Tag Archives: AE

Will “DC deficits” become a thing of the past?

Posted on October 11, 2018 by

News of HMRC’s “change of position” with regards the “net-pay- anomaly” is welcome, and long overdue. It came in the form of a letter sent in response to a request from respected journalist Jo Cumbo of the FT. Govt to … Continue reading →

Posted in advice gap, annuity, auto-enrolment, pension playpen, pensions | Tagged , , , , , , | 2 Comments

Play “Stick or twist” in the workplace pension lottery!

Posted on October 5, 2018 by

  If you changed jobs, would you prefer to stick with your current workplace pension or join your new employer’s scheme (leaving a little pot behind you)? It’s a tough choice, and the more you think about it, the tougher … Continue reading →

Posted in auto-enrolment, pensions | Tagged , , , , , , , , | 3 Comments

Auto-enrolment; a national exercise in trust.

Posted on September 21, 2018 by

I like to tease Jo Cumbo that she can trust no-one because of her heritage! This blatantly xenophobic comment is based on a British prejudice that Australians find compulsion acceptable as compliance is in the blood. A second prejudice, that … Continue reading →

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“Making workplace pensions work” – the Pension Regulator’s new approach

Posted on September 18, 2018 by

I’ve been on the Pensions Regulator’s stakeholder panel a couple of years and this gets me a ticket to their Annual Conference. I haven’t bought the new vision in previous years, but yesterday’s event, held in County Hall, pushed the … Continue reading →

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AE – a day of reckoning to come?

Posted on September 11, 2018 by

More of us are saving, but we aren’t saving any more. The democratisation of pension saving – arising from auto-enrolment is a great thing – everyone can dare to dream of stopping work under their own power. But there is … Continue reading →

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AE Pots must follow workers (Hargreaves Lansdown’s right)

Posted on June 17, 2018 by

I have just read a policy paper in my hand from Hargreaves Lansdown;  “Putting Individuals at the Heart of the Pension System”. After some pretty dire submissions to the Work and Pensions Committee on CDC, I hadn’t thought to agree with … Continue reading →

Posted in auto-enrolment, pensions | Tagged , , , , , , , , , , | 3 Comments

Why job – splitters can get shafted on pensions.

Posted on June 6, 2018 by

I was woken early in the morning to the sound of Robert Cochran, the familiar voice of Scottish Widows pensions team. Scottish Widows have done some research that £90m a year is being saved by employers/lost to employees as a result of … Continue reading →

Posted in auto-enrolment, pensions | Tagged , , , , , , | 6 Comments

Pensioning employee’s sleep ( with thanks to Kate Upcraft)

Posted on May 19, 2018 by

Not for the first time, I’m very grateful to Kate Upcraft for highlighting a pensions issue that impacts thousands of carers – but appears to be completely off the radar of most pension people. Kate is a freelance payroll consultant … Continue reading →

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Life’s a beach for the BlackRock IGC

Posted on April 12, 2018 by

It’s a sure fine of things to come when an IGC report is promoted by a stock photo. This couple appear on most of the IGC reports I have read, I suspect they were scammed out of their pension and … Continue reading →

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

Taking one for transparency!

Posted on March 9, 2018 by

My colleagues at First Actuarial will hate me for it – but I accepted an award from Mr Transparency – Andy Agethangelou, at the Transparency Task Force’s Auto-Enrolment event yesterday afternoon. The point was that 30 people got together with … Continue reading →

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