Category Archives: workplace pensions

Snap elections – people – and policy! #GE17


Snapping people The cost of a snap general election will be highest for the politicians, their advisers  and their families who lose their livelihoods on June 8th. It is tough on MPs, especially those who joined since the 5 year term … Continue reading

Posted in dc pensions, pensions, Pensions Regulator, Popcorn Pensions, Public sector pensions, workplace pensions | Tagged , , , , , , , , , , | 3 Comments

Of nuclear deterrents, sledgehammers and nuts – (DWP Select on DB)


The 90 page report on the state of our defined benefit pension schemes is published this morning. From first to last it is the work of Frank Field, it begins with BHS and ends with BHS, the confrontation with Philip … Continue reading

Posted in defined ambition, DWP, pensions, Pensions Regulator, workplace pensions | Tagged , , , , , , , | Leave a comment

How we sort the master trust problem


  I sat next to someone at a meeting yesterday whose demeanour, ideas and the articulation of those ideas, was so impressive that I was at times scared to open my mouth. I felt in the presence of greatness. I’ve … Continue reading

Posted in pensions, Retirement, workplace pensions | Tagged , , , , , , , , | 4 Comments

Is NEST best?


Back-slapping all round NEST launched its third Insight into the state of the UK auto-enrolment project yesterday. This was a land grab for AE glory. At the front of the pack was Joanne Segars whose NAPF hosted the event. Hopefully … Continue reading

Posted in NEST, pension playpen, pensions, twitter, workplace pensions | Tagged , , , , , , , , , , , , | 3 Comments

Separation


Can employers nudge staff into drawdown products? Should there be a degree of separation? If so – how can separation be achieved? Continue reading

Posted in pension playpen, pensions, Pensions Regulator, Retirement, workplace pensions | Tagged , , , , , , , , , , , , , , , , | 2 Comments

A miserable device; – guest blog from Ralph Frank


Members who cease paying into defined contribution pension arrangements often pay higher management charges than their colleagues who continue to add to their savings. This two-tier charging approach is euphemistically referred to as the ‘Active Member Discount’ (“AMD”). I guess … Continue reading

Posted in advice gap, steve webb, workplace pensions | Tagged , , , , , , , , , , , , , , | Leave a comment

So what’s the point of the DC trustee?


  It’s the first rule of trusteeship- if you can’t measure it – don’t trust it. It’s the right of anyone who has their own pension pot to know how much they are paying for the management of their money. … Continue reading

Posted in dc pensions, pensions, Treasury, workplace pensions | Tagged , , , , , , , , , , , , , , , | 1 Comment

“My pension offer” – explaining CDC to a confused public!


John Ralfe has been expressing his frustration that none of the CDC champions have made him a two page offer to tell him what a CDC pension offer might look like. I’ve not done this yet, partly because I’ve been … Continue reading

Posted in advice gap, auto-enrolment, CDC, pensions, with-profits, workplace pensions | Tagged , , , , , , , , , , , , , , , , , , , , | 1 Comment

It was auto-enrolment that did for Hitler?


I’m not a big video man – who wants to spend 3 minutes of your working  day watching with the sound off – good news with this one is that it’s got sub-titles! The other good bit is that it … Continue reading

Posted in accountants, actuaries, advice gap, auto-enrolment, Payroll, pensions, workplace pensions | Tagged , , , , , , | Leave a comment

A great way to deliver the Guidance Guarantee (for the right employer)


Josh Collins   In recent weeks, I’ve been taking the temperature of the pension trustees of large employers and found that enthusiasm for providing guidance to employees at retirement is limited. This is understandable. Do trustees want to become surrogate … Continue reading

Posted in advice gap, Blogging, dc pensions, pensions, Personality, workplace pensions | Tagged , , , , , , , , , , , , , , , , | Leave a comment