Category Archives: pensions

“Deliver me a world without work”!

Posted on December 18, 2018 by

In almost every conversation I have had about the purpose of a pension dashboard, up comes the word “engagement”. Engagement has become the horse to the savings cart, “you can’t expect people to save more unless you’ve engaged them with … Continue reading →

Posted in advice gap, age wage, Dashboard, pensions | Tagged , , , , , , , , | 1 Comment

Time for a re-think on drawdown practice? – Clive Waller

Posted on December 17, 2018 by

  This article by Clive Waller is great because it comes from a good heart. Many advisers reading it will not find it good at all, it calls into question the sustainability of their business model. Many of their customers, who probably … Continue reading →

Posted in advice gap, pensions | Tagged , , , | 3 Comments

The price of being sick in the head

Posted on December 16, 2018 by

  “Sick in the head”? The phrase doesn’t quite work for Tina – a 38 year old Mum who suffered from post-natal depression and then found her life and critical illness insurances 30% more expensive than if she hadn’t declared … Continue reading →

Posted in advice gap, annuity, pensions | Tagged , , , , , , , | 1 Comment

Finding our pensions

Posted on December 15, 2018 by

  In a vigorous debate at DWP HQ, two quite different approaches to finding pensions emerged. This blog helps people to understand what the debate is about and why it matters to everyone. It matters because there is some £20bn. … Continue reading →

Posted in Dashboard, pensions | Tagged , , , , , , | 1 Comment

Assistance, guidance and equipment for the future – that’s what we all need!

Posted on December 14, 2018 by

I am off to Westminster this morning to meet the new boss of the Single Finance Guidance Body. We’re not going to be talking dashboards – he’s in dashboard purdah till the consultation’s over. My agenda is AGE – Assist-Guide-Equip. … Continue reading →

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The hidden costs of charges are pants!

Posted on December 13, 2018 by

Yesterday’s Moneybox with Lesley Curwen was a cracker. It brought together the voices of a number of investors together with the views of Michelle Cracknell, Chris Sier and Gina Miller. All were clear and interesting But the best contribution came … Continue reading →

Posted in auto-enrolment, corporate governance, pensions, pot | Tagged , , , , , , | 4 Comments

The People of the Abyss

Posted on December 12, 2018 by

I went to Sherborne yesterday on a steam train.   I decided to spend the long journey home reading the People of the Abyss by Jack London – an account of London’s time with “vagrants” in London at the turn … Continue reading →

Posted in pensions | 2 Comments

Auto-enrolled through L&G/Ease – read this.

Posted on December 11, 2018 by

This blog is written for employers and advisers who have used or assisted with the ITM eAsE link to L&G’s workplace savings Plan. You are where you are – here is some context and some thoughts on your position] For … Continue reading →

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The fight for proper dashboards is just beginning.

Posted on December 10, 2018 by

  The collective intake of breath that greeted the eventual publication of the Government’s feasibility study and consultation paper was palpable. Now – a week on – perhaps we can stop congratulating each other and get on with delivering a … Continue reading →

Posted in Dashboard, pensions | Tagged , , , | 1 Comment

Why do people take pension choices that make them sad?

Posted on December 9, 2018 by

I’ve been reading a short report by Demos for Legal and General. L&G provide annuities and want to understand  the fall in the numbers of annuities purchased. The retirement riddle is that the choices people are taken since the pension … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , | 6 Comments