 2011
- June 2011
- May 2011
- April 2011
- March 2011
- February 2011
- January 2011
- December 2010
- November 2010
- October 2010
- September 2010
- August 2010
- July 2010
- June 2010
- May 2010
- April 2010
- March 2010
- February 2010
- January 2010
- December 2009
- November 2009
- October 2009
- September 2009
- July 2009
- May 2009
- April 2009
- January 2009
Follow the Pension Play Pen on linkedin
lang: en_UShere’s what you’ve bee saying
-
-
Recent Posts
- It’s not “advice v guidance”; it’s “advice v selling”.
- FCA -If you’re looking for innovation….get real!
- Would a shift from bonds to growth assets keep the USS afloat? – Mike Otsuka
- Advising the 5,000; so where are the loaves and fishes?
- FCA- Outcomes for DC savers will improve when we resume sharing risk!
pension plowman
- FCA -If you’re looking for innovation….get real! lnkd.in/gpgpdcSRestoring confidence in pensions 1 hour ago
- @RAF_IFA People were free to discuss finances long before @thefca came along. We're now petrified to offer anyone… twitter.com/i/web/status/9…Restoring confidence in pensions 1 hour ago
- @pensionseagull Thanks Michael, the computer is a little poorly so the images aren't displaying! henrytapper.com/2017/09/20/its… …Restoring confidence in pensions 1 hour ago
- RT @pensionseagull: It's not "advice v guidance"; it's "advice v selling". henrytapper.com/2017/09/20/its… via @henryhtapper Great piece from Henr…Restoring confidence in pensions 2 hours ago
- @RAF_IFA we are as one!Restoring confidence in pensions 2 hours ago
Categories
- #WASPI
- Accelerator
- accountants
- actuaries
- advice gap
- Airlander
- alvin hall
- Angelina Jolie
- annuity
- Australia
- auto-enrolment
- Bankers
- Big Government
- blockchain
- Blogging
- brand
- Brexit
- Candy Crunch
- cannibalism
- cardano
- CDC
- Center Parcs
- champions league
- Change
- Charity
- Cheltenham
- cheltenham festival
- christmas
- Church of England
- cliche
- club pension
- clyde & co
- Consolation
- consolidation
- consultant
- corporate governance
- costa concordia
- Counting House
- cricket
- Cruise boats
- customer service
- David Pitt-Watson
- dc pensions
- de-risking
- Debt
- defined ambition
- defined aspiration
- Delirious
- doctors
- drawdown
- DWP
- East coast trains
- economics
- EIS
- EU Solvency II
- Euro 2012
- ezra pound
- Farefail
- Fawlty Towers
- FCA
- Fiduciary Management
- Financial Conduct Authority
- Financial Education
- FinTech
- First Actuarial
- fish
- flood
- Flump
- football
- Force for Good
- Frankel
- Fred Goodwin
- FSA
- Fungible
- gloriana
- Golf
- governance
- Greece
- Guidance
- happiness
- hargreaves lansdowne
- hedge funds
- henley
- Henry Tapper blog
- Horse racing
- IGC
- IMIA Awards
- infrastucture
- investment
- iphone
- Ireland
- ISA
- jeremy clarkson
- jeremy corbyn
- Jersey
- John lewis
- journalism
- joy division
- jubilee
- Lady Lucy
- later life
- leadership
- Leonard Cohen
- Liability Driven Investment
- Liberal Democrats
- Libya
- life insurance
- LISA
- London
- mallowstreet
- Management
- Mark Carney
- Martin Lewis
- Matisse
- Matisse cut-outs
- Middle East
- middleware
- Money Advice Service
- monkey league
- monty python
- Music
- napf
- NEST
- Nick Clegg
- norse sagas
- North Korea
- Nothe
- now
- Occupy London
- OECD
- Olympics
- Olympics 2012
- one pound fish
- Oxford and Cambridge Boat Race
- Paul Lewis
- Payroll
- Pension Freedoms
- pension playpen
- Pension Rocks III
- pensions
- Pensions Regulator
- Personal Accounts
- Personality
- PLSA
- poetry
- Politics
- Popcorn Pensions
- pot
- PPI
- Public sector pensions
- punk
- QROPS
- RBS
- redington
- religion
- Retail Distribution Review
- Retirement
- reward
- Ricky Gervais
- risk
- robo-advice
- Ros Altmann
- Royal Mail
- rugby
- Ryder Cup 2012
- Sage
- Salford Quays
- SEIS
- Shakespeare
- shell
- smelly
- social media
- springstee
- Springsteen
- St Paul's
- Start ups
- State Street
- steve webb
- stock lending
- Student debt
- Suarez
- Syria
- target date funds
- Tenerife
- The Ashes
- the pitch
- The Racket of the Lambs
- town planning
- Trades Union Congress
- Treasury
- Troy shandell
- Trump
- trustee
- TS Eliot
- Twickenham
- WASPI
- welfare
- wiggins
- William and Kate
- with-profits
- wonga
- Workie
- workplace pensions
- World Cup
- x factor
- Yeovil Town
- zopa
Pages
- Follow The Vision of the Pension Playpen on WordPress.com
Category Archives: CDC
FCA- Outcomes for DC savers will improve when we resume sharing risk!
The FCA has asked for response to it’s Retirement Outcome review, NEST have shared their response with the FT which reports NEST saying that, without “the right support structures in place”, it was “extremely concerned” its 5m members may run out … Continue reading
Posted in CDC, pensions
Tagged CDC, DB plans, pension, pensioner, Retirement outcomes, risk sharing
4 Comments
This market failure’s not about advice but product.
The FCA paper on structural problems with the pension freedoms that I wrote about yesterday, is the first evidence of Government admitting all in this garden is not rosy. What has happened since 2015 is an increase in people hammering … Continue reading
Posted in advice gap, CDC, pensions
Tagged advice, annuity, CDC, Drawdown, financial advice, Target Pensions, wealth management, wealth manager
5 Comments
How do we manage the baby-boomers “huge” pensions?
The idea that £1m is a cap on huge pensions , beyond which we pay penal tax rates, is ludicrous. In answer to a question on this blog, I did some simple sums. Here first is the answer Nicholas, a … Continue reading
Posted in CDC, pensions
Tagged advice, CDC, CETV, cost of advice, DB, Drawdown, pensions, phased drawdown, Third way
6 Comments
“The Gold Star DC Pension Plan” – awaiting conception!
That good chap Jonathan Stapleton who runs mags for Incisive has asked me for my view on what makes for a gold star DC pension scheme. I’ve submitted 150 words which I hope will find their way into a … Continue reading
Posted in CDC, dc pensions, defined ambition, pensions
Tagged Dave Brailsford, dc, Defined Contribution, Fiona Dunsire, Gold star, pensions, PQM
Leave a comment
Good retirement outcomes depend on collective solutions
The FCA have called for evidence on the likely success of our current “at retirement” strategy, this response is consistent with what this blog has been saying for some years, collective problems need collective solutions, the market is not enough, … Continue reading
Posted in CDC, David Pitt-Watson, dc pensions, defined ambition, defined aspiration, FCA, pensions
Tagged CDC, collective, Drawdown, FCA, Pension Freedoms, Pension Wise, pensions, Retirement, robo-advice, TPAS, unadvised drawdown
Leave a comment
Learning to live from what’s in the (pension) pot
Today’s the red letter day for the Pension Regulator (and to a lesser extent- the Pension Protection Fund) , when they find themselves under the scrutiny of the DWP Select Committee. In question is the competence and capability of both … Continue reading
Posted in CDC, pensions
Tagged CDC, Pension Protection Fund, risk sharing, target pension, The Pension Regulator, TPR, UNISON, Unite
Leave a comment
“10 years too early, 10 years too late” – CDC stands on on an empty platform
Nearly eight years ago, the Government Actuary ‘s Department produced a paper that effectively killed CDC. It argued that CDC could not be relied upon to deliver benefits with the same certainty as our DB system and that there was no … Continue reading
Posted in advice gap, CDC, Pension Freedoms, pension playpen, pensions
Tagged CDC, DWP, FAMR, Financial literacy, GAD, Pension Freedoms, pensions, Personal emplowement, Politics, Ros Altmann, Steve Webb, Treasury
Leave a comment
Con Keating on the future of CDC – (pt 3)
This is the third of three blogs from Con which will in future appear in Professional Pensions. The idea that individual DC will produce pension outcomes that are satisfactory for the majority of retirement savers is now thoroughly discredited, as is … Continue reading
Posted in CDC, Pension Freedoms, pension playpen, pensions, Pensions Regulator
Tagged CDC, Con Keating, decumulatioin, default, defaults, Money, Retirement
Leave a comment
Heard the one about the Englishman, the Australian and the American?
If you are a fan of such jokes, read no further – the Social Market Foundation’s (SMF) study “Golden Years? What freedom and choice will mean for UK pensioners“, contains all three characters (unsexed), but there the joking ends. This is … Continue reading
Posted in annuity, Australia, CDC, Paul Lewis, Pension Freedoms, pension playpen
Tagged annuities, Battle of Britain, Freedom and Choice, Just Retirement, Pension Sise, SCF, SMF, Social Market Foundation
2 Comments
If not CDC – what?
CDC – flawed in conception Steve Webb told me that when he spoke with Andrew Young, the former Government Actuary for the DWP, Andrew advised him to “think big”. Steve did and he will be remembered not just for the … Continue reading
