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Category Archives: NEST
It’s a wrap trap – but who’s been caught?
If you thought you were sick of pensions, imagine the nausea of the life company CEO. If you are such a beast and reading this, you are probably are American or European and your company brought into the UK a few years back … Continue reading
Light in the lifestyle tunnel!
The way in which your DC pot magically turns from investing in shares to investing in cash and Government bonds is called lifestyle and it involves hundreds of transactions in 60+ months before you buy your pension. All of these transactions involve … Continue reading
DC Trustees – asleep at the wheel?
I was spending insomniac hours reading posts about savings on http://www.moneysavingexpert.com when I came upon a thread about the ABI 14 agreeing to disclose transactional costs from next summer. There wasn’t much on the comments board – one post stood out. … Continue reading
Posted in actuaries, corporate governance, David Pitt-Watson, dc pensions, First Actuarial, Management, NEST, pension playpen, pensions, Personal Accounts
Tagged Active management, Financial Services Authority, FSA, National Employment Savings Trust, NEST, pension, Pension fund, Terry Smith
4 Comments
NEST Insight; what the 11m+ “unpensioned” think.
NEST has produced a chunky report that “takes the temperature of automatic enrolment”. This promises to be the first of a series and as the first has five years of accumulated insights to lay before us. I thoroughly recommend it … Continue reading
Posted in auto-enrolment, corporate governance, customer service, David Pitt-Watson, First Actuarial, leadership, Liberal Democrats, napf, NEST, Payroll, pensions, Personal Accounts, Retirement
Tagged Cassandra, Employment, Financial services, Government, National Employment Savings Trust, pension, Steve Webb, Tim Jones
8 Comments
Taking meaningful investment choices off the shelf
I’m pleased to hear that NEST is planning to explain its investment plans that everyone can understand.I visited their offices last week and spoke with their chief investment officer about this. I hope that as part of this explanation , he’ll … Continue reading
Dear OFT….
I see you are looking into pensions and will be completing a “market study” by August that will focus on value for money and the size of pension pot savers end up with at retirement. I hear it will look … Continue reading
Posted in auto-enrolment, dc pensions, First Actuarial, NEST, pensions, Retirement
Tagged AMC, August, Dublin, Employment, Financial services, Office of Fair Trading, pension, Pension Regulator
18 Comments
Seven things to know about the new state pension!
These charts have been kindly donated by Citywire and their New Model Adviser team (to whom we should be very grateful). Each one of them surprised me. I dedicate this little blog to one of my heroes, Barbara Castle. If we … Continue reading
Posted in auto-enrolment, club pension, NEST, pension playpen, pensions, Retirement, steve webb
Tagged Flat rate, Government, National Insurance, pension, Pension Credit, Steve Webb, UK State Pension, White paper
5 Comments
“Comply or explain” – will “bottom up” regulation work for pensions?
“Comply or Explain” is a phrase that crept into the “corporate governance” lexicon after the 1992 Cadbury report. The idea’s that rather than demand compliance with Government standards, regulators give companies the option to comply or explain why they haven’t. … Continue reading
Posted in auto-enrolment, club pension, corporate governance, customer service, Fiduciary Management, Financial Education, napf, NEST, pension playpen, pensions, Retirement
Tagged Comply or explain, Employment, Government, Martin Lewis, National Employment Savings Trust, pension, Pension Regulator, Regulator
11 Comments
The Regulator’s right to be cautious about mastertrusts
Over the past two years we’ve seen a number of multi-employer occupational schemes spruced up for auto-enrolment. We’ve seen a number of insurers and asset managers set up as the providers of master trusts. We’ve had a few financial advisers … Continue reading
Savers put themselves first!
A happy result of dissing Michael Johnson’s attacks on pension saving early in the week was that I got a copy of his paper “Put the saver first” direct from the great man. He calls up the spirit of Ron Sandler– … Continue reading