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Tag Archives: Actuarial science
When can you call a trustee “independent”?
It is quite easy to be an independent trustee. You need no qualifications, you need no expertise , the capabilities you need are negative. you must not be a member of the scheme you cannot be connected with the sponsor you … Continue reading
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Posted in pensions
Tagged Actuarial science, advice, auto enrolment, Business, corporate governance, corporate risk, dc pensions, DWP, Financial services, IFA, Independent trustee, National Employment Savings Trust, pension, Pension new, pension playpen, pensions, trustee, workplace pension
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Making the most of the £20bn small employers spend on DB – Guest blog from Hilary Salt
A simple shift in communications could ensure the £20bn employers spend on DB each year isn’t wasted Over the last decade we’ve seen the long march of defined benefit (DB) pension schemes from the sunny beaches of open schemes run by … Continue reading
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Posted in pensions, Pensions Regulator
Tagged Actuarial science, Actuary, advice, £20bn, Business, corporate governance, corporate risk, de-risking, defined benefit, DWP, Employment, Financial services, first actuarial, Government, member benefits, members, National Employment Savings Trust, pension, pension playpen, pensions, small schemes
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Is increasing complexity making pension saving harder ? – guest blog by Ralph Frank.
The most conclusive finding of a recent survey by PwC into pensions taxation was not even related to the respondents’ views on the central question of the survey (namely, the most appealing tax scenario for their pension)! Sixty percent of … Continue reading
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Posted in pensions
Tagged Actuarial science, advice, ageing, complexity, corporate risk, dc pensions, de-risking, Government, knor, PWC, Retail Distribution Review, Saving, Treasury
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Bringing down the cost of advice #FAMR
The Financial Advice Market Review asks whether Britain can bridge the advice gap for those people who “want to work hard, do the right thing and get on in life but do not have significant wealth”, strip out the political … Continue reading
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Posted in advice gap, pensions
Tagged Actuarial science, ad valorem, advice, advisers, annuity, Business, Commission, cos of advice, DWP, FCA, Fees, financial advice, Financial Services Authority, Financial Technology, FinTech, HM Treasury, Pension Poverty, Pension Regulator, pensions, regulation, Retirement, robo-advice, Technology, The Treasury
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What employers can do to get their members better pensions
Yesterday I had a chance to talk with a large employer about what they can do to help improve the outcomes of their DC plans. Influencing employees to get the best out of their pension savings means getting them to … Continue reading
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Posted in Payroll, Pension Freedoms, pension playpen, pensions, Pensions Regulator, Popcorn Pensions
Tagged Actuarial science, advice, annuity, auto enrolment, Business, Business and Economy, choice, corporate governance, corporate risk, dc, dc pensions, Financial services, Good governance, governance, Greg Broomer, investment decisions, Johnson Fleming, National Employment Savings Trust, pension, Pension new, pension playpen, pensions, Retirement, Steve Webb
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“We all defer together?” – Guest Blog from Ralph Frank
The recently announced consultation on pensions tax relief has stirred up thought and debate on the issue of incentivising long-term saving. There are theoretical, commercial and practical aspects to be addressed in this process of defining an approach to pensions … Continue reading
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The transfer mess gets worse…
It’s been some weeks since I wrote about transfers. To recap, I have been predicting a seizure in the transfer market , resulting from high demand, low-advisory capacity and pipes blocked with regulatory effluent. So it doesn’t come as a … Continue reading
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Posted in Treasury, trustee
Tagged Actuarial science, advice, annuity, auto enrolment, Business, corporate governance, Financial Services Authority, London, Pension Poverty, Pension Protection Fund, Pension Regulator, pension transfers, pensions, Politics, public sector, Public Sector Pensions, Retirement
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Pension’s day of reckoning draws nigh!
April 6th 2016 should be a date with a red circle round it on any pension’s office calendar. It’s the day when contracting-out officially comes to an end- “cessates” – is no more. It is also the date when the … Continue reading
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Posted in pensions
Tagged Actuarial science, Actuary, ageing, auto enrolment, contracting-out, customer service, dc pensions, Defined benefit pension plan, GMP
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A new pension deal
A NEW PENSIONS DEAL – NOT A NEW KIND OF ISA There is only one thing that distinguishes a pension plan from an ISA plan and that is liquidity. By “liquidity”, I mean the ease with which the plan holder can … Continue reading
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Posted in pension playpen, pensions, Pensions Regulator
Tagged Actuarial science, auto enrolment, Business and Economy, Financial services, George Osborne, Government, HMRC, Michael Johnson, National Employment Savings Trust, new deal, Pension Plan, pension plans, Pension taxation, pensions, Tax, Treasury
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Supply-side woes , buy-side goes; the disappearing pension billions
It’s not hard to spend a billion, not if you’re a nation that knows how to spend but finds it hard to save. As Osborne found, a generation of planning can be unwound in a minute. Were the tax rules … Continue reading
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Posted in pensions
Tagged Actuarial science, annuity, auto enrolment, Business, CDC, DWP, Freedoms, Pension Freedoms, pension playpen, pensions, Retirement, Ros Altmann, Steve Webb, TPAS
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