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Category Archives: welfare
Treasury flies a pension kite on a stormy weekend
For as long as I’ve been advising on pensions, the weeks running up to the budget have been filled with rumours of draconian reductions in the subsidies available to the rich to featherbed their retirement. This FT story has the … Continue reading
Posted in age wage, pensions, Politics, Treasury, welfare
Tagged pensions, Sajid Javid, tax relief, Treasury
3 Comments
The incoherence of UUK’s attitude towards risk – Mike Otsuka
Low risk is intolerable when shared by 350 institutions but high risk is fine when borne by workers individually USS’s current troubles, and UUK’s proposed solution, reflect an incoherent attitude toward risk on the part of our employers. Their responsibility … Continue reading
Posted in pensions, USS, Value for Money, welfare
Tagged Mike Otsuka, pensions, Risk, USS, UUK
10 Comments
I’m nearly 55 – here’s what I’m doing for myself!
In this blog, I want to share with you my DIY approach to organising my finances as I approach 55. 55 has become an important year as it is the point when you move into what can best be called … Continue reading
Posted in pensions, Retirement, reward, welfare
Tagged HMRC, LTA, Michelle McGrade, pension, Permanent Protection, planning, protection, Retirement, Scheme, TPAS
5 Comments
Auto-enrolment limits – what the DWP aren’t saying!
The DWP’s paper on the Earnings Trigger and Qualifying Earnings Bands(QEB) for auto-enrolment next year is very well written and gives an insight into just how much thought is going into managing the conflicting needs of employers, workers, administrators and…HMRC. … Continue reading
Posted in accountants, auto-enrolment, Payroll, pension playpen, pensions, Pensions Regulator, Treasury, welfare, Workie
Tagged auto enrolment, DWP, HMRC, net-pay, pensions, PLSA, relief at source, salary sacrifice, Tax, tax relief, Treasury
2 Comments
The tricky job of enrolling the self-employed into pensions
The estimate from the Citizen’s Advice Bureau that some 460,000 extra workers are currently missing out on auto-enrolment because employers deem them independently self-employed seems reasonable. When employers conduct a workforce assessment, they generally do so with a cut of … Continue reading
Simplifying AE – why the workforce assessment IS worth it
The Government is calling for ideas to simplify auto-enrolment. I had an interesting discussion with a senior payroll policy lobbyist yesterday. She argues that the “workforce assessment” is too problematic to become part of the normal payroll function of Britain’s … Continue reading
Posted in accountants, advice gap, auto-enrolment, DWP, pensions, Pensions Regulator, risk, Ros Altmann, welfare
Tagged auto enrolment, baby, bathwater, BPT, DWP, HMRC, micro-micro, Micros, pensions, simplification, SME, The Pensions Regulator, TPR, workforce assessment
1 Comment
Aren’t pensions worth a mention in this election?
Why has there been so little comment this election campaign on pensions? When the rabbit came out of the hat in #Budget2014, many thought the freedom of pensions was the Conservatives great “retail offer”. Has Steve Webb diluted its political … Continue reading
BRITAIN’S BIGGEST TABOOS: 20 MILLION PEOPLE STRESSED ABOUT FINANCES, YET TALKING ABOUT MONEY REMAINS OFF LIMITS
I don’t normally do press releases on here, I will make an exception here. People are embarrassed about money – when it’s their money they are talking about. The taboos about debt, wealth and financial planning are real and we need … Continue reading
Posted in pension playpen, pensions, Retirement, welfare, with-profits
Tagged Business, debt, Employment, Financial services, Investing, Investment, L&G, Legal & General, pension, Pension new, pensions, Retirement, taboos
2 Comments
Steve Webb – a new model politician?
Let me declare an interest, I am a Liberal, born into a Liberal family in a part of the world where Liberalism is the natural opposition to conservatism. Steve Webb is from that part of the world, his … Continue reading
A tale of two Cities
Have you ever turned up at a place and realised you shouldn’t be there – but stayed anyway just to see what it was like? That’s what happened to me yesterday. I went to an event about … Continue reading
Posted in Bankers, Blogging, London, Treasury, welfare
Tagged Bankers, Banking, Boris Johnson, Business, City of London, Employment, England, Eversheds, London, Mark Boleat, Poverty, Will Hutton
1 Comment
