Tag Archives: advice

A DC investor writes….

  Once in a blue moon I get a mail from someone who is clearly an expert in pensions  but  modest enough to recognise she/he struggles with their own money!  I feel in awe of such people! I got a … Continue reading

Posted in pensions | Tagged , , , , , , , , , , | 1 Comment

Where are our retirement savings?

Thanks to Fundscape for sharing  this  graphic which seeks to lay out what we have in investments  (some of which may become our retirement savings – or even a pension). My title refers to  “Retirement Savings”, though Fundscape are talking … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , | Leave a comment

TISA’s plans for low paid AE opt outs are a disgrace

About a year ago the Tax Incentivised Savings Association (Tisa) asked its members to vote for a name change to The Investing and Saving Alliance. This meant it kept the Tisa acronym even though the underlying name changed. TISA hopes it … Continue reading

Posted in pensions | Tagged , , , , , , , | 3 Comments

Pension Self Help

We live at a time of self empowerment. If we don’t know how to do something we learn, searching for answers from the web. We’ve learned how to do things from You tube, understand things from Wiki and with a … Continue reading

Posted in pensions | Tagged , , , , , , | Leave a comment

“That’s an interesting choice”

“That’s an interesting choice” is a statement that interests me a lot. It is an entirely satisfactory response to a test we have just started with the FCA in which we allow people to compare pension pots by way of … Continue reading

Posted in actuaries, advice gap, age wage, pensions | Tagged , , , , , , , , , | Leave a comment

Should the tax-payer subsidise the cost of vertically integrated advice?

  The cost of pensions tax-relief is likely to be a burning issue in the months ahead. The tax-payer is supposed to incentivise good behavior. Pre-funding retirement income leads to self-sufficiency and independence on younger generations in later life. That’s … Continue reading

Posted in advice gap, age wage, dc pensions, pensions | Tagged , , , , | 1 Comment

Transferring pots is a matter for the FCA and not MAPS

BREAKING: Stephen Timms, the work & pensions select committee chair, is to push for DB schemes to be able to pause transfers to reduce the risk of savers being hit by scams. Mr Timms plans to table an ammendment to … Continue reading

Posted in advice gap, pensions | Tagged , , , , , | 1 Comment

The pension must go on

As we all work in our individual way from our individual workplaces, it’s hard to see the big picture – we see plenty of trees but not the wood. Pensions are not about us but about the people who get … Continue reading

Posted in advice gap, age wage, auto-enrolment, dc pensions, de-risking, Liability Driven Investment, Pension Freedoms, pensions | Tagged , , , , , , , | Leave a comment

Furloughing financial advice?

This blog has been furloughed

Posted in advice gap, age wage, pensions | Tagged , , , , , | 7 Comments

People approaching retirement face ‘financial emergency’ – Billy Burrows

Billy is a national treasure – this is the text of an article that first appeared in Money Marketing There is clearly a national state of emergency, but there is also a financial emergency for those approaching retirement with a … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , , , | 1 Comment