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Category Archives: Personal Accounts
“The best way forward or the NEST way forward?”
If you are an employer and you have made a decision, there is no liability—that is clear in the legislation. If you have decided to go with NEST rather than NOW: or People’s, there is no liability that can fall … Continue reading
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Posted in accountants, auto-enrolment, NEST, now, pensions, Personal Accounts
Tagged Aviva, dc pensions, DWP, Government, Legal and General, NEST, NOW, pension, Pension new, pension playpen, pensions, People's Pension, Richard Harrington, Standard Life, workplace Pensions
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Pot follows member – over a cliff?
There’s a great saying in racing “I’d follow that horse over a cliff”. It’s a morbid comment on most gambler’s instinct to chase losses for sentimental rather than economic reasons. When conviction sets in, then rationality is the loser and … Continue reading
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Posted in pensions, Pensions Regulator, Personal Accounts, Popcorn Pensions
Tagged advice, annuity, auto enrolment, Ben Cocks, big-fat-pot, DWP, Employment, insurance companies, insurance company, Pension Freedoms, Pension new, pension playpen, pensions, Politics, Pot, Pot follows member, Retirement, Steve Webb
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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
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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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Is the game up for active fund management?
The Department for Communities and Local Government announced yesterday that £85bn of actively managed assets could be transferred to passive management and that the fund of fund structures could be collapsed into a collective investment vehicles. This is very significant … Continue reading
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Time to be clear on what’s a good workplace pension.
We are losing sight of what the charges consultation is about. It is about improving pension outcomes. Continue reading
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Posted in advice gap, auto-enrolment, David Pitt-Watson, dc pensions, leadership, Payroll, pensions, Personal Accounts, stock lending
Tagged Business, charges, Consultation, costs, custody, DWP, Employment, Financial services, Government, National Employment Savings Trust, novarca, pension
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No smugness – NEST’s British
Ultimately, if NEST fails, auto-enrolment fails and if AE fails we have lost, for a generation, the opportunity to genuinely reform Britain’s long-term savings behaviour Continue reading
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Posted in NEST, pension playpen, pensions, Personal Accounts
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A method to chose your workplace pension scheme.
I’d value your feedback on a scoring system we are developing which aims to provide employers with a method of rating one pension proposition against another. We want it used by employers looking to establish a new workplace scheme, and those who … Continue reading
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Give a straight red to active member discounts
What are active member discounts (AMDs) and what’s so wrong with them? Continue reading
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Posted in auto-enrolment, brand, dc pensions, Fiduciary Management, pensions, Personal Accounts, Popcorn Pensions
Tagged AMC, Aviva, Friends Life, GPP, House of Fraser, pension, Pension Regulator, Scheme
19 Comments
Johnson v Keating ; a pensions heavyweight title fight
There are two documents sitting on my desktop this morning. The first is a paper by Con Keating. Con believes that the best way of providing pensions is collectively through large organisations who are able to offer and keep future … Continue reading
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Posted in actuaries, auto-enrolment, David Pitt-Watson, dc pensions, de-risking, defined aspiration, pension playpen, pensions, Personal Accounts, Personality
Tagged £9 billion, Centre for Policy Studies, Employment, Office for Budget Responsibility, pension, Pound sterling, public sector, White paper
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DC Trustees – asleep at the wheel?
I was spending insomniac hours reading posts about savings on http://www.moneysavingexpert.com when I came upon a thread about the ABI 14 agreeing to disclose transactional costs from next summer. There wasn’t much on the comments board – one post stood out. … Continue reading
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Posted in actuaries, corporate governance, David Pitt-Watson, dc pensions, First Actuarial, Management, NEST, pension playpen, pensions, Personal Accounts
Tagged Active management, Financial Services Authority, FSA, National Employment Savings Trust, NEST, pension, Pension fund, Terry Smith
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