Category Archives: Change
The ABI’s 10 problems with CDC – with 10 answers!
The ABI have 10 problems with Steve Webb’s collective DC plan, articulated as follows by Huw Davies , their Director of Policy. As usual his is a constructive outcome focussed argument as you’d expect from an organisation devoted to making the lot of Britain’s … Continue reading
Posted in CDC, Change, pensions, Retirement
Tagged Business, dc pensions, DWP, Government, Insurance, pension, pensions, Steve Webb
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Getting use to managing pensions ourselves
The ideas of personal financial empowerment and independent financial advice grew up hand in hand. But they are mutually exclsusive concepts and ill-matched bedfellows. Now that we have the means to do it ourselves, we need to be allowed to. … Continue reading
Good with food – not so good with money.
The sad events at the Co-operative Bank this year are not the first financial services scandal to hit the Co-operative movements. Less publicised but no less carnal, was the behaviour of the management of Co-operative Insurance Services (CIS) who were … Continue reading
Posted in auto-enrolment, Bankers, Change, club pension
Tagged Business, co-op, Government, Human Resources, Investing, mutual, Pension Poverty, pensions
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A race to the top?
We will not get this problem sorted out in a meeting room in the DWP, though the DWP can clear the decks and allow us to operate with a clean sheet of paper. Continue reading
Imaginary terror exposed
The decision by the House of Commons not to agree (even in principle) to Britain’s military intervention in Syria was surprising and uplifting. There will be three immediate consequences. 1. We will not open yet another front on the war … Continue reading
Posted in Change, Consolation, Syria, welfare
Tagged Cameron, chemical weapons, Hague, parliament, Syria, terror, terrorism, war
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Why bother to save? – Invest instead!
What this policy is about is getting people to invest in real assets for the best interests in society Continue reading
Posted in annuity, auto-enrolment, Bankers, Change, club pension, Management, Mark Carney, pensions, social media, workplace pensions
Tagged BOE, Business, Business and Economy, Defined benefit pension plan, Employment, Fiscal, Government, Human Resources, Inflation, Insurance, interest, Mark Carney, monetary, National Employment Savings Trust, pension, rates, Retirement
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The true and fair way to “cost” your investments
This machine will increase competition, drive out inefficiencies and increase respect for managers (with an eye to costs ) Continue reading
A method to chose your workplace pension scheme.
I’d value your feedback on a scoring system we are developing which aims to provide employers with a method of rating one pension proposition against another. We want it used by employers looking to establish a new workplace scheme, and those who … Continue reading
Paying as you earn; the best way to save
Monday will see the start of the benefits changes that will climax in the full introduction of the Universal Credit in a year’s time. This is not an article about these changes. But it takes it kicks off from a brilliant … Continue reading
Posted in Change, dc pensions, Financial Education, Martin Lewis, Payroll, pension playpen, pensions, St Paul's, Trades Union Congress, wonga
Tagged Citizens Advice Bureau, Council Tax, Department for Communities and Local Government, Direct debit, Joseph Rowntree Foundation, Payroll, Tax, Universal Credit
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