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Category Archives: Retirement
An alternative to the dystopia of “pension de-risking”
One interesting thing about this episode is that we have seen the Pension Regulator’s preferred view ahead of the final legislation itself. Their usual defense of ”It’s the law that Parliament decided, and we are only implementing … Continue reading
Posted in actuaries, advice gap, de-risking, pensions, Retirement
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A different approach to pension scheme solvency and funding.
Solvency and Funding This is the second of our blogs answering questions which arose from our original essay written in response to the proposed DB Funding Code. It covers issues of solvency and funding. Solvency estimation involves the comparison of … Continue reading
Posted in advice gap, de-risking, economics, pensions, Retirement
Tagged Bond, Clacher, Equitability, Keating, Mark to Market, pensions, solvency prudence
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Does not discussing salaries, only benefit employers?
Having kicked the traces with corporate reward strategies, I now operate a company where everybody knows the wages of the company. For good reason I am AgeWage’s lowest paid employee and I’m proud that we are able to talk about … Continue reading
“The way we were” – DWP AE Evaluation
In normal times, the publication of a major Government review of auto-enrolment would be newsworthy. Apart from a series of mentions by Jo Cumbo, I have seen no publicity for it – from the DWP or their press office or … Continue reading
Posted in age wage, DWP, pensions, Pensions Regulator, Retirement
Tagged AE, auto enrolment, DWP, pensions, TPR, workplace Pensions
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Powers during wartime- tPR and funding.
Jo Cumbo has written a fine piece in the FT’s Pension Expert . She is sympathetic to the Pension Regulator’s current dilemma and supportive of its position over deficit holidays. To be exact, Jo is supporting the balanced position … Continue reading
Posted in advice gap, age wage, pensions, Pensions Regulator, Retirement
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“Financial strength” – customers will be the judge.
One of the most important functions of pension providers is to ensure that service levels are maintained through the current crisis. It is a severe test, this time the consequences of failure are not theoretical, if service levels fall … Continue reading
Posted in advice gap, age wage, open pensions, pension playpen, pensions, Retirement
Tagged AKG, financial strength, pension, pensions, Provider, TCF, treating customers fairly
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Royal London IGC report – a welcome shift in focus
Royal London are (as usual), the first IGC to report. They have been kind and sent me the Chair’s Statement which saves me searching. But it’s easy to track down here The IGC has delivered a really interesting read which … Continue reading
Posted in IGC, pensions, Retirement
Tagged ESG, FCA, IGC, pensions, Peter Dorward, Plan, Responsible Investment, Royal London
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Right in principle – wrong in practice. Ros Altmann’s tax reforms need more work
Ros Altmann is bang on the money when proposing we link healthcare and pensions in her most recent blog The big picture policy issue for the UK is how to afford a healthcare system that is free at the … Continue reading
Posted in advice gap, age wage, pensions, Retirement
Tagged AA, HMRC, LTA, net-pay, pensions, Ros Altmann, Tax
2 Comments
Whitbread – you must pay up on the Government’s pension promise
This blog calls on Whitbread to pay the incentive outstanding to many of their staff before the sale of Costa to Coca Cola. If Whitbread refuses to do so, the Pensions Regulator should block the sale. If Whitbread wants to … Continue reading
Posted in auto-enrolment, Blogging, napf, Payroll, pensions, PLSA, Politics, Retirement, Ros Altmann
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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