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Category Archives: Change
“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
“A decision to take a transfer cannot be reversed and should not be rushed”
This blog is mainly written for deferred members of the British Steel Pension Scheme, but many other people may find it interesting. There’s no doubt that what is going on in Tata-land, will go on with other employers who feel … Continue reading
Posted in accountants, advice gap, Bankers, Change, drawdown, Facebook, pensions
Tagged advice, Al Rush, BSPS, CETV, Drawdown, Facebook, pensions, Time, transfer-value, TUC
8 Comments
Common sense needed on transfers
Whether you’re moving house or moving money, the process is fraught. We are no closer to pots following member than when the “portable personal pension” was established in 1987. The friction involved in moving money from scheme to scheme, fund … Continue reading
Posted in Change
Tagged annuities, Common sense, Freedom, guarantees, Money, moving money, pension freedom, pension savings, pension transfers, pensions, personal pension, Thomas Paine
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Care or hubris? – How Tesco got in such a pensions mess.
Every little helps? The right old mess that Tesco has found itself in , is blamed partially on its mishandling of its pension strategy. How can an organisation with the motto “every little counts” have such a large pension deficit? … Continue reading
Posted in Change
Tagged Aldi, art of pensions, atrophication, CDC, change, Deficit, Finest, Google, Leadership, lidl, Morrisons, NAPF, progress, Tesco
11 Comments
Probably the worst flagship tax ever?
George Osborne says his proposed tax break for high value homes is about “values”, it is no such thing. This policy is about votes. What is going on with the conservatives on tax? They have become obsessed with the “retail … Continue reading
Posted in auto-enrolment, Change
Tagged accountancy, George Osborne, HMRC, inheritance tax, Labour Party, OBR, pensions, Tax, tax giveaway, Treasury
4 Comments
Magic beans and “negative capability”
Negative capability describes the capacity of human beings to transcend and revise their contexts. If we dismiss it as “magic beans” we are committed to repeating the mistakes of the past – and- as we all know – that way is madness. Continue reading
Posted in Change, corporate governance, drawdown, Financial Education, happiness, Pension Freedoms
Tagged Business, CDC, corporate governance, David Pitt-Watson, dc pensions, Financial services, Government, Hari Mann, John Ralfe, Kevin Wesbroom, madness, magic beans, mistakes, Negative capability, pension, Pension new, pension playpen, pensions, progress, repeating mistakes, Retirement, Steve Webb
6 Comments
Meaninglessly big data.
I don’t like this infographic, it just appeared on my twitter feed to attract me to an article that would lead me to the conclusion that I was helpless and needed the assistance of some organisation to create me a … Continue reading
Posted in Change, Management, pensions, Politics
Tagged Big Problem, big-data, Data, fail, God
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What are your CDC property rights?
Some pension promises are easy to value If I promise to pay you a monthly amount over the next five years, it is fairly easy to work out the value of that promise. At it’s simplest level the value is … Continue reading
Business relies on transparency – it’s time platform managers come clean
General principles Buying low and selling higher is the basis of all commerce. Intelligent purchasers seek to cut out intermediaries to buy direct. Smart intermediaries use their financial muscle to bulk-purchase, getting a better price than a single purchaser can … Continue reading
Posted in Change, FSA, pensions, smelly
Tagged charge, DWP, fee, fund charges, Fund platforms, Funds, Government, pension, Pension new, pensions, Retirement
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“Ring out the old – ring in the new”- who will be our investment fiduciaries in retirement?
Yesterday I went to the Schroders DC Challenge conference which was all about “delivering value and certainty” to retirement savers. I left enlightened by some interesting debates and one or two talks. I’ll share with you three observations that I … Continue reading
Posted in advice gap, Change, Financial Education, Henry Tapper blog, pensions
Tagged annuity, Business, corporate governance, corporate risk, dc pensions, Defined benefit pension plan, Financial Services Authority, Government, Insurance, Investing, Investment, Investment management, Liability Driven Investment, Life annuity, National Employment Savings Trust, pension, Pension new
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