Category Archives: dc pensions

Dashboard? – we’re dash-less and bored!

Posted on August 30, 2019 by

  The title was my summation of a discussion of dashboard progress over the past four years. We’d been talking about what the general public want and had landed on precisely the model illustrated at the top of the blog. … Continue reading →

Posted in age wage, Bankers, customer service, Dashboard, dc pensions, pensions | Tagged , , , , , | 4 Comments

NEST, technology and personalisation

Posted on August 18, 2019 by

I really admire this Rowlands chap. I’ve know him for the best part of 30 years and in all that time he has never been anything but a gent. He’s now a Director at NEST and I urge you to … Continue reading →

Posted in advice gap, age wage, dc pensions, DWP, FCA, Financial Education, NEST, pensions | Tagged , , , , , | Leave a comment

Convince or collapse – the options for small DB schemes in the next decade.

Posted on August 13, 2019 by

    We stand on the cusp of the third decade of the 21st century. That decade is likely to see small DB schemes collapse into consolidators or stand firm with renewed conviction. I wonder if I will still be … Continue reading →

Posted in CDC, dc pensions, de-risking, defined ambition, defined aspiration, pensions | Tagged , , , , , | 2 Comments

Do we have to wait for the car crash, before we mend the road? CP19/25

Posted on July 31, 2019 by

Around £12bn worth of DB pension pots could have been subjected to poor transfer advice, based on these FCA figures. This is over one year alone. pic.twitter.com/eUPWu8UoL0 — Josephine Cumbo (@JosephineCumbo) July 30, 2019 It is now too late to … Continue reading →

Posted in advice gap, age wage, BSPS, dc pensions, de-risking, pensions | Tagged , , | 4 Comments

The curfew tolls the knell of small DC

Posted on February 6, 2019 by

I was a bit churlish in yesterday’s blog to the DWP who – on re-reading – have produced an excellent paper outlining the advantages of incorporating social purpose into the DC funds we default to. I urge you to read … Continue reading →

Posted in advice gap, dc pensions, DWP, pensions | Tagged , , , , , , | 1 Comment

A controversial consultation on pensions dashboards

Posted on January 18, 2019 by

  We are midst-consultation on pension dashboards and there’s public enthusiasm for the project There’s industry consensus that the Single Financial Guidance Body (SFGB) will incubate its dashboard in a controlled environment and that commercial dashboards will follow. But proposals … Continue reading →

Posted in advice gap, dc pensions, pensions | Leave a comment

UK – OK! Disclosure battle won – now let’s win the peace.

Posted on December 5, 2018 by

The PPI have produced a really excellent paper “Charges, returns and transparency in DC – what can we learn from other countries?” The report, sponsored by Which? explores UK charges for pension schemes against those in the US, Australia, the … Continue reading →

Posted in advice gap, Dashboard, dc pensions, pensions | Tagged , , , , , | Leave a comment

Open pensions – not closed meetings!

Posted on December 2, 2018 by

  In advance of an expected announcement on the pensions dashboard on Monday, Frank Field has published a letter to Guy Opperman and his Work and Pensions Select Committee and  has published the findings  of a round table with the “pension … Continue reading →

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More fun and games in the crazy world of pension transfers

Posted on November 10, 2018 by

It didn’t take long for the ripples from the Lloyds Bank GMP equalisation ruling  to reach the crazy land of pension transfers.  Within a few days of the Judge Morgan’s verdict we hear that thousands of people are having their pension transfers delayed … Continue reading →

Posted in dc pensions, de-risking, pensions | Tagged , , | 1 Comment

The human cost of marking our pensions to the market

Posted on October 1, 2018 by

  The debate at the CSFI mid week between Norma Cohen and John Ralfe on one side and Jon Spain and Dennis Leech on the other – seems to have focussed on the economics of pensions. I’d like to widen … Continue reading →

Posted in dc pensions, pensions, Pensions Regulator, Popcorn Pensions, workplace pensions | Tagged , , , , , , , | 1 Comment