Tag Archives: choice

Brexit sets our pensions free!


We are where we are; Brexit is changing things. Brexit is a disruptor of old certainties and a bringer of new opportunities. The pensions and savings industry has grown fat on the old certainties but is now being confronted by populist … Continue reading

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

Thanks – it’s a delight to do business with you!


    It’s a real delight speaking to micro businesses about pensions. You might think a simple question like “which one do you think is best?” would become boring, now we’re closing in on 5000 employers who’ve asked us it. … Continue reading

Posted in auto-enrolment, pension playpen, pensions, robo-advice, Sage | Tagged , , , , , , , , , | Leave a comment

NEST is not auto-enrolment


  I went to a talk yesterday by a former shadow cabinet minister of state for the DWP. It was under Chatham House rules so I can’t tell you which one – it doesn’t matter which one – it matters … Continue reading

Posted in advice gap, auto-enrolment, pensions | Tagged , , , , , , , , , , | 20 Comments

Documenting why you chose your workplace pension


  The best thing about the Pensions Regulator’s Duties Checker is the process. Follow the five steps and you will be able to sign your declaration of compliance and that’s it- auto-enrolment sorted.   Well if only it was that … Continue reading

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

Data should drive AE reform in 2017


We live at a time dominated by data. Never before has data been so readily available to policy makers. But with so much about, it’s the job of those at DWP and tPR to sort out what’s relevant and what’s … Continue reading

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

Gain today- pain tomorrow; Ralph Frank on Freedom and Choice


    There is a remarkable consistency across each of the policy measures being enacted under the ‘freedom and choice’ banner.  The estimated impact of each measure on the Exchequer serves to accelerate the payment of income tax on the … Continue reading

Posted in pensions | Tagged , , , | 2 Comments

Pensions -No engagement without ownership!


  It is generally accepted that ownership implies accountability. Ownership is  the word we use in business to say we’ll take responsibility for the outcomes of an action; as in “I’ll own this one”. We’ve learned that unless someone owns a … Continue reading

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

“PENTECH” slashes the cost of pension advice


Over the weekend I heard a mortgage broker talk about automated mortgage underwriting as “mortech” and as Investec grabbed the technology high ground some years ago, I’m going to lay claim to “PENTECH” for http://www.pensionplaypen.com. I’m proud that what was … Continue reading

Posted in pension playpen, pensions, social media | Tagged , , , , , , , , , , , , , , , | Leave a comment

Worries grow about workplace pension choice


The Berkshire Farmer spoke on the BBC’s world tonight last week. He is not alone in finding himself helpless in trying to choose a workplace pension. I find myself conflicted in arguing the case for informed choice as I run … Continue reading

Posted in corporate governance, pensions | Tagged , , , , | 3 Comments

Why we have no choice but to trust on tax


People argue that a taxation system that offers limited incentives upfront and relies on “jam tomorrow” is flawed. People won’t trust it But such a system is in place, it is labelled the Individual Savings Account (ISA) and people trust … Continue reading

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