Tag Archives: AMC
Commission – an unwanted risk.
Remaining in denial only defers and increases risk. Continue reading
Posted in advice gap, pensions
Tagged AMC, Consultant, DWP, Government, GPP, John McCririck, OFT, pension
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“What’s expensive for a pension these days?”
Most UK pension people may still agree with you and see 0.9% as cheap but not me. It might have been cheap in 2000 and it certainly isn’t today! Continue reading
Posted in auto-enrolment, brand, corporate governance, customer service, David Pitt-Watson, dc pensions, fish, one pound fish, pensions, Personality, Retirement
Tagged AMC, Australia, David Pitt-Watson, Dutch, John, John Denham, Legal & General, pension
24 Comments
Give a straight red to active member discounts
What are active member discounts (AMDs) and what’s so wrong with them? Continue reading
Posted in auto-enrolment, brand, dc pensions, Fiduciary Management, pensions, Personal Accounts, Popcorn Pensions
Tagged AMC, Aviva, Friends Life, GPP, House of Fraser, pension, Pension Regulator, Scheme
19 Comments
Should we measure pension fees as “risk”?
This is simple measure which makes such fundamental sense that any fool can grasp it. Continue reading
Diagnosing the real cost of DC
A problem with buying “bundled” DC services is finding out what’s really going on under the bonnet. I recently blew my power steering pump , I wanted to know what had happened but the pump was in a sealed unit – no warning … Continue reading
Posted in annuity, dc pensions
Tagged ABI, AMC, Defined contribution plan, Diagnosis, Investment management, pension, Pension Regulator, Transaction cost
9 Comments
Dear OFT….
I see you are looking into pensions and will be completing a “market study” by August that will focus on value for money and the size of pension pot savers end up with at retirement. I hear it will look … Continue reading
Posted in auto-enrolment, dc pensions, First Actuarial, NEST, pensions, Retirement
Tagged AMC, August, Dublin, Employment, Financial services, Office of Fair Trading, pension, Pension Regulator
18 Comments
RDR and AE – what future for commissions and advisor-charging?
Every week we get a few more enquiries from concerned employers who are being told by their pension advisers about the changes coming next month from the Retail Distribution Review. There is variation on the theme but the overall message is clear. Pensions “advice” is … Continue reading
Posted in actuaries, auto-enrolment, club pension, dc pensions, de-risking, FSA, Payroll, pensions, Retirement
Tagged AMC, Company, DWP, Employment, Financial Services Authority, Human Resources, pension, Risk, The Pensions Regulator, Total Expense Ratio
6 Comments
We won’t reinvigorate workplace savings like this
This paper has the watermark of a Department, Government and Minister that has run out of steam. Time to reinvigorate the DWP. Continue reading
Ah- Vested Self Interest – that’s alright then!
We have a brace of fine headlines this week – Citywire report that Standard Life believe that ISAs should be part of the auto-enrolment mechanism and some SRI peddlar is reported on twitter extolling the need for auto-enrolment to include some seriously socially responsible investment. No … Continue reading
Posted in corporate governance, customer service, dc pensions, de-risking, Liberal Democrats, NEST, pensions, Retirement, Treasury, twitter
Tagged AMC, Goldman Sachs, Government, Greece, Jesus Christ, pension, Standard Life, Steve Webb
1 Comment
We can negotiate our DC charges (and it does matter!)
CHARGES ARE ABOUT THE ONLY FEATURE OF OUR PENSION PLAN DESIGN THAT WE CAN CONTROL.
Posted in dc pensions, NEST, Retail Distribution Review
Tagged AMC, Bond duration, Company, dc pensions, Defined contribution plan, Employment, Financial services, Insurance, National Employment Savings Trust, Negotiation, NEST, pension, Percentage, Present value, Retail Distribution Review, Retirement, Total Expense Ratio
3 Comments