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Category Archives: consultant
COVID-19 – our chances IF we survive.
Introduction Given the complexity of the question, and the different facets, we are breaking our commentary on this question into three bulletins: What is the likely mortality of the ‘survivor pool’ in the short term? What are … Continue reading
Posted in actuaries, advice gap, consultant, coronavirus, pensions
Tagged Covid-19, Matthew Edwards, mortality, Pandemic
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A make or break week for UK investors
Are fund managers the new bankers? If you’ve read the excellent (draft) FCA Asset Management Market Study, you’d be forgiven to think they were – (and that investment consultants were their knowing flunkies). The question now is how far the FCA … Continue reading
Posted in advice gap, consultant, corporate governance, pensions
Tagged Asset management, Consultant, FCA, ft, Funds, IA, Investment Association, investment consultant
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Ignore “bad “; let’s big-up good asset management!
The asset management industry will get nowhere trying to defend bad practices. It should be celebrating its success stories. We have good active managers in this country and we have good passive managers, protecting bad practice among bad asset managers … Continue reading
Posted in consultant, corporate governance, customer service, pensions
Tagged Fundsmith, Investment Association, LGIM, Martin Dietz, Michael Johnson, Terry Smith
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Tax-subsidies on retirement advice; a waste of public funds!
The Government intends to extend tax breaks on pensions to allow those with pension pots to use them to pay for advice. The details are in this consultation document. The fundamental premise is that taking financial advice on retirement matters … Continue reading
Posted in advice gap, consultant, dc pensions, de-risking, defined ambition, pensions
Tagged advice, Advisor charging, de-risking, FAMR, pensions, RDR, Retirement, Tax, tax relief
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Value for money from investment consultants
In this article I’m proposing that investment consultants are subject to the same degree of scrutiny as the other service suppliers to trustees. Investment consultants should be subject to a Value for Money assessment). This morning I will be hearing … Continue reading
Making “PLSA” more than a name-change.
“What’s the point of disruption?” This is the kind of exam question that I’d love to answer. Just sit me down in some massive gymnasium with a pen and paper and I’d hand you back 2000 words an hour later which … Continue reading
Posted in consultant, napf, Payroll, Pensions Regulator
Tagged pension playpen, PLSA, retirment
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Why Corbynism is radical (and what it means for pensions)
The most tweeted action of Corbyn’s first 24 hours as Labour leader was to choose to go to a constituency engagement rather than go on the Andrew Marr show. For Labour apparatchnick schooled in two decades of Blairite PR and … Continue reading
Posted in consultant, pensions, Pensions Regulator, Politics
Tagged advice, Andrew Marr, British politicians, Chris Siers, Con Keating, corporate risk, David Pitt-Watson, dc pensions, Financial services, George Kirrin, Government, Hilary Salt, Jeremy Corbyn, John Mcdonnell, Labour, Labour leader, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Regulator, pensions, Retirement, Ros Altmann
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Measure 4 Measure (why we rate things)
A very curious article appeared on the NOW blog yesterday, I took exception to it and wrote to NOW to tell them. You can read the article here. It’s author, the excellent Martin Olive had clearly become frustrated with “rating … Continue reading
Posted in consultant, dc pensions, FCA
Tagged auto enrolment, NOW, pensionns, workplace, workplace Pensions
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Are workplace pensions “risk-free” to employers?
If you think workplace savings plans are “risk free” to employers – think again; “value for money” changes that Continue reading
Posted in advice gap, Bankers, consultant, dc pensions, Fiduciary Management, First Actuarial, pension playpen, pensions, Retail Distribution Review, Retirement
Tagged Business, Business and Economy, Canada, CDC, Colin Ripsman, corporate governance, corporate risk, dc, dc pensions, de-risking, decumulation, Defined benefit pension plan, Defined Contribution, Eckler Ltd, Employment, Financial services, Pension new, pension playpen, pensions, Plan sponsors, Retirement, retirement income, Steve Webb, workplace Pensions
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How far can guidance go?
Guidance Technology? I am interested by Guidance Technology, it is at the core of http://www.pensionplaypen.com. As we use it, Guidance Technology narrows down options available to people to a shortlist that is clearly differentiated. For an employer to choose the … Continue reading
