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Tag Archives: auto enrolment
Chile’s pension expectations dashed – what can we learn?
In the early 1980s Chile became the first OECD nation to switch from a Pay as you go pension system to a system dependent on private pensions. True the long-tail of state liabilities isn’t due to end till 2045 but … Continue reading
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Posted in advice gap, age wage, auto-enrolment, pensions
Tagged AgeWage, auto enrolment, Chile, compulsion, pensions, pinochet, state, state pension
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For everyone’s sake – let’s sort pension savings incentives this budget.
Diversity is about including and it’s so important to pensions that we now have a minister of pensions and financial inclusion. A big part of the minister’s job is to create diversity – including not just men and … Continue reading
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Posted in advice gap, age wage, pensions
Tagged AE, auto enrolment, DWP, HMRC, HMT, Incentive, net pay anomaly, NPA, pension, pensions, tax relief
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The best audience I will have all year – thanks CIPP!
Take a look at the audience above and you will see what I saw when I arrived to speak- not a single empty chair , everyone paying attention and a great gender mix. The Chartered Institute of Payroll Professionals … Continue reading
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Posted in advice gap, Payroll, pension playpen, pensions, Pensions Regulator
Tagged AgeWage, auto enrolment, CIPP, Payroll, pension playpen
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Contractors can’t have their cake and eat our pensions too
The Association of Independent Professionals and the Self-Employed have condemned Lloyds Banking Group’s decision to either scrap contractors or force them into umbrella companies. I think this unfair on Lloyds and unfair on the tax-payer. As anyone in reward … Continue reading
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Posted in advice gap, auto-enrolment, pensions, Value for Money
Tagged auto enrolment, DWP, HMRC, HMT, IPSE, IR35, LBG, Lloyds Banking Group, pensions
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Pension’s “unknown unknowns”
This one takes some beating for nerds interested in the nuts and bolts challenges of building a mass workplace #pensions system:https://t.co/vR638ugBgr — Gregg McClymont (@greggmcclymont) September 17, 2019 Gregg tweets a story run by the FT almost a year after … Continue reading
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Posted in advice gap, age wage, auto-enrolment, Payroll, pensions
Tagged auto enrolment, Payroll, pensions
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How payroll won friends and influenced Government
This is national payroll week so I’m blogging an article I wrote earlier in the summer for Reward Strategy Magazine. Since the end of the auto-enrolment staging period, I have had less day to day interaction with payroll people, … Continue reading
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Auto-enrolment – what next?
We have got so used to auto-enrolment contribution rates going up as phasing unwinds that it’s actually quite disappointing to think we have no further challenges on the horizon. The Government, in its 2017 auto-enrolment review, promised to introduce a … Continue reading
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What WPS is ACTUALLY saying about pension transparency
The headlines are about “rip-off” pension charges, but the WPS Select Committee’s report is a wide-ranging investigation into the transparency of the pensions industry and not a sensationalist attack on charges. It sets out its stall in the pre-amble. There should … Continue reading
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Posted in advice gap, age wage, auto-enrolment, pensions
Tagged auto enrolment, DWP, Frank Field, pensions, W&P Select, Work and Pensions Select Committee, WPS
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What should you say to your staff about pensions next week?
Next week most staff will see for the first time the impact of their increased pension contributions on their pay. They may ask you, if you are the boss or run payroll or pensions or work in HR, what this … Continue reading
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Now and then.
It all started so well – and ended so sadly. Yesterday NOW’s owner, the Government backed Danish Pension Fund announced it was selling it’s UK master trust to Cardano, the Dutch Fiduciary Manager. NOW were the first organisation to seriously … Continue reading
