Tag Archives: At REtirement

SPP on the CDC pension we should get when buying in at retirement

Posted on December 3, 2025 by henry tapper

The SPP are the first of the big trade bodies to publish their submission to the Retirement  CDC consultation that started on 22nd October with a pow-wow at Aon , much referenced on this blog. It has gone on for … Continue reading →

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Is demand for “Royal Mail” style pension deals increasing?

Posted on February 23, 2025 by henry tapper

It is interesting that DB is creeping back into debates.  I am surprised that there hasn’t been pressure for a more flexible approach to indexation and NPA (normal pension age)  to reduce the risk of DRCs (Deficit Reduction Contributions) and … Continue reading →

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Workplace pensions fall short over “at-retirement support”

Posted on July 14, 2020 by henry tapper

At Retirement Support (with its unfortunate acronym) is not high on workplace pension provider’s priority lists and this is reflected in this survey published by Pensions Expert in an article by Stephanie Hawthorne The survey, conducted by Broadridge, was of … Continue reading →

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Beyond tax relief – a new savings incentive

Posted on July 14, 2015 by henry tapper

In 2002, Ros Altmann wrote a blog, suggesting we move from incentivising pensions savings through tax relief , to a system which targeted those who needed help most- those with low incomes who found it hardest to save decent amounts. … 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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“I don’t need a new house – I need an extension!”

Posted on October 30, 2014 by henry tapper

  I have sympathy with the pension managers of large employers who are being expected to adopt the pension reforms. It is not their job to make Government policies work, rather it is Government’s job to make pensions work- especially … Continue reading →

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We need to know ourselves to plan the future.

Posted on June 9, 2014 by henry tapper

For all the  talk of tax, longevity, inflation and investment returns, the technicalities of retirement  planning are of secondary importance. In this article , I put these technical issues in a broader perspective. If we are to have sponsored financial education in this country, … Continue reading →

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Making every minute count -effective Guidance at Retirement

Posted on May 17, 2014 by henry tapper

            Many people say that you cannot do much to really help people in a thirty minute guidance session. I disagree; more importantly, Michelle Cracknell disagrees. Michelle is the CEO of The Pension Advisory Service … Continue reading →

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