Tag Archives: annuity

Two thirds of SMEs are pension virgins.

New research is out on the purchasing intentions of the remaining 1.2m employers who aren’t “in” to auto-enrolment. Of the  SMEs surveyed who are yet to stage, two thirds (66%) don’t have any existing pension arrangements for their staff while … Continue reading

Posted in accountants, advice gap, auto-enrolment, DWP, Payroll, Pension Freedoms, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

Why Osborne’s so wrong to cap our pension ambition.

I wanted to know the amount I would earn if I started on £25,000 when I was 25 and got steady wage rises of 5% pa till I was 65. The answer, according to this little modeller , is just over … Continue reading

Posted in pensions | Tagged , , , , , | 2 Comments

LTA exposes the DC horror-show.

Because I am on holiday, I am reading the Sunday Papers. Someone has bought the Sunday Times which I haven’t read for at least 2 billion years. I’m left with the business pages and two articles by Ian Cowie about … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

The price of choice

It is becoming increasingly clear that the progress of the auto-enrolment project is balanced at the fulcrum. Until now attention has been focussed on the technical details surrounding the auto-enrolment process. But we are moving towards a new phase where … Continue reading

Posted in pension playpen | Tagged , , , , , , , , , | Leave a comment

Help is on its way.

For Britain’s flummoxed pensioners- help is on its way! Continue reading

Posted in advice gap, Pension Freedoms, pension playpen, pensions, Popcorn Pensions | Tagged , , , , , , , , , , , , , , | Leave a comment

The FCA gets serious on pension outcomes

The FCA has published its 2015 business plan http://fca.org.uk/static/channel-page/business-plan/business-plan-2015-16.html Part of the plan is to award itself a £35m increase in budget, meaning it expects to spend £482m of our money – making sure our money is well managed. Whether this … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , | Leave a comment

5 good reasons we need a secondary annuity market

I returned from a long walk this morning to a barrage of negativity on twitter. The outrage of the pensions twitterati was reserved for the Government’s pre-budget leak that people will be able to buy and sell annuities as if … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

An escape plan for pensioners or pension schemes?

Collectively we are short on immortality Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , | 2 Comments

Will pension freedoms be the death of Defined Benefit?

  I thought it was the last supper (or at least the last pension playpen lunch). We had twelve men around the table (no women) and there was sombre expectation as we considered the impact small changes in tax legislation … Continue reading

Posted in advice gap, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Why are we not talking about our pensions? An IFA’s view (guest blog)

On 6 April 2015, brand new rules that affect the way UK retirees can access their pension will come into effect. To assist people in generating their retirement income the government has guaranteed free guidance to all retirees, yet a … Continue reading

Posted in pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , | Leave a comment