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Tag Archives: charges
DWP frees up workplace pension defaults – can providers be trusted?
It looks like the high-water mark for Government intervention in workplace pensions has been reached. The years following the introduction of the RDR saw the abolition of sales commissions (both for introducing members and setting up schemes), of “active member … Continue reading
AgeWage and Pension Bee call for Dashboards to tell us what we’re paying for our pensions.
Yesterday the Money and Pensions Service opened a consultation on Pensions Dashboards’ data standards, seeking industry-wide input on the definition and scope of the information dashboards will display. The call for input seeks views on: the personal data items … Continue reading
If you think you know your costs, you could be wrong
This is the third of Dr Chris Sier’s insights into cost transparency and it gets right to the heart of the issue: just how much of a pension schemes total costs were previously unknown? ‘You can’t manage what you … Continue reading
Prudential IGC reports a notable victory for savers.
2019/20 – a battle won Prudential’s is the last IGC to publish its Chair report this year and I suspect the report we get is rather different than the report planned earlier in the year. Chair Lawrence Churchill tells us … Continue reading
Posted in IGC, pensions
Tagged charges, Churchill, Covid-19, IGC, lawrence churchill, Prudential
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Investment; Nobody’s sharing your pain but you.
“Everyone wants to know you when the market’s rising, but when it falls, you’re on your own”. That’s the comment of one of my friends who’s been trying to talk with his wealth manager over the past week. Right….that’s it … Continue reading
Posted in age wage, pensions
Tagged Boring Money, charges, Holly Mackay, pensions, Transparency, Value for Money
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Workplace GPPs, incompetence not governance drives policy.
The argument in a nutshell The FCA has decided to relax rules that would have made the management of workplace group personal pensions very difficult. These GPPs are run by insurers and a few GSIPP operators (Hargreaves Lansdown most prominently). … Continue reading
Posted in advice gap, age wage, pensions
Tagged charges, costs, FCA, Nutshell, pensions, transaparent, Value for Money
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“What do people want?” – a question for IGCs
The saddest statement I heard last year was from an adviser who told a room “we have given up reporting on outcomes, outcomes always disappoint”. It is not just IFA’s who don’t like to report on the outcomes of … Continue reading
How contingent fees underpin SJP’s shareholder value.
The last two days have not been kind to St James Place, on Tuesday it was presented with the FCA’s CP19/25 and PS19/21 and yesterday it had to face the wrath of the market which marked its shares down 5% … Continue reading
The impact of NDAs on pension outcomes
NDAs (non disclosure agreements), have been much in the news in the past week. The government says it will crack down on the use of workplace “gagging clauses” to cover up allegations of harassment, discrimination and assault. Many businesses use … Continue reading
Posted in actuaries, advice gap, pensions
Tagged charges, CMA, IA, IMA, pensions, value, Value for Money, VFM
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Peoples;- for once the small print is good news!
Yesterday I published the news that People’s Pension has dropped its prices for those with larger balances which they estimate will lead to a 10% drop in overall fee income. That is good news, especially if you are in … Continue reading
Posted in actuaries, advice gap, age wage, pensions
Tagged £sd, charges, disclosure, FCA, People's Pension, tPP
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