Category Archives: NEST

Financial Planning – a minority sport.


    “Financial planning is a minority sport for the wealthy” – @henryhtapper @NESTInsight pic.twitter.com/HVS0EMlWHt — Talya Misiri (@Talya_PA) July 5, 2017 It was fun debating with Debate Mate and Tom McPhail – who is great mate! A sense of … Continue reading

Posted in NEST, pensions | Tagged , , , | Leave a comment

“Feed and skim” – how NEST want to help the low-paid save more.


Thanks to NEST and their think-tank NEST Insight for a scorching day on top of the National Theatre which yielded some real thought leadership. Delighted as I was to lock horns with some very bright students (and Tom McPhail) in … Continue reading

Posted in NEST, pensions | Tagged , , , , | 6 Comments

“Is it worth planning when the future’s so uncertain?”


Today is NEST Insight day;  it’s also TTF symposium day.  So I’ll be cycling from the City to the South Bank like Mark Cavendish (pre-crash). At the TTF event, Beccy Young and Robert Finer will be presenting the FCA Asset Management Market Study … Continue reading

Posted in NEST, pensions | Tagged , , , , | 3 Comments

NEST’s dirty laundry on the line!


  Thanks to First Actuarial for producing this chart for this blog. Here’s how to read In 2010 when NEST opened , it had no assets – it  had quite a lot of debt (£134m* from setting up days as … Continue reading

Posted in auto-enrolment, NEST, pensions | Tagged , , , , , , , , | Leave a comment

Time to dig this Government out of its hole?


Tax, national insurance and pensions policy should be put in a vault marked “toxic” and should be handled with extreme caution. This morning I have three toxic issues to prove my point. The fiasco of announcing an increase in national insurance … Continue reading

Posted in auto-enrolment, NEST, pensions | Tagged , , , , , , , , | 2 Comments

An algorithm cannot lie


  An algorithm cannot lie; it will tell you what you set it to tell you with the data you fed it. It has no choice, it is entirely deterministic;- and yet algorithms can help you lie. Let’s take a … Continue reading

Posted in NEST, Pension Freedoms, pensions | Tagged , , , , , , | Leave a comment

NOW – for something completely different.


Amid all the noise of auto-enrolment , one master trusts has put its head down and got on with mending a damaged reputation by hard work and through decent behaviour. I’m talking about NOW pensions. NOW was set up by … Continue reading

Posted in napf, NEST, now, pensions | Tagged , , , , , , , , , , , , | 8 Comments

“The best way forward or the NEST way forward?”


If you are an employer and you have made a decision, there is no liability—that is clear in the legislation. If you have decided to go with NEST rather than NOW: or People’s, there is no liability that can fall … Continue reading

Posted in accountants, auto-enrolment, NEST, now, pensions, Personal Accounts | Tagged , , , , , , , , , , , , , , | 2 Comments

The future of NEST


  NEST has called for people and organisations to comment on what it should do when the initial surge of auto-enrolment is over. We have already seen rivals to Sage suggesting it remain circumscribed to its current limited function. We … Continue reading

Posted in auto-enrolment, NEST, pensions | Tagged , , , , , , , , , , , | 7 Comments

Who’s afraid of auto-enrolment?


Despite the dire warnings – not that many UK employers New research from workplace pensions provider NOW: Pensions reveals that UK small firms are relatively relaxed about auto enrolment and the introduction of the National Living Wage with concerns focussed … Continue reading

Posted in auto-enrolment, NEST, pensions, Pensions Regulator | Tagged , , , , , , , , , , | 2 Comments