Category Archives: pensions

“Savings incentives” – what’s your idea?

A friend DMs me after reading my log commenting on the proposals put forward by John Ralfe and Tom McPhail in the Times If you want the answer on pensions tax (1) get your objective clear, and if you have … Continue reading

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Regulator fines Regulator

Robin Ellison has too refined a mind and too fine a writing style, for his thoughts to be left languishing on Linked in. Not since the days of John Quarrell has there been such a dissenting voice, speaking against  the  … Continue reading

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John V Tom; my verdict on pension tax relief proposals.

Independently, John Ralfe and Tom McPhail have written in the Times with their ideas about tax relief. The John Ralfe  proposal. (link embedded) John would like all pension contributions whether  made directly by the employer or as a deductable from … Continue reading

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FCA’s stick is out, let’s see some carrot!

What’s happening at the FCA In January, the FCA have published a series of letters making it clear where its focus will be in a new “post Brexit” decade. The timing is important as the FCA is not only facing … Continue reading

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Why do people persist with multiple pension pots?

One in 3 over 55s with a private pensions have more than one pension pot but this group are the least likely to consider consolidating multiple pensions, according to new research. Older savers aged 55 and above were more likely to … Continue reading

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The problem we have taking the big financial decisions

This article appeared in Financial Planning magazine     A survey of 2,000 ‘Generation X’ individuals – those aged 39-54 – has revealed that 84% make key financial decisions alone or with their partner. Nearly half (44%) do not consult … Continue reading

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Open pensions; – the opportunity …and the threat.

Darren Philp’s a passionate guy and you should read his piece in Professional Pensions on how we should allow the Pension Dashboard to be part of the open finance initiative. He even has a Mary Poppins moment Apps and aggregators, … Continue reading

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Retirement’s also about debt

If you look at the Trustee board for StepChange, Britain’s largest charity dealing with the impact of debt, you will see three people familiar to the pension community Sue Lewis (right) – now a trustee of People’s Pension and formerly … Continue reading

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Looking at it Robin Powell’s way

I’ve long admired the journalist Robin Powell for his clear insights. Lately he’s taken to writing little stories to illustrate the points he is making. He has written a series of pieces , the rest of which you can find … Continue reading

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“What do people want?” – a question for IGCs

  The saddest statement I heard last year was from an adviser who told a room “we have given up reporting on outcomes, outcomes always disappoint”. It is not just IFA’s who don’t like to report on the outcomes of … Continue reading

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