Tag Archives: auto enrolment

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


  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?


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.


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

Posted in auto-enrolment, pensions | Tagged , , , , , | 2 Comments

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


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

Posted in pensions, Pensions Regulator | Tagged , , , , , , | Leave a comment

Will complacency infect auto-enrolment too?


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

Posted in auto-enrolment, pensions | Tagged , , , , | 1 Comment

AE – a day of reckoning to come?


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

Posted in auto-enrolment, BSPS, Dashboard, pensions | Tagged , , , , | Leave a comment

Whitbread – treat your baristas fairly.


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

Posted in pensions | Tagged , , , , , , | 1 Comment

How can savers be encouraged to engage with their savings?


  This is the 4th of eight blogs considering the questions put to us by the Work and Pensions Select Committee. Today’s exam question… How can savers be encouraged to engage with their savings? Quick answer; either we can convince … Continue reading

Posted in auto-enrolment, pensions, WPC | Tagged , , , , , , , , | 7 Comments

Should we be empowering consumers or regulating providers?


  Well we’re on to question three – all the proposed eight blogs  will be sent to WPC as our evidence – when I mean “our”- I mean mine – and the thoughts of anyone who cares to comment. So here’s this morning’s exam … Continue reading

Posted in pensions, WPC | Tagged , , , , , , | 2 Comments

Who’s fooling whom – on workplace pensions


“We all have one- we all know who chose it, but none of us know why?” In the 19th century, when riddles were popular, this would have been counted an interesting question. Riddling could make a comeback on social media … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , | 4 Comments