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Tag Archives: Business
Is MaPS creating a UK Financial Wellbeing Movement?
At this time of crisis , we need to be deploying our resources to meet the immediate needs of our customers and MaPS should be no different Continue reading
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Posted in age wage, pensions
Tagged advice, annuity, auto enrolment, Business, debt, Debt management plan, DWP, MAPS, Pensions
2 Comments
From helping your clients to helping yourself.
The severity of the falls in stock market put in jeopardy the revenues of asset based businesses. Put simply, if the markets fall 50%, so do revenues. What were profitable business models become unprofitable and sooner or later costs catch … Continue reading
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Posted in Consolation, coronavirus, pensions
Tagged Business, clients, costs, Plan, Plan B
5 Comments
Pension Bee talks, LGIM listens
The Guardian announces this morning that Pension Bee’s campaign to get access to an LGIM fund that divests from companies profiting from fossil fuels. Getting the mighty LGIM. Britain’s biggest fund manager, to respond to customer pressure is no mean … Continue reading
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Posted in pensions
Tagged #pensions, Business, dc pensions, Financial services, Government, LGIM, Pension Bee, Pensions
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What is CDC?
I’ve had a couple of calls recently for a simple explanation of what CDC is and why it could be useful in Britain today. CDC is an abbreviation for Collective Defined Contribution. A CDC scheme is created by contributions … Continue reading
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Posted in CDC, Pension Freedoms, pensions
Tagged adviser, annuity, Business, CDC, Drawdown, pensions, Royal Mail
2 Comments
Standard Life- welcome to Sage’s digital “Data Exchange”!
I’m very pleased to see Standard Life’s announcement that its “Good to go” proposition is now part of Sage’s Data Exchange initiative. The news grabs headlines in the Scotsman and it should be headline news down south as well! Employer’s … Continue reading
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Posted in pensions
Tagged API, auto enrolment, Business, Marketing, pensions, Sage, Sage 50, Standard Life, Technology, workplace pension
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Where does all our money go?
Two of the big three revenue sources are income tax and national insurance, they’re the ones who hurt the well off. The third biggie -VAT is the one that hurts the poorest. Poor people pay VAT at the same rate as … Continue reading
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Posted in pensions
Tagged Autumn Statement, Business, George Osborne, National Insurance, Philip Hammond, Tax, Universal Credit
3 Comments
An algorithm cannot lie
An algorithm cannot lie; it will tell you what you set it to tell you with the data you fed it. It has no choice, it is entirely deterministic;- and yet algorithms can help you lie. Let’s take a … Continue reading
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Posted in NEST, Pension Freedoms, pensions
Tagged auto enrolment, Business, NEST, pension playpen, pensions, Retirement, workplace pension
2 Comments
What’s the point of disclosure if it never gets seen?
Jo Cumbo has been writing some interesting pieces ( https://www.ft.com/content/787ad06e-7e7b-11e6-bc52-0c7211ef3198) on how what we need to know about our retirement savings can be delivered to us as we want it. We get our shopping or our meals to our door if … Continue reading
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Posted in pensions
Tagged Aviva, Business, communication, Digital Garage, disclosure, Employment, Financial services, ft, jo cumbo, National Employment Savings Trust, pension, Scottish Widows
2 Comments
Too Expensive to Keep? Is it time to break our promises to the baby boomers?
In a stunning lecture delivered without notes to a “senior” audience at the Oxford and Cambridge Club last night, Paul Johnson helped us ask these questions of ourselves. For his audience was by and large – precisely the entitled class … Continue reading
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Posted in pensions
Tagged baby boomers, Business, demographics, Economics, Employment, Financial services, Paul Johnson, pensions, Retirement, SERPS, Social economics, state pension
6 Comments
My pension fund manager – reassuringly boring.
I’ve worked out what I want from the person who runs my pension fund – I want them to be busy doing nothing. That’s more or less what Martin Dietz is doing running the Legal and General Multi-Asset Fund which … Continue reading
