Category Archives: Dashboard

Eri-tation ; time to come clean on DC pensions.

Eritability Of all the time wasted talking about pension dashboards, the time wasted on “estimated retirement income” irks me most. It is not the sight of actuaries arguing over annuity and growth rates that irks me , it’s that the … Continue reading

Posted in actuaries, advice gap, CDC, Dashboard | Tagged , , , , , | 4 Comments

Bigger Pots and Bigger Pensions through Open Finance

‘Breaking Banks: A blueprint for Open Finance that puts customers first’ puts forward a series of recommendations to help create a functional Open Finance ecosystem in a post-Brexit economy. Within the report, COADEC calls for the UK government to break … Continue reading

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A breakthrough in measuring the quality of DC scheme data.

  One of the critical issues facing Government in establishing a pensions dashboard is “data readiness”. Currently it is in a relatively weak position to argue that schemes are or aren’t dashboard ready, since it has no way either to … Continue reading

Posted in advice gap, age wage, Dashboard, dc pensions, digital | Tagged , , , , , , , , | 3 Comments

Pensions are stranded off-line; this must change!

Alistair “@HelloMcQueen “McQueen has the knack of finding insights where others fail to look. Here he is showing us how our behavior has changed radically as a result of a little spikey ball that none but scientists has seen and … Continue reading

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Which comes first – the dashboard or the data?

I’m doing a call this morning with some pension strategy people , some from Fintech and some representing “old tech”. It’s a timely discussion as the Scottish National Party  limbers up to put a spoke in the wheels of an … Continue reading

Posted in advice gap, Dashboard, dc pensions, de-risking, Technology | Tagged , , , , , , , | 1 Comment

Why DC pensions should follow the science

The country has learned a new respect for data during the lockdown. Following the science has led us to a better understanding of mortality and we understand from track and trace how understanding data protects us from infection. The public … Continue reading

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DC Governance – “for the saver not the sponsor”.

The simplest way of looking at the shift from DB to DC in the UK over the past 25 years as a risk transfer from collective (underwritten by a sponsor) to individual (with no underwriting – even where there is … Continue reading

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How can pensions be giving savers VFM but not be dashboard ready?

  Outcomes for dough, portals for show! Over the weekend, I’ve been thinking about how I can judge the quality of service I receive from my pension provider. As a consumer there are a number of things I would like … Continue reading

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Opperman – pensions are for the long term

  It was good to see Guy Opperman speaking at Professional Pensions Live. This is my take on his speech and the direction of Government pension’s policy as we come out of lock-down and into the summer recess! Recently Guy  … Continue reading

Posted in advice gap, age wage, Dashboard, open pensions, Pension Freedoms, pensions | Tagged , , , , , , | 1 Comment

Support the young , we are done!

I realized , as I filled in my submission to the Pension Dashboard Programme’s call for input (you can do yours here), that for my generation, the boomers, the dashboard will arrive too late. Most of our pensions are either … Continue reading

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