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Tag Archives: Consultants
CMA investment probe shock; the big three breathe again!
It shows the distance between the consumer and the investment consultant that all but a handful of readers will know what this headline refers to. To the general public, the Competition and Markets Authority’s probe into the opaque world of … Continue reading
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Posted in advice gap, pensions
Tagged Aon, CMA, Consultants, Investment, Mercer, pensions, WTW
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Alright LCP and First Actuarial – here’s my ESG challenge to you!
I’d alert readers to an excellent thought piece by LCP consultant, Sam Cobley. You can read it here. Sam ponders why, while every trustee and IGC chair is now commenting on Responsible Investment and Environmental, Social and Governance issues. So few … Continue reading
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Posted in actuaries, First Actuarial, pensions
Tagged Consultants, ESG, first actuarial, LCP, Responsible Investment
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The herd mentality that leads us to DC
Luke 8:32-33 A large herd of pigs was feeding there on the hillside. The demons begged Jesus to let them go into the pigs, and he gave them permission. When the demons came out of the man, they went into … Continue reading
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Posted in pensions, USS
Tagged Aon, Consultants, first actuarial, pensions, UCU, USS, UUK
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How small schemes can win (with no surrender)!
I’m listening to Bruce Springsteen – “no retreat, baby no surrender” A useful note about “the consolidation opportunity” sits in my inbox. It’s from Con Keating who had been studying the ONS data on how pension schemes invest their money. He … Continue reading
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Posted in advice gap, napf, pension playpen, pensions, Pensions Regulator
Tagged CMA, Consultants, Index, pensions, PLSA, small schemes
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So you want to pay your own pension costs- do you?
A new twist to the Pension Transfer Debate has been introduced by Willis Towers Watson (WTW) at a seminar last Tuesday at their London offices. At the event, consultants reported a ripple effect caused by the surge in members transferring out. WTW … Continue reading
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Posted in pensions
Tagged CETV, Consultants, defined benefit, final salary, IFA, pensions, SIPP, transfers, WTW
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“Breaking ranks” with a pernicious orthodoxy.
In a significant interview with the FT, Michael Higgins, former chair of the Pension Regulator and chair of a £12bn pension trust argues that valuing pension liabilities using the gilt yield is leading to a …. “significant misallocation of resources — … Continue reading
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Posted in accountants, Bankers, pensions
Tagged Consultants, contrarian, Deficit, FABI, Funding, Infrastructure, John O'Higgins, pensions, TPR
5 Comments
Is pension salary sacrifice an answer?
After the ruck created by articles in the FT and the Daily Express, I’ve heard several pension experts tell me that if we did not have employer contributions, all the issues around net-pay and relief at source would go away. … Continue reading
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Posted in pensions
Tagged Consultants, HMRC, net-pay, pensions, relief at source, salary sacrifice, Tax
3 Comments
“We are as concerned as we can afford to be”
The DWP has now presented the draft bill that will enable Defined Ambition pensions to be set up, probably from this time in 2016. While lawyers pour over the clauses, it’s worth considering the responses the Government received to the ideas … Continue reading
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Posted in David Pitt-Watson, dc pensions, defined ambition, defined aspiration, drawdown, pensions, Pensions Regulator, Public sector pensions
Tagged Business, CDC, Consultants, Defined Ambition, Defined benefit pension plan, DWP, Employment, Financial services, Government, Legislation, National Employment Savings Trust, pension, pensions, Pensions Bill, Retirement, Steve Webb
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