Category Archives: pension playpen
What employers can do to get their members better pensions
Yesterday I had a chance to talk with a large employer about what they can do to help improve the outcomes of their DC plans. Influencing employees to get the best out of their pension savings means getting them to … Continue reading
Posted in Payroll, Pension Freedoms, pension playpen, pensions, Pensions Regulator, Popcorn Pensions
Tagged Actuarial science, advice, annuity, auto enrolment, Business, Business and Economy, choice, corporate governance, corporate risk, dc, dc pensions, Financial services, Good governance, governance, Greg Broomer, investment decisions, Johnson Fleming, National Employment Savings Trust, pension, Pension new, pension playpen, pensions, Retirement, Steve Webb
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A new pension deal
A NEW PENSIONS DEAL – NOT A NEW KIND OF ISA There is only one thing that distinguishes a pension plan from an ISA plan and that is liquidity. By “liquidity”, I mean the ease with which the plan holder can … Continue reading
Posted in pension playpen, pensions, Pensions Regulator
Tagged Actuarial science, auto enrolment, Business and Economy, Financial services, George Osborne, Government, HMRC, Michael Johnson, National Employment Savings Trust, new deal, Pension Plan, pension plans, Pension taxation, pensions, Tax, Treasury
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When the dust settles…
For the second time in two years, George Osborne has produced a budget that will radically change the way we thing about retirement saving. If 2014 was the year we re-thought the way we spent our retirement spending, 2015 asks … Continue reading
Posted in auto-enrolment, Payroll, Pension Freedoms, pension playpen, Public sector pensions
Tagged advice, annuity, auto enrolment, Business, corporate governance, dc pensions, Financial services, George Osborne, Government, Michael Johnson, pension, Pension new, pension playpen, pensions, redistribution, Retirement, retirement income, retirement saving, retirement savings, SIPPS, state pension, Tax, tax incentives, The Treasury, Treasury, Triple-Lock
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The lady’s not for turning.
For reasons that weren’t particularly obvious , a random group crammed into a much too small committee room in the House of Lords on Wednesday night for a round table with the new pensions minister. It was a hot day that … Continue reading
Posted in pension playpen, pensions, Pensions Regulator, Personality, Politics
Tagged auto enrolment, Business, dc pensions, Employment, Financial services, Financial Services Authority, Government, House of Lords, National Employment Savings Trust, pension playpen, Pension Regulator, pensions, Retirement, Ros Altmann, Society
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GARs – a simpler way out for insurers…
This blog offers insurers a simple way out of the problem they have with Guaranteed Annuity Rates- it means paying the reserved for value of the policy rather than the (lower) investment value of the contributions. By way of explanation.. … Continue reading
Posted in annuity, EU Solvency II, investment, London, Pension Freedoms, pension playpen, pensions, Pensions Regulator
Tagged advice, Annuity Rates, defined benefit, Equitable Life Assurance Society, Equity, Guaranteed Annuity Rates, Ros Altmann, Royal London, The Equitable, Transfer values
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MoneyHub – financial education’s future?
I met yesterday with Toby Hughes, CEO of MoneyHub, one of the very few people in financial services who I could properly call visionary. Like most visionaries, his big idea is very simple. He and his CTO Dave Toge talked … Continue reading
If NEST’s web services are “free” – who’s picking up the tab?
Employers who choose NEST will be able to onboard directly from payroll assuming payroll holds the information NEST needs to set-up. As with most things NEST do , the announcement this week that they have created a suite of … Continue reading
Posted in NEST, Payroll, pension playpen, pensions, trustee
Tagged auto-enrolmnent, choices, choices taskforce, NEST, PAPDIS, pension playpen, Pensions Bib, Ros Altmann, The Pension Regulator, TPR, workplace pensins
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Telling tales or tipping off?
There is a fine line between campaigning journalism and incompetent meddling. Those whose jobs it is to stamp on malfeasance see the campaigners not as crusaders but as a menace. Those who campaign see those in authority not as allies but … Continue reading
Posted in Pension Freedoms, pension playpen, Pensions Regulator, Ros Altmann
Tagged Actionfraud, blogging, DWP, Fraud, National Employment Savings Trust, pension, pension liberation fraud, Pension new, Pension Regulator, PensionPlaypen, pensions, Politics, Retirement, The Pension Regulator, tipping off, TPR
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The forgotten victims of commission
While the arguments about the abolition of commission for auto-enrolment pensions (from April 2016) are clear-cut, the fate of policies which aren’t used for auto-enrolment – isn’t. This is particularly the case for commission based occupational pension schemes. This week, … Continue reading