Category Archives: workplace pensions
Your life for sale – what a liquid annuity market could mean.
Why people like me get cross with him is that he is dangling carrots and waving sticks but the donkey is locked in the stable. To get the animal moving, Steve Webb or his successor is going to have to open the stable door. Continue reading
The quality of savings is constrained
Apologies to the bard – my point is this; the act of saving is laudable but its impact is variable. Saving is not always a good thing and as a spending choice has to compete with debt repayment and … Continue reading
How much certainty do we need?
Only in the public sector is the security of totally guaranteed income a genuine prospect, the rest of us seem happy to compromise Continue reading
The trusted word
This is the model for what we are doing with Pension PlayPen, an attempt to harness the energy and credibility of a linked in group, the probity of an actuarial practice and the needs of advisers, employers and regulators to see through a great endeavour, the wholesale adoption of funded workplace pensions into our business culture.
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Posted in actuaries, advice gap, Consolation, First Actuarial, Linkedin, mallowstreet, poetry, Retirement, welfare, workplace pensions
Tagged Business, Financial services, Government, Linked in, pensions, social media, twitter, YouTube
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Another year older..
I am not a year older – I am two years younger than I was five years ago – at least I’m two years further from retirement (relatively speaking). Continue reading
Why HMRC is right on peer to peer lending (and Polonius got what he deserved)
Dan Hyde writes in the Telegraph that HMRC are considering allowing peer group lending as a legitimate investment for an ISA. Peer Group lending is the Betfair of debt. You lend your money through a portal such as ZOPA who … Continue reading
Posted in actuaries, advice gap, pensions, wonga, workplace pensions, zopa
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You want a workplace pension for your staff? – delighted to help!
Mrs HR Dee Smallco Ltd. Sunny Uplands GB Dear Mrs Dee, Thanks for your enquiry. I can see you are sold on the idea of offering a workplace pension for your staff. You know you have to anyway, but I … Continue reading
Posted in advice gap, auto-enrolment, Liability Driven Investment, mallowstreet, Management, NEST, pension playpen, pensions, workplace pensions
Tagged Actuarial science, Business, Clarence, Employment, Financial services, Government, Investment, Investment management, Life annuity, NEST, pension, Pension Protection Fund, pensions, Playpen, Retirement
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“Turning the amber light green”; – creating a buzz around #auto-enrolment.
We should not minimise the impact of the employer duties, they are onerous and will be disruptive. But we must put them in the context of the greater good. Continue reading
The politics of pensions – how the landscape has changed since 2010.
Let us hope that the head of steam that has been built up since 2010 can be maintained.
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Play “FANTASY AUTO-ENROLMENT” and help 1m employers through staging
I don’t know who you are or why you’re reading this. I’m grateful you are though! Every day about 450 people get a blog from me, login to http://www.pensionplaypen or follow a link from twitter, linkedin or Facebook to what … Continue reading