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Category Archives: NEST
Using your pension as a bank account.
Those “waking up to money” or to headlines in selected media (ahem!) will be gasping over their croissants at the headline. Is this a further raft of legislation ? You’ll be pleased to hear it isn’t! It is in fact … Continue reading
Posted in accountants, actuaries, advice gap, auto-enrolment, dc pensions, NEST, pensions, Retirement
Tagged annuity, Bank account, Business, dc pensions, Defined benefit pension plan, DWP, Employment, Financial Services Authority, Osborne, parliament, Payroll, pension, Pension Bill, Pension new, pension playpen, Pension Poverty, Pension.Bank, Pensioner Payroll
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The Pension Industry cannot serve two masters
Pensions are at a crossroads. For 30 years they have been travelling in the direction of the financial services and we could continue that direction of travel. We could turn left and go Dutch or turn right and adopt the American … Continue reading
Posted in auto-enrolment, dc pensions, NEST, pensions, Retirement
Tagged Auden, CDC, Denmark, Dutch, Founder, governance, IGC, pensions, regulation, Regulator, trustee, US, Watershed
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Young People and Pensions
This is a blog by Vivi Friedgut of @blackbullion; she is also responsible for the picture and its contents! Pensions don’t make for the most thrilling conversations. Like verrucas, funerals or the dream you had last night, talking about … Continue reading
Posted in advice gap, annuity, corporate governance, dc pensions, NEST, pension playpen, pensions
Tagged Blackbullion, Business, dc pensions, England, Human Resources, Pension Poverty, pensions, recession, Saving, unemployment, Vivi, Young People
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One million employers buying pensions in the dark.
I am comfortable with the interventions by Government in the sales side of workplace pensions. The DWP’s minimum standards legislation is progressing well and we look forward to seeing some secondary legislation in September. The Treasury’s work transforming the choices … Continue reading
Posted in accountants, auto-enrolment, DWP, NEST, now, Payroll, pension playpen, pensions, Start ups
Tagged PensionPlaypen, pensions, Policy, Politics, Pot, Pot-follow-member, The Open, The Pensions Regulator
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Good pensions need good bosses!
. My friend Steve Bee has produced a marvellous cartoon this morning. The need to save between 15 and 20% of lifetime earnings hasn’t changed. The numbers being crunched to come up with the 17.5% recommended lifetime contribution rate should … Continue reading
A buyers guide to auto-enrolment software
Some initial thoughts Auto-enrolment software exists to automate the processes your company needs to establish to stage and maintain auto-enrolment. For most employers it is another payroll headache (along with RTI) that needs a purchased solution. Normally companies purchase on … Continue reading
Posted in accountants, advice gap, annuity, auto-enrolment, middleware, NEST, now, Payroll, pension playpen, pensions, Retirement
Tagged auto enrolment, auto-enrolement, Business, Employment, MIddleware, NEST, NOW, Payroll, pension, Pension new, Pension Regulator, pensions
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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
How I want my hard-saved earnings – thoughts on a walk!
Not many people fantasize about the letter they will get from their workplace pension provider when they get to the point they can start spending their hard- saved earnings. As I made my way around Studland Bay, Old Harry … Continue reading
Posted in advice gap, annuity, Bankers, Blogging, CDC, dc pensions, defined aspiration, FCA, Financial Conduct Authority, NEST, pension playpen, pensions
Tagged advice, dc pensions, Defined benefit pension plan, DWP, Employment, Government, Guidance, pension, pension playpen, Pension Protection Fund, pensions, Retirement, Steve Webb
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21st Century Retirement Income Update
Well here I am in a Village hotel under the M1 seven miles south of Leeds to chair a day long conference on the opportunities for financial advisers from George Osborne’s Budget Changes (the photo is the lovely view … Continue reading
Posted in corporate governance, First Actuarial, NEST, pensions
Tagged advice, advisers, Budget, Budget 2014, Business, DWP, financial advisers, Financial services, George Osborne, Government, Guidance, Guidance Guarantee, IFA, National Employment Savings Trust, pension, pension playpen, Treasury
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“Nest’s auto-enrolment -innit!” – “no it ain’t!”
Auto-enrolment and NEST are synonymous to many. Hugh Pym, the BBC’s chief economic correspondent told me he thought you could only auto-enrol into NEST and the mistake was repeated by Rachel Burden this morning on auto-enrolment. Rachel told the listeners … Continue reading
Posted in advice gap, dc pensions, de-risking, NEST, Payroll
Tagged Business, Business and Economy, corporate governance, dc pensions, Government, NEST, pension playpen, pensions, social media
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