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Category Archives: workplace pensions
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 Derek Benstead, DWP, FABI, Frank Field, knee jerk, Nut, ppf, Sledgehammer
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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 Aegon, auto enrolment, DWP, Ian Pittaway, MAF, master trust, Pension Protection Fund, ppf, Sackers
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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
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 annuity, At REtirement, auto enrolment, Business, Defined benefit pension plan, DWP, Employment, Financial services, pension, Pension new, pension playpen, Pension Poverty, Pension Regulator, pensions, Politics, Retirement, social media
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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
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 Business, corporate governance, corporate risk, dc, dc pensions, Defined Contribution, DWP, Employment, Financial services, Financial Services Authority, Government, Indpendent Trustees, professional pensions, Richard Butcher, trustees, workplace Pensions
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“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 annuities, Business, Business and Economy, CDC, collective, DC Defined Contributions, Defined benefit pension plan, Drawdown, DWP, Employment, Financial services, flexible drawdown, Flumps, Government, Human Resources, Insurance, NEST, pension, Pension Regulator, pensions, Retirement
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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 API, auto enrolment, hitler, hitler auto-enrolment, pensions, RTI, STP
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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 annuity, Business, Business and Economy, corporate governance, DWP, GMB, Guidance, Guidance Framework, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Regulator, pensions, Politics, Retirement, unions
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Standard Life comes up trumps
Four years ago I sat in a crowded room in the DWP’s offices, to hear insurer after insurer refuse to commit to providing a service to small and medium sized companies, let alone the micro employers of which there are … Continue reading
Posted in advice gap, dc pensions, pension playpen, pensions, Retirement, workplace pensions
Tagged annuity, auto-enrolement, Business, Business and Economy, corporate governance, corporate risk, dc pensions, Defined benefit pension plan, Human Resources, Life annuity, Payroll, pension, pension playpen, Pension Poverty, Pension Regulator, pensions, Retirement, Steve Webb
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