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Category Archives: dc pensions
“Accelerators” How a student wants to embed “pensions” in Britain’s start-ups
I’ve written before about Josh Collins, a student who’s managed to get a first in mechanical engineering without sitting his A levels (it’s hard to do exams when you are homeless from 16-18.) Josh sent me his thoughts on how … Continue reading
Second mover advantage – UK can trump US 401(k)
Here’s an analysis of what’s going on in yankee-doodle-land, especially with their workplace pensions. Once again I’m grateful to Per Andalus for the prompt Commentators often point to the US 401K and IRA markets as models for the UK … Continue reading
Posted in advice gap, auto-enrolment, dc pensions, pension playpen, pensions
Tagged 401k, CDC, Employment, Financial services, IRA, pension, pensions, Steve Webb, US
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Why Face to Face Guidance may be impossible.
I didn’t know what to expect from the Life Planning Association, whose meeting I attended on Wednesday as a guest of Wladek Koch. What I got was an insight that makes sense of why I believe Face to Face … Continue reading
The Queens Speech; the sausage sandwich game – for pensions!
The Pensions Reforms in the Queens Speech had been broadly flagged in the Sunday Telegraph and subsequently. Nonetheless, the inclusion of Defined Ambition Pensions (aka CDC) (aka Target Pensions) is still a major surprise and will further stretch the UK … Continue reading
Ten mistakes CDC cannot repeat.
CDC (Target Pensions Plans) look likely to happen If, as now seems likely, we get the easements in a Pensions Bill to run collective DC schemes then the pressure will turn on those (like me) who have lobbied for change– … Continue reading
Posted in advice gap, auto-enrolment, David Pitt-Watson, dc pensions, pension playpen, pensions
Tagged Actuarial science, corporate governance, corporate risk, dc pensions, Financial services, Government, National Employment Savings Trust, pension, Pension Regulator, pensions, Politics, Steve Webb
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“I’m pretty sure my client has a pension issue..”
This is as close as I can get to a verbatim conversation I had on the phone with the head of a small practice of accountants yesterday-it is edited to concentrate on the core issue she had – what … Continue reading
Advisory mastertrusts? – Nein Danke!
There are now over 70 master trusts in the UK. Everyone agrees that most are and will remain sub-scale. This is a concern to a risk-based Pensions Regulator and to others keen to restore public confidence in pensions. The … Continue reading
A great way to deliver the Guidance Guarantee (for the right employer)
Josh Collins In recent weeks, I’ve been taking the temperature of the pension trustees of large employers and found that enthusiasm for providing guidance to employees at retirement is limited. This is understandable. Do trustees want to become surrogate … Continue reading
Posted in advice gap, Blogging, dc pensions, pensions, Personality, workplace pensions
Tagged annuity, Business, Business and Economy, corporate governance, DWP, GMB, Guidance, Guidance Framework, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Regulator, pensions, Politics, Retirement, unions
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Towards common data standards for auto-enrolment
The Chartered Institute for Payroll and Pension Professionals and their “Friends of AE” stitched me up with writing up the output of a working group comprising a lot of old’uns and a couple of delightful “young’uns”. Here, for the general enlightenment of others and the … Continue reading
Posted in advice gap, corporate governance, dc pensions, Payroll, pension playpen, pensions
Tagged Business, CIPP, corporate governance, Data, DWP, Financial services, NEST, Payroll, pension, pension playpen, Pension Regulator, pensions, QWPS, standards
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Is this Master Trust Assurance Framework fit for purpose?
There is an important debate to be had on the regulation of master trusts. That debate is about how we prevent poor standards invading what is currently a very well run part of workplace pensions. Until the past two weeks, I … Continue reading
Posted in dc pensions, de-risking, DWP, governance, pension playpen, pensions, Treasury
Tagged Business, DWP, Employment, ICAEW, National Employment Savings Trust, pension, pensions, Retirement, The Pensions Regulator
73 Comments