Tag Archives: annuity

Get your BR19 as your first step to being “Pension Wise”

Posted on January 12, 2015 by henry tapper

Treasury now in charge of “Pension Wisdom”. Another Monday, another set of pension headlines. The Treasury announce that the Guidance Guarantee is no more and hereafter the delivery mechanism for the help we’ll be getting at retirement will be called … Continue reading →

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The future of retirement – Pension PlayPen responds to NEST

Posted on January 10, 2015 by henry tapper

  Why Pension PlayPen is responding Pension PlayPen is reluctantly responding to NEST’s consultation; reluctantly as we have been asked these questions before in a number of different guises. The report is long and so is this response. We are … Continue reading →

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The bondage of advice.

Posted on January 9, 2015 by henry tapper

Is this what we call regulated advice? Yesterday I told a cautionary tale about a friend who came close to sacrificing 105% of 10 years projected growth on his pension pot in advice and management fees. He asked the question “how can this … Continue reading →

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What’s this about selling your annuity?

Posted on January 5, 2015 by henry tapper

Steve Webb’s latest idea that the Government will encourage the sale and purchase of life annuities is not as crazy as it sounds. Indeed the practice is commonplace in the USA where many court awards are granted as an income … Continue reading →

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Separation

Posted on January 4, 2015 by henry tapper

Can employers nudge staff into drawdown products? Should there be a degree of separation? If so – how can separation be achieved? Continue reading →

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So much for the “haves”, what of the “have nots”?

Posted on January 3, 2015 by henry tapper

It has now been well over a year since the OFT published this comment   Since this warning, not a lot has been done to improve the quality of purchasing by employers. The DWP is introducing legislation in April which will … Continue reading →

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How to create sustainable regulation of workplace pensions

Posted on December 30, 2014 by henry tapper

I am not a lawyer, if you want to read a learned discussion on the impact of the various forms of regulation that could apply to financial services, if you want to explore the theory. I suggest you  read this … Continue reading →

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Who wants change? Who wants to change?

Posted on December 28, 2014 by henry tapper

  Pension Freedoms is not about people doing exactly what you want them to. It is about allowing people to do exactly what they want to do. Yesterday I commended the Aon DC member survey to anyone prepared to submit … Continue reading →

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The trumpeter’s tale

Posted on December 24, 2014 by henry tapper

I met a man at a party last night. He played the trumpet- he is a professional trumpeter. He never went to college and he told me he is now 67. He asked me what I did and when I … Continue reading →

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Why I’m encouraging civil disobedience!

Posted on December 23, 2014 by henry tapper

I’ve been spending  a little time catching up on the Pension Regulator’s website- well it is Christmas after all. I’ve come across this.   It’s a guide to employers on how they should talk to their staff about pensions. It is … Continue reading →

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