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Category Archives: Pensions Regulator
Why I’m backing the master trust assurance framework
Back in May 2014, the Pension Regulator launched on an unsuspecting world the ICAEW’s Technical Release “Assurance reporting on master trusts”. At the time I was dismissive of this document and the Master Trust Assurance Framework (MAF). Write in haste , … Continue reading
Posted in auto-enrolment, pensions, Pensions Regulator, Retirement
Tagged advice, annuity, auto enrolment, Business, DWP, Employment, FofAE, governance, ICAEW, master trust, master trusts, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Regulator, pensions, Public Sector Pensions, Retirement, TPR, workplace Pensions
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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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Helen Dean – the right person for the NEST top job.
Helen Dean’s appointment as the new CEO of NEST , seems to have been greeted with a stifled yawn by the Pensions Press. Helen has the lowest of profiles, no social media presence, hardly a speaking engagement and a declaration … Continue reading
Posted in NEST, pensions, Pensions Regulator, Personal Accounts
Tagged AE, art of pensions, auto enrolment, Business, corporate governance, dc pensions, DWP, Employment, Financial services, Helen Dean, Lesley Titcombe, Minister, National Employment Savings Trust, NEST, pension playpen, pensions, Retirement, Ros Altmann
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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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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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Let’s not get caught with our trousers down (again).
The reason we have NEST and its £400m debt to the tax-payer is that the private sector refused to commit to supporting auto-enrolment ten years ago. If the organisations like Legal & General, Standard Life and Aviva , could have … Continue reading
Posted in annuity, CDC, Pensions Regulator
Tagged ABI, Actuarial science, annuity, auto enrolment, Business, CDC, collective drawdown, dc pensions, decumulation, Drawdown, Employment, Financial services, financial services industry, Government, IA, Mick Mcateer, NAPF, National Employment Savings Trust, NEST, Pension new, pension playpen, pensions, Retirement, Steve Webb, Target Pensions
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The cost of auto-enrolment
Charlotte Clark – one of the architects of auto-enrolment and now head of private pensions in the DPW – is an economist. She is familiar with cost having worked in a corresponding position in the Treasury and it was … Continue reading
A tax on pensions, no one saw coming.
The single state pension , coming to a pensioner near you , from April 2016 is supposed to be simple. It will operate under the same rules for everyone. But that doesn’t mean that everyone will get the same pension (as … Continue reading
Posted in pensions, Pensions Regulator, Ros Altmann
Tagged cuts, defined benefit, DWP, GMP, Indexation, National Insurance, pensins, Tax
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Two thirds of SMEs are pension virgins.
New research is out on the purchasing intentions of the remaining 1.2m employers who aren’t “in” to auto-enrolment. Of the SMEs surveyed who are yet to stage, two thirds (66%) don’t have any existing pension arrangements for their staff while … Continue reading
Posted in accountants, advice gap, auto-enrolment, DWP, Payroll, Pension Freedoms, pension playpen, pensions, Pensions Regulator
Tagged accountants, advice, annuity, auto enrolment, Business, choice, Defined benefit pension plan, DWP, Employment, Guidance, pension, Pension new, pension playpen, Pension Regulator, pensions, Retirement, Steve Webb, The Pension Regulator, TPR
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