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Meta
Tag Archives: annuity
Quietroom – shouldn’t we be asking not telling members about being “bought out”?
Simon Grover of Quietroom has written an article about communicating buy-out to members (who are about to be bought out). It urges us not to forget the member, but suggests what the member thinks is an afterthought I am usually … Continue reading
Who’s taking and who’s benefiting from increased risk when pensions “buy-out”?
I’ve been hearing a lot about an argument going on behind the scenes between the Bank of England and the big boy’s regulator the “Prudential Regulatory Authority” and on the other side – the Government – (parliament). The argument is … Continue reading
2022 – a year when pensions tightened our belts.
There have been many good years for pensions this century and most people find themselves much better off than they were when pensions were last formally reviewed by the Government in 2004. But 2022 was a year when almost … Continue reading
Corporate Adviser lifts the lid on the “at retirement” toilet .
If you thought that the FCA’s Retirement Income Study painted a messy picture of how we are turning pots into pensions, then take a look at Corporate Adviser’s Workplace Pensions Into Retirement Report. The FCA report on a relatively orderly … Continue reading
Posted in pensions
Tagged annuity, corporate adviser, Corporate retirement, Drawdown, pension, Retirement
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“The most kindest cut of all” – axing IHT exemptions would do pensions a favor.
My advice to the Treasury is simple “make DC pension pots taxable as part of the inheritable estate”. It’s a tax break we can do without The situation at present is like this Take your money out of your pot … Continue reading
Posted in pensions
Tagged annuity, IHT, Income tax, inheritaince tax, Pensions, personal pensions, Tax
1 Comment
Flex first-fix later – Pension PlayPen coffee morning today at 10.30am
I will be chairing this session which is hard luck on Phil Boyle as I have a number of questions about his and Steve Webbs’ proposal and am sceptical the plan can work. Isn’t this a fees-fest for advisers? How … Continue reading
“Flex First – Fix Later” – can Webb and Boyle’s proposal work?
I will be chairing this session which is hard luck on Phil Boyle as I have a number of questions about his and Steve Webbs’ proposal and am sceptical the plan can work. Isn’t this a fees-fest for advisers? How … Continue reading
If this is (pension) freedom – I’m a banana!
“Why employees need independent advice before deciding what to do with their pension freedoms”- REBA This is the headline from a leader in REBA, the employee benefit magazine. I mention “employee benefits” with a grimace, for many benefits sold to … Continue reading
Posted in pensions
Tagged annuity, Banana, FCA, Ian Hislop, IFA, REBA, Retirement income Study
2 Comments
It is time to take annuities seriously again – Billy Burrows
Annuities have always been a serious business* but since the introduction of pension freedoms in 2015 most retirees (and advisers) have not taken annuities seriously and many invested in pension drawdown rather than purchase an annuity. Annuities have been … Continue reading
Posted in pensions
Tagged annuities, annuity, Billy Burrows, Guarantee, Income, Pension Drawdown, Pensions
4 Comments
Why small pots are jeopardising state benefits
In this article I explain why it’s often best for people with small pension pots to spend their income before they get to state pension age. The over-prudent who hold back – can risk losing out on pension credit. … Continue reading