Tag Archives: advice

If the deal is good – why not shout about it? Guest Blog From Ralph Frank

Posted on September 9, 2015 by henry tapper

Pension savers in the UK benefit, and have done so for some time, from tax relief on their contributions.  This perk has been a key driver in incentivising these savers to defer a portion of their earnings for later in … Continue reading →

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What exactly is a pension dashboard?

Posted on September 8, 2015 by henry tapper

At yesterday’s session of the DWP select committee there was consensus that a pensions dashboard is a good idea. Curry: Pensions dashboard has worked internationally & the technology exists for it to happen. — Josephine Cumbo (@JosephineCumbo) September 7, 2015 Fritz: … Continue reading →

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Don’t be daunted – it’s not hard (or expensive) to choose the best workplace pension for your staff

Posted on August 30, 2015 by henry tapper

If you are a boss, or act for a boss as an accountant, financial adviser or payroll manager, you may be getting worried about auto-enrolment. You’ve probably had your little brown envelope from the Pension Regulator telling you that you … Continue reading →

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Pot follows member – over a cliff?

Posted on August 27, 2015 by henry tapper

There’s a great saying in racing “I’d follow that horse over a cliff”. It’s a morbid comment on most gambler’s instinct to chase losses for sentimental rather than economic reasons. When conviction sets in, then rationality is the loser and … Continue reading →

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The tricky job of enrolling the self-employed into pensions

Posted on August 24, 2015 by henry tapper

The estimate from the Citizen’s Advice Bureau that some 460,000 extra workers are currently missing out on auto-enrolment because employers deem them independently self-employed seems reasonable. When employers conduct a workforce assessment, they generally do so with a cut of … Continue reading →

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Mobilising millions – training employers on AE.

Posted on August 20, 2015 by henry tapper

Who is going to mobilise the millions of bosses still to stage auto-enrolment? There are not 1.3m but 1.8m employers in the UK who will need to stage auto-enrolment.Of these , all but around 65,000, more than 1,790,000 employers have … Continue reading →

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The ground moving under us.

Posted on August 19, 2015 by henry tapper

What I like about August is that it gives you a little space. Nothing much gets done because at least one decision maker is away and we’re all waiting for September. The French just forget about working in August. Because … Continue reading →

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Financial advisors need better retirement products

Posted on August 17, 2015 by henry tapper

Better products that deliver what they say I had the pleasure of Chris Radford’s company over the weekend. Chris is a consultant to pension providers , a regular at our Pension lunches and someone who thinks about the way ordinary people … Continue reading →

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Is increasing complexity making pension saving harder ? – guest blog by Ralph Frank.

Posted on August 12, 2015 by henry tapper

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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Addiction

Posted on August 12, 2015 by henry tapper

Addiction is not a word that resonates positively. But we had a discussion yesterday centred on getting people addicted to properly managing their money, in which the word seemed entirely appropriate. People get addicted to courses of action resulting from a … Continue reading →

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