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Tag Archives: Business
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
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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
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Pension fury from Paul Lewis
It’s worth subscribing to Paul Lewis’ weekly Moneybox blog, delivered to your inbox on a Friday afternoon. This week’s mail addresses a central unfairness; those laying down the law on pensions are sorted , those they tell to “engage” – face “glacial” innovation from … Continue reading
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Posted in pensions
Tagged Andy Haldane, Aviva, BOE, Business, Glacial, high charges, Paul Lewis, Pension Awareness Week, Pension Dashboard, Pension Geeks, pensions, progress, Providers, Retirement
4 Comments
Pensions Awareness Day #PAD2016
Yesterday was Pensions Awareness Day. The Pension Plowman apologises to the Pensions Geeks for not shouting about it on this blog yesterday but those at Friends of Auto Enrolment yesterday afternoon wore the badges, those at the Payroll World … Continue reading
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Posted in pensions
Tagged #pad2016, Business, Geeks, Jonathan Bland, Liverpool, Pension Awareness Day, Pension Geeks, Rachel Parkinson, Scottish Widows
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Anger and remorse – how do they help?
I have two important engagements next week. On Monday afternoon I will stand up at the TTF event in Westminster and ask those in Government to do more for workplace pensions and on Wednesday I’ll host a session at … Continue reading
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Posted in pensions
Tagged Anger, Business, Conference, Moving on, pensions, professional pensions, Remorse, Yeats
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