here’s what you’ve been saying
Stuart Fowler on Keating on Ralfe, CDC and… Bob Compton on Keating on Ralfe, CDC and… Stephen Glover on Death by 10 million pots… Mark Meldon on “Legacy” is a dirt… henry tapper on “Legacy” is a dirt… Mark Meldon on “Legacy” is a dirt… Con Keating on Keating on Ralfe, CDC and… Simon Freeman on “Legacy” is a dirt… Stuart Fowler on Keating on Ralfe, CDC and… Bob Ward on Death by 10 million pots… Adrian Boulding on How GDPR helps us make sense o… DC on Will a “Transfer Value C… alan chaplin on Will a “Transfer Value C… Adrian Boulding on Will a “Transfer Value C… David V on So what’s unfair about a…
Category Archives: de-risking
There’s nothing democratic about genocide. FCA should stop “contingent charging” today.
The FCA have published two papers on transfers A policy paper CP 18/6 “Improving the quality of pension transfer advice and A consultation paper CP 18/7 “advising on pension transfers”. The upshot of which is that The FCA has gone back to … Continue reading
Posted in BSPS, de-risking, Henry Tapper blog, pensions
Tagged CETV, CP18/6, CP18/7, FCA, Genocide, pensions
3 Comments
What is CDC and does it matter?
Collective Defined Contribution Schemes (CDC) are back in the news. There are two reasons for this The Workplace and Pensions Committee have set up an enquiry into CDC Royal Mail and the CWU intend to move to a CDC basis … Continue reading
Posted in CDC, dc pensions, de-risking, defined ambition, pensions
Tagged CDC, dc, Defined Ambition, pensions, risk sharing
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TATA GPP – an investable option for BSPS members with a CETV.
I’ve received the following note from Aviva with regards the TATA group personal pension which has replaced BSPS as the corporately sponsored pension arrangement going forward. Thanks for your note below re the query you have received from a BSPS … Continue reading
Posted in advice gap, de-risking, pensions, social media
Tagged Aviva, BSPS, CETV, GPP, tata
15 Comments
Pension Advice; it’s all about getting paid.
I have read and listened to a lot about professional integrity. Having been an IFA and being now a fee-based consultant, I know that the first thought you go to bed with (and wake up with) is “how am I going to get … Continue reading
Posted in BSPS, dc pensions, de-risking, pensions
4 Comments
Finger in the dyke stuff! DC pricing is just too leaky Jon!
Jonathan Stapleton has written a deliberatively provocative piece in Professional Pensions which will be applauded by the operators of workplace pensions but is going to get short shrift from me. You can read Jonathan’s opinions here. The gist of Jonathan’s … Continue reading
Posted in auto-enrolment, dc pensions, de-risking, Debt, NEST, now, pensions
Tagged dyke, jonathan Stapleton, NEST, NOW Pensions, operators, pensions
2 Comments
DB pension heading for the PPF? – Read this!
Here are some things you didn’t know about the Pension Protection Fund (PPF). If you are in a pension scheme heading in that direction you should read this! While most people think it would be an unmitigated disaster to see … Continue reading
Posted in de-risking, pensions, workplace pensions
Tagged BHS, BSPS, ppf, tata, TPR, workplace
4 Comments
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
4 Comments
Secondary annuities- more questions than answers
I’ve been asked for my views on secondary annuities. I asked myself would I trade my annuity. Of course, I wouldn’t, I wouldn’t buy one. I wouldn’t sell my state pension, I wouldn’t sell my rights to my defined … Continue reading
Posted in annuity, dc pensions, de-risking, pensions
Tagged annuity, Buing, Business, Cash, Financial services, Paul Lewis, pension, pensions, Retirement, secondary annuity, selling
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Paying for other people’s pensions
I’ve said it before on this blog, but I’ll say it again. The amount of Council Tax many people pay to fund other people’s pensions exceeds their own contributions into pensions, even when they’ve been auto-enrolled into “workie”. “You … Continue reading
Posted in de-risking, Financial Education, governance, infrastucture, investment, leadership, pensions
Tagged auto enrolment, Centre for Policy Studies, change, CPS, LGPS, Michael Johnson, pensions
3 Comments
Facing up to mental health
This article’s by our friends at Lockton. It’s on an important subject that impacts us all! I’m really pleased they’ve asked me to put it on this blog. It doesn’t surprise me that Nigel Wilson is pioneering work on this. Like … Continue reading
Posted in corporate governance, customer service, de-risking
Tagged GSK, Legal&General, Lockton, mental health, Nigel Wilson, OECD, Royal Mail
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