Category Archives: pensions

The normal cost of pensions remains the same.


The debate about the “fairness” of offering some people “gold-plated” defined benefit schemes and others no more than the auto-enrolment minimum is familiar to everyone in the UK. Sometimes, it’s useful to look at the same debate from a different … Continue reading

Posted in advice gap, Facebook, pensions | 5 Comments

The “wonder” of wealth


As Dr Chris Sier entered the Corinthia Hotel on Wednesday, en route to a cup of tea with the AgeWage management team, he noticed a gentleman handing over his Bentley keys  to the doorman, with a fifty pound note as a tip . … Continue reading

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I will be a Tapper-Tubby no longer!


  On Wednesday last week, my 86 year old Mum went into hospital and got herself a new knee. So she can keep walking another 86 years! I congratulate her- she is a hero! She has made me face up … Continue reading

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Stop scamming – by giving people better choice.


I’m a fan of Government intervening to stop scamming. It’s good that the FT on.ft.com/2P1VT5c  and BBC are reporting “SCAMSMART” the FCA’s new initiative to stop scamming. But this intervention has to be accompanied by positive action from the private sector. People … Continue reading

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The problem with platforms (is that everyone loves them).


Platforms are a relatively new but significant and growing distribution channel. The platform service provider market has doubled since 2013 from £250bn to £500bnassets under administration (AUA). This growth in AUA has been driven by rising markets and increasing levels … Continue reading

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DWP’s silence on dashboards helps nobody.


We are now in Mid- August. “Summer’s lease has all too short a date”, the promised announcement on the “feasibility” of the pension dashboard looks like slipping to the autumn. Meanwhile over 100,000 people each quarter reach 55 , a … Continue reading

Posted in customer service, Dashboard, pensions | 2 Comments

What do we do with pension good news?


. Despite taking on pension schemes from employers including Carillion, Toys R Us and Hoover, with deficits totalling £1.2 billion – the highest total value to date, the PPF’s funding position has strengthened. The PPF has reported a continued growth … Continue reading

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“All based on FE” – 120 seconds of Ralfey trip-hop


John Ralfe is a very clever man. He is a Financial Economist. What he says and does is “all based on FE”. His brain is so big and his beard so perfectly cut that he has spawned a RalfeBot. RalfeBot is his … Continue reading

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Mr N – a corrupted system and natural justice


Putting things right with the lawyers I’m pleased to see that efforts are being made to meet Mr N’s legal fees , working out how to get restitution to the Northumberland Police’s pension scheme. Though he was successful in getting … Continue reading

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Why funds should be free!


My friend Robin Powell has produced a series of disruptive info graphics around comments he’s garnered following Fidelity’s announcement of “free funds”. He’s also written a good blog on the subject. Of course “free funds” is a disruptive idea and … Continue reading

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