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Category Archives: Retail Distribution Review
The FCA can excel; the “non-workplace pension” paper’s a model of its kind
Henry Tapper and Pension PlayPen response to FCA’s paper DP18/1 Effective competition in non-workplace pensions This is the response of Henry Tapper and the Pension PlayPen. It is not a response on behalf of any other organisation that Henry Tapper … Continue reading
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GO ROBO!
The robots are here! But not in the Terminator sense. Think, rather, of Asimov’s creations. Or, for the less nerdy, Rosie from The Jetsons: benevolent machines, doing our hard work but better, faster and more reliably. Across almost all sectors, … Continue reading
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Posted in pensions, Retail Distribution Review, risk
Tagged National Employment Savings Trust, pension, Pension new, pension playpen, pensons, robo, robo-advice
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Are workplace pensions “risk-free” to employers?
If you think workplace savings plans are “risk free” to employers – think again; “value for money” changes that Continue reading
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Posted in advice gap, Bankers, consultant, dc pensions, Fiduciary Management, First Actuarial, pension playpen, pensions, Retail Distribution Review, Retirement
Tagged Business, Business and Economy, Canada, CDC, Colin Ripsman, corporate governance, corporate risk, dc, dc pensions, de-risking, decumulation, Defined benefit pension plan, Defined Contribution, Eckler Ltd, Employment, Financial services, Pension new, pension playpen, pensions, Plan sponsors, Retirement, retirement income, Steve Webb, workplace Pensions
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Vertically integrated mastertrusts? – “my arse!”
Pardon my Scouse! I throw Mick Royle at Mercer’s master trust (and the incipient Aon Hewitt master trust). “Vertical integration” is where the supply chain of a company is owned by that company. Mercer have set up a master trust where they … Continue reading
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Posted in actuaries, advice gap, pensions, Retail Distribution Review
Tagged Aon, Commission, Consultancy Charge, Mastertrust, Mercer, RDR, Vertical integration
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Will some employers need their own IGCs?
This blog’s for any employer or adviser with an existing workplace pension scheme (GPP or Stakeholder Pension), where you chose the funds offered to your staff. I asked a question of the Pensions Regulator this week. He’d put … Continue reading
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Employers can help staff with their money – if only we’d let them
It’s time companies got their mojo back and got real with staff. Www.pensionplaypen.com helps to do just that. Continue reading
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Have you got staff approaching retirement? Check out Pick-A
You and your staff save hard through your careers, you build up a pot of money and the time comes when you want to/have to draw on your savings to pay the bills, enjoy the holidays and look after … Continue reading
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Posted in advice gap, annuity, Retail Distribution Review, Retirement
Tagged annuities, insurance companies, Retirement
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What’s this charge cap really going to cost? (1000th blog)
Ringing out the old and ringing in the new should be managed with a little more responsibility than the approach adopted by the DWP through their dodgy Impact Assessment Continue reading
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DC trustees; beware your pensioners.
I can’t speculate on why this straightforward guidance isn’t included in the DC Code. It seems to have fallen between the crack between tPR and the FCA surrounding the provision of retail advice by occupational trustees. Continue reading
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Posted in advice gap, annuity, pensions, Retail Distribution Review, Retirement
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“Stick or twist” for the lifecos.
It is hard for the insurers to twist because they think the dealer’s against them. Continue reading
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Posted in annuity, auto-enrolment, customer service, David Pitt-Watson, dc pensions, EU Solvency II, Financial Education, Henry Tapper blog, pension playpen, pensions, Personality, Popcorn Pensions, Retail Distribution Review, Retirement, social media
Tagged Aviva, BlackRock, David Pitt-Watson, House of Fraser, John, Legal & General, National Employment Savings Trust, Standard Life
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