Tag Archives: adviser

What is CDC?

Posted on April 2, 2018 by

  I’ve had a couple of calls recently for a simple explanation of what CDC is and why it could be useful in Britain today. CDC is an abbreviation for Collective Defined Contribution. A CDC scheme is created by contributions … Continue reading →

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A note on transfer values and “reverse transfer risk”.

Posted on March 30, 2017 by

James Greer of Old Mutual is reminding financial advisors that there’s a risk of advising clients to stay put and not take a DB Transfer Value. Our data suggests that only about 15% of transfer values applied for are taken … Continue reading →

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Why we have actively managed funds

Posted on January 24, 2017 by

The FCA’s Asset Market Study is written with certain corrective bias’ and it should not be taken as the last word on the active/passive debate. A central focus is on the allocation of savings, particularly long-term retirement savings, to active … Continue reading →

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Advisers turn the key to the FCA’s fund governance condundrum.

Posted on December 2, 2016 by

One of the recent themes of this blog is  “What rights we have over “our money”. John Kay’s book – “other people’s money” argues that the money held on account by asset managers should always be considered as held in trust … Continue reading →

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“PENTECH” slashes the cost of pension advice

Posted on March 29, 2016 by

Over the weekend I heard a mortgage broker talk about automated mortgage underwriting as “mortech” and as Investec grabbed the technology high ground some years ago, I’m going to lay claim to “PENTECH” for www.pensionplaypen.com. I’m proud that what was … Continue reading →

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Robo-up or get left behind

Posted on June 11, 2015 by

Robo advisors seem to get all the press but they’re just one fish within the digital ocean that financial advisors should be swimming in. Every advisor should do a comprehensive review of their business and determine how they can improve … Continue reading →

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Time for payroll to take on pension management?

Posted on March 16, 2015 by

When I look into my crystal ball, I see three changes to the way that pensions are going to be managed within companies going forward. The old high maintenance approach will fall away as pension providers streamline their processes and … Continue reading →

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Pension transfers – are they worth it?

Posted on February 28, 2015 by

Britain is in great need of advice on transfers between one pension and another. This doesn’t just mean transfers from defined benefit schemes to defined contribution schemes, it means support in transferring pot to pot transfers for DC arrangements. Unless … Continue reading →

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