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the pension plowman
- FCA -If you’re looking for innovation….get real! lnkd.in/gpgpdcSthanks 1 hour ago
- @RAF_IFA People were free to discuss finances long before @thefca came along. We're now petrified to offer anyone… twitter.com/i/web/status/9…thanks 1 hour ago
- @pensionseagull Thanks Michael, the computer is a little poorly so the images aren't displaying! henrytapper.com/2017/09/20/its… …thanks 1 hour ago
- RT @pensionseagull: It's not "advice v guidance"; it's "advice v selling". henrytapper.com/2017/09/20/its… via @henryhtapper Great piece from Henr…thanks 1 hour ago
- @RAF_IFA we are as one!thanks 1 hour ago
- RT @RAF_IFA: @henryhtapper We all want advice to be simple and easy, 'enery, but it needs to be accountable, justifiable and safe, too. htt…thanks 1 hour ago
- It’s not “advice v guidance”; it’s “advice v selling”. lnkd.in/gACfVkqthanks 2 hours ago
- It’s not “advice v guidance”; it’s “advice v selling”. henrytapper.com/2017/09/20/its…thanks 2 hours ago
- RT @MickMcAteer: I think we've had too much of the wrong sort of innovation in financial services,too little of the right sort(basic servic…thanks 14 hours ago
- fb.me/1JkQkux90thanks 14 hours ago
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Recent Posts
- It’s not “advice v guidance”; it’s “advice v selling”.
- FCA -If you’re looking for innovation….get real!
- Would a shift from bonds to growth assets keep the USS afloat? – Mike Otsuka
- Advising the 5,000; so where are the loaves and fishes?
- FCA- Outcomes for DC savers will improve when we resume sharing risk!
pension plowman
- FCA -If you’re looking for innovation….get real! lnkd.in/gpgpdcSRestoring confidence in pensions 1 hour ago
- @RAF_IFA People were free to discuss finances long before @thefca came along. We're now petrified to offer anyone… twitter.com/i/web/status/9…Restoring confidence in pensions 1 hour ago
- @pensionseagull Thanks Michael, the computer is a little poorly so the images aren't displaying! henrytapper.com/2017/09/20/its… …Restoring confidence in pensions 1 hour ago
- RT @pensionseagull: It's not "advice v guidance"; it's "advice v selling". henrytapper.com/2017/09/20/its… via @henryhtapper Great piece from Henr…Restoring confidence in pensions 1 hour ago
- @RAF_IFA we are as one!Restoring confidence in pensions 1 hour ago
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Tag Archives: CDC
FCA- Outcomes for DC savers will improve when we resume sharing risk!
The FCA has asked for response to it’s Retirement Outcome review, NEST have shared their response with the FT which reports NEST saying that, without “the right support structures in place”, it was “extremely concerned” its 5m members may run out … Continue reading
Posted in CDC, pensions
Tagged CDC, DB plans, pension, pensioner, Retirement outcomes, risk sharing
4 Comments
“We dislike pensions but we don’t distrust them”- thoughts from comrade Gregg!
One of the pleasures of living in the City of London is the early evening beer with City slickers. City slicker Gregg McClymont and I had a pint or two in the Fine Line last night and caught up after … Continue reading
Posted in actuaries, pensions
Tagged CDC, Gregg McClymont, John Ralfe, money marketing, pensions, Scheme Pensions
5 Comments
A wage in retirement or freedom from pensions?
Yesterday I wrote about one aspect of the dispute between Royal Mail and its workers – the difference in opinion between the two sides on how postal workers are financially supported in retirement. It appears very simple; Royal Mail want to … Continue reading
Posted in pensions
Tagged CDC, CWU, pension, pension scheme, pensions, Retirement, Royal Mail
2 Comments
Postmen want to strike – is it any wonder?
Maybe it’s because they’ve been reading the FCA’s report on Retirement Outcomes. Maybe the FCA have been talking with them. Either way, the 140,000 postal workers in the Royal Mail scheme don’t want a pension when they pack up their … Continue reading
Innovative pensions for the mass of us!
In its Retirement Outcome Review (interim report), the FCA were clear on evidence of a problem The blame lies not with thick consumers but with lack of competition If competition is not working effectively and consumers make uninformed retirement income decisions this could lead to … Continue reading
Posted in advice gap, auto-enrolment, DWP, pensions
Tagged CDC, DWP, FCA, GAD, NEST, pensions, Scheme Pensions, Treasury
5 Comments
This market failure’s not about advice but product.
The FCA paper on structural problems with the pension freedoms that I wrote about yesterday, is the first evidence of Government admitting all in this garden is not rosy. What has happened since 2015 is an increase in people hammering … Continue reading
Posted in advice gap, CDC, pensions
Tagged advice, annuity, CDC, Drawdown, financial advice, Target Pensions, wealth management, wealth manager
5 Comments
Freedoms;- the Treasury got us into this mess, can the FCA get us out?
It is good that the FCA are looking at the introduction of Pension Freedoms through experience. Here’s what they’re finding. Over half – 52 per cent – of fully withdrawn pots were not spent but were moved into other savings … Continue reading
Pension Risk Sharing – they’re all at it but us!
Japanese CDC is coming @JohnRalfe1 @markjrowlinson @WillJAitken @henryhtapper https://t.co/e9D2UClhBR — Sam Pickford (@pickfos) June 2, 2017 Oh dear! News that the Japanese have gone all defined ambition did not go down well. Infact it went down like Japanese Knotweed at … Continue reading
Posted in actuaries, advice gap, pensions
Tagged BSPS, CDC, CWU, Defined Ambition, pension, pensions, risk sharing, Ros Altmann, Royal Mail, tata
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Pensions Resurgent! The merit of the CWU’s proposals to the Royal Mail
For the third day I am returning to the CWU’s proposals to the Royal Mail which I now consider the most important break through in pension scheme design we have seen in Britain this century. I base this on three … Continue reading
Posted in actuaries, advice gap, David Pitt-Watson, dc pensions, defined ambition, defined aspiration, pensions
Tagged CDC, CWU, David Pitt-Watson, Defined benefi, Eddy Truell, equities, Infrastructure, Linked in, pension, pensions, PIC, Royal Mail
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Are defaults enough? Or do we need compulsion?
Well I’m back from 10 days in India where I saw the very rich and the very poor but not much in the middle. I saw some very fine architecture which showed me what can be done when people … Continue reading
Posted in pensions
Tagged CDC, Drawdown, Freedoms, ft, josephine cumbo, Pension Freedoms, pensions
2 Comments
