Tag Archives: choice

Retail platforms – a boat worth missing?

Posted on May 26, 2019 by

I hadn’t realised until yesterday that the FCA has a SIPP and Platform team in the Retail Investment supervision department. For most of us , the idea that we are buying into a platform when we save into a pension … Continue reading →

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

Brexit sets our pensions free!

Posted on February 15, 2017 by

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!

Posted on October 28, 2016 by

    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

Posted on October 26, 2016 by

  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

Posted on September 18, 2016 by

  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 →

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Data should drive AE reform in 2017

Posted on August 11, 2016 by

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

Posted on May 6, 2016 by

    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!

Posted on April 16, 2016 by

  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

Posted on March 29, 2016 by

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 →

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Worries grow about workplace pension choice

Posted on February 28, 2016 by

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