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Category Archives: happiness
Triple lock? – easy!
With a deft tweet , former Pensions Minister Steve Webb wakes us up to a startling economic revelation. Doesn’t seem long since we were reading doom-laden warnings about the National Insurance Fund ‘running out of money’ in a few years. … Continue reading
Posted in actuaries, happiness, pensions
Tagged GAD, Happiness, Martin Clarke, state pension, Trevor Llanwarne, Triple-Lock
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Isn’t this what millennials really want in the workplace? @locktoninfo
Although Pension PlayPen and First Actuarial do our work for employers and trustees, we rely on our partner- Lockton – to do the heavy lifting on workplace benefits. Here’s the first of two articles on what they’re research tells them … Continue reading
Posted in advice gap, Financial Education, governance, happiness, pensions
3 Comments
Strange ideas – Con Keating debunks pension’s received wisdom
A number of extremely strange beliefs have emerged in the course of correspondence arising from earlier articles that introduced methods for the evaluation of pension liabilities which do not invoke any external factor. Take the idea of using market prices … Continue reading
Posted in accountants, actuaries, happiness, pensions
Tagged Accrual, Con Keating, FABI, first actuarial, Mercer, pension retulator, pensions, PPF7800
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Magic beans and “negative capability”
Negative capability describes the capacity of human beings to transcend and revise their contexts. If we dismiss it as “magic beans” we are committed to repeating the mistakes of the past – and- as we all know – that way is madness. Continue reading
Posted in Change, corporate governance, drawdown, Financial Education, happiness, Pension Freedoms
Tagged Business, CDC, corporate governance, David Pitt-Watson, dc pensions, Financial services, Government, Hari Mann, John Ralfe, Kevin Wesbroom, madness, magic beans, mistakes, Negative capability, pension, Pension new, pension playpen, pensions, progress, repeating mistakes, Retirement, Steve Webb
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Any questions on the Guidance Guarantee?
This blog is about a conversation I had with the Pension Advisory Service. Following it I promised to feed back questions to TPAS about the Guidance Guarantee. The blog contains questions I want asking , some background on TPAS and … Continue reading
Posted in advice gap, Guidance, happiness, Retirement
Tagged Business, Drawdown, Financial services, Guidance, Guidance Guarantee, long term care, Longevity, Michelle Crackneell, pension, Pension new, pension playpen, pensions, Risk, Tax, TPAS
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If we can provide health screening – we can provide pension guidance
Organising the Guidance Guarantee is a daunting task but it is no more daunting than many public welfare initiatives. Each year the NHS screens and advises millions of us on a variety of health issues. From STDs to Breast … Continue reading
Posted in advice gap, happiness, Henry Tapper blog, Management, pensions
Tagged Age UK, Business, CAB, Financial services, Guidance, Guidance Guarantee, MAS, National Employment Savings Trust, pension, Pension new, TPAS
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Governance not glumervance
I am for good DC governance but I am not for DC glumervance. Glumervance is “glum governance” as preached by the puritan new model trustee. This is how on trustee firm explained the new measures for savers in the DWP Command Paper “the … Continue reading
Posted in advice gap, happiness, pensions
Tagged Employment, Financial services, Glumervance, pension, Pension new, pension playpen, pensions, Professional Trustees, Retirement, Steve Webb, trust, trustees
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Are workplace pensions all the same?
I don’t believe that the majority of the workplace pension providers in the market today are ready to give up on innovation,competition and reputation. Continue reading
Posted in happiness, Henry Tapper blog, pensions, steve webb
Tagged Aviva, Business, Business and Economy, Employment, Government, Life annuity, pension, Pension Regulator, Steve Webb
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A race to the top?
We will not get this problem sorted out in a meeting room in the DWP, though the DWP can clear the decks and allow us to operate with a clean sheet of paper. Continue reading
Ten sexy stats that drive pension firms wild!
But if you think your workforce special, you’ll want to get a whole of market quote. You wouldn’t insure your business assets or your liabilities any other way. Continue reading
Posted in advice gap, auto-enrolment, dc pensions, happiness, pensions
Tagged Aviva, BlackRock, Friends Life, Insurance, pension, Scottish Widows, Standard Life, UK State Pension
6 Comments
