Tag Archives: auto enrolment

What is the net pay anomaly?

Posted on December 21, 2018 by

      UK government spending on pensions and top-up benefits for pensioners amounts to 5.9 per cent of GDP – and this figure is projected to increase to 6.3 per cent over the next half century. In addition, the … Continue reading →

Posted in advice gap, auto-enrolment, pensions, Treasury | Tagged , , , , , | 1 Comment

Auto-enrolled through L&G/Ease – read this.

Posted on December 11, 2018 by

This blog is written for employers and advisers who have used or assisted with the ITM eAsE link to L&G’s workplace savings Plan. You are where you are – here is some context and some thoughts on your position] For … Continue reading →

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Is the tide turning in favour of pensions?

Posted on November 26, 2018 by

As we reach the last few weeks of the year, I’ve been looking at the stories that are dominating the pension landscape and increasingly they are positive. Despite UK and global equity markets being down on the year, pensions are … Continue reading →

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Death by 10 million pots – how to solve the small pot crisis

Posted on October 14, 2018 by

  There are 10 million new savers into workplace pensions. If every saver changed jobs 10 time, that would mean 100 million new pension pots- unless some means of rationalising pot proliferation can be found. The DWP estimate that by … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , , , , , | 2 Comments

Will “DC deficits” become a thing of the past?

Posted on October 11, 2018 by

News of HMRC’s “change of position” with regards the “net-pay- anomaly” is welcome, and long overdue. It came in the form of a letter sent in response to a request from respected journalist Jo Cumbo of the FT. Govt to … Continue reading →

Posted in advice gap, annuity, auto-enrolment, pension playpen, pensions | Tagged , , , , , , | 2 Comments

Auto-enrolment; a national exercise in trust.

Posted on September 21, 2018 by

I like to tease Jo Cumbo that she can trust no-one because of her heritage! This blatantly xenophobic comment is based on a British prejudice that Australians find compulsion acceptable as compliance is in the blood. A second prejudice, that … Continue reading →

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“Making workplace pensions work” – the Pension Regulator’s new approach

Posted on September 18, 2018 by

I’ve been on the Pensions Regulator’s stakeholder panel a couple of years and this gets me a ticket to their Annual Conference. I haven’t bought the new vision in previous years, but yesterday’s event, held in County Hall, pushed the … Continue reading →

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Will complacency infect auto-enrolment too?

Posted on September 13, 2018 by

Since auto-enrolment works on the “least said the better” basis, there is a temptation for people involved in its supervision to take Ronan Keating’s advice – “you say it best- when you say nothing at all”. But complacency is what got … Continue reading →

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AE – a day of reckoning to come?

Posted on September 11, 2018 by

More of us are saving, but we aren’t saving any more. The democratisation of pension saving – arising from auto-enrolment is a great thing – everyone can dare to dream of stopping work under their own power. But there is … Continue reading →

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Whitbread – treat your baristas fairly.

Posted on September 1, 2018 by

If Whitbread don’t sort things for their low-paid pension savers, the Pensions Regulator should consider blocking the Coke deal Continue reading →

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