I was told by the Pensions Service, that if I divorced my husband before I retired, I would get a…
Success in applying the rules set out in law is not reliant on loopholes (I prefer educated projections of future…
I think a lot of people are holding on for worse news! I agree with you that the market now…
[…] better social capital can come from Government but is better that it comes from Britain’s largest and most patient…
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Tag Archives: advice
Money in auto-enrolment? – the jury’s out!
This morning and regularly over the next few weeks, I will be speaking at Money Marketing Auto-Enrolment invitational events around Britain. These are the slides that I will be using Advisers and auto enrolment from Henry Tapper It’s odd … Continue reading
Posted in auto-enrolment
Tagged advice, auto enrolment, Business, Business and Economy, corporate governance, DWP, Employment, Financial services, Financial Services Authority, Guidance, Guidance Framework, IFA, Insurance, pension, Pension new, pension playpen, pensions, Retirement, Steve Webb
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Why it’s harder to get knowledge than information
Digital Guidance supports people taking tough decisions but it cannot take those decisions for them. Even when a decision is taken not to do something – like not to choose an investment strategy or pay voluntary contributions, people feel … Continue reading
Posted in pensions
Tagged advice, choices, Citizens Advice Bureau, decisions, financial education, Guidance
2 Comments
Independence just got that little bit more valuable.
Standard Life have announced that they are setting up a salesforce offering restricted advice . Apparently it demonstrates the insurer’s commitment to the advisory sector. I suspect it is a recognition that the experiment providing mass market independent advice is all but … Continue reading
Posted in pensions
Tagged advice, Business, dc pensions, Financial services, Government, Guidance, Guidance Framework, IFA, Independent, Positive Solutions, SBG, Standard Life
1 Comment
“what should tell the staff?” Pension PlayPen Lunch today!
Every first business Monday of the month, the Pension Play Pen Linked In group meet in the Partners Room of the Counting House in Cornhill to discuss pressing issues of the day. True to form, we meet today (Monday … Continue reading
Posted in pensions
Tagged advice, Business, Business and Economy, corporate governance, Employment, financial education, Financial services, Guidance, Mark Scantlebury, pension, Pension Freedoms, Pension new, pension playpen, Pension Wise, pensions, Politics, Retirement, Steve Webb, workplace
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How low can guidance go?
The FCA have published an important document that sets out to define where guidance ends and advice begins. Thankfully , it’s one you can read without feeling guilty that you aren’t going to answer 150 consultation questions! The FCA has … Continue reading
Posted in advice gap, FCA, pension playpen, pensions, Pensions Regulator
Tagged advice, Decision Tree, digital, DWP, FCA, Financial Conduct Authority, financial education, Guidance, Guidance Guarantee, Pension Wise
3 Comments
How competitive is our private pension system?
We are three months away from the launch of the new pension freedoms and not much is happening. There ain’t nothing shaking but the leaves on the trees! NEST has issued a lengthy consultation on what it should … Continue reading
Posted in pensions
Tagged advice, art of pensions, bank accounts, Business, CDC, competition, corporate governance, corporate risk, dc pensions, Defined benefit pension plan, DWP, Employment, FCA, Fidelity, Freedoms, Government, Guidance, Insurance, Insurers, L&G, Laura Perks- Art, National Employment Savings Trust, NEST, pendragon, Pension Freedoms, Pension new, pensions, Retirement, simon freeman, Standard Life, Steve Webb, TPAS, Treasury, trees, Zurich
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When all else fails – keep on working!
Jeroen Wilbronk is a really good bloke, but I always end up disagreeing with him. He’s one of these smart-arse markets people who has an answer for everytyhing! I’ve known him a few years and have always envied his sunny … Continue reading
Posted in pensions
Tagged Actuary, advice, corporate governance, corporate risk, crash, customer service, deiversification, Forex, Investment, IPad, Jeroen Wilbronk, Markets, Strategy, Switzerland
2 Comments
How can this be?
A school friend of mine, came to see me yesterday with some paperwork. He had been reviewing his financial affairs. Like me , he is 53 and had been excited by talk of the new Pension Freedoms. The problem His … Continue reading
A tax on a tax
Yesterday I wrote about the various Government interventions that employers in the UK have had to cope with. My point was that the employer is increasingly being used as the unpaid agent of the welfare state. Auto-enrolment is one case … Continue reading
If all you had was all you have – how long could you last? Guest blog from VIVI
When I am invited to speak with young entrepreneurs on behalf of Blackbullion I always ask them how long they could last on their savings. It really does take twice as long and cost twice as much as expected to … Continue reading
Posted in auto-enrolment
Tagged advice, ageing, Black Bullion, entrepreneu.start-up, Vivi
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Great. A chance to nit-pick something from Steve Webb. The Married Woman’s Option finished in 1977, not 1978. SERPS was…