The assumption is that the extra years are added to the end of life and that there are just three…
Still time to wish you a happy birthday. WBM
"a product that beats the annuity most of the time and loses to it by a fifth in the bad…
An important analysis. One possibility that I think Gordon has missed is Baroness Altman proposed amendment to the Financial Services…
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Tag Archives: dc pensions
Consistency and Simplicity (guest blog – Ralph Frank)
The current UK pension taxation regime gives preferential treatment to Defined Benefit (“DB”) savers relative to Defined Contribution (“DC”) savers at both theAnnual Allowance (“AA”) and Lifetime Allowance (“LA”) levels. The current taxation system is overly complex, with two … Continue reading
Posted in pensions
Tagged AA, Business, dc pensions, Employment, Government, LTA, National Employment Savings Trust, pension, Pension new, pension playpen, pensions, Politics, Ros Altmann, Tax
2 Comments
Whose risk is it anyway?
No matter how we look at it – we do not- and will not- live in a command economy. That means we have to take decisions for ourselves rather than be told how to live our lives. If you want … Continue reading
Posted in CDC, dc pensions, defined ambition, Management, Money Advice Service
Tagged apples, choice, dc pensions, de-risking, DWP, Employment, Financial services, Government, pension, Pension Freedoms, Pension new, Pension Wise, Retirement, Ros Altmann, Tax
3 Comments
“I’m afraid we had no answers.. good luck! ..-..Steve.”
“Where are all the pension people?” Asked an accountant at #Accountex15 on Thursday. They were elsewhere listening to Steve Webb and Gregg McClymont looking back at the last five years, a neat metaphor for the pensions industry as another accountant pointed … Continue reading
The tone from the top
Take a close look at the photo above, it’s taken from a Morningstar conference yesterday. The gentleman on the left is asking the question, the women on the right are listening and the gents on the right – well – they’re … Continue reading
Posted in pensions
Tagged Business, corporate governance, dc pensions, DWP, England, Financial services, MAS, Money Advice Service, NAPF, Pension Wise, pensions, Retirement, social media, TPAS, TPR
1 Comment
For Ros Altmann, the best is yet to come.
Ros Altmann is our new pension minister, this is unequivocally good news. For years people have been poking fun at Ros Altmann for her claims to be a Government Advisor. Between 2001 and 2005 she was an advisor to no … Continue reading
Posted in pensions
Tagged auto enrolment, Business, Conservatives, corporate governance, David Cameron, David Gauke, dc pensions, Defined benefit pension plan, DWP, Employment, Financial services, National Employment Savings Trust, pension, pension minister, Pension new, pension playpen, Pension Wise, pensions, Retirement, Ros Altmann
1 Comment
Important days for pensions
David Cameron will be announcing his new cabinet members and more junior ministers this week. Those of us who work in pensions already know that Ian Duncan Smith will remain Minister of State at the DWP, but who will be … Continue reading
Posted in pensions
Tagged annuities, annuity, auto enrolment, Business, Business and Economy, CDC, corporate governance, David Cameron, dc pensions, Drawdown, DWP, Employment, Financial services, Government, National Employment Savings Trust, pensions, Politics, Retirement, Ros Altmann, Steve Webb
1 Comment
Pension pandemonium within 12 months!
“F*ck the file” that’s what I say- or what I would say if I wasn’t in an office full of people who live, eat and breathe Excel. I’d like my office to be file-less within 5 years (make that … Continue reading
Do we need another pension commission? #IRSC
A call for inclusion from the pension elite? The NAPF have launched a call for an Independent Retirement Savings Commission. I went to hear the arguments yesterday morning and came away with a nice booklet but without much more enthusiasm … Continue reading
What’s inside the wrapper’s – what matters! Guest blog from Ralph Frank
I often find myself bemused, and/or confused, when I see investment portfolios specified in terms of product wrappers (e.g. unit trusts, exchange traded funds, structured notes etc.) instead of the underlying investments (e.g. equities, bonds etc.). The underlying investments, … Continue reading
Posted in pensions
Tagged Business, Chief investment officer, corporate risk, dc pensions, Employment, ETF, Government, Investment, investments, pensions, Ralph Frank, Retirement, wrapper, wrappers
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How pensions restrain public sector pay and services.
The latest discussions about how we will manage the nation’s finances are focussing on public sector pay.Nick Clegg tells us that his party will make sure wages would rise in real terms for two years from 2016, and then … Continue reading
youtu.be/xVAvMIhvqfk