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the pension plowman
- FCA -If you’re looking for innovation….get real! lnkd.in/gpgpdcSthanks 1 hour ago
- @RAF_IFA People were free to discuss finances long before @thefca came along. We're now petrified to offer anyone… twitter.com/i/web/status/9…thanks 1 hour ago
- @pensionseagull Thanks Michael, the computer is a little poorly so the images aren't displaying! henrytapper.com/2017/09/20/its… …thanks 1 hour ago
- RT @pensionseagull: It's not "advice v guidance"; it's "advice v selling". henrytapper.com/2017/09/20/its… via @henryhtapper Great piece from Henr…thanks 1 hour ago
- @RAF_IFA we are as one!thanks 1 hour ago
- RT @RAF_IFA: @henryhtapper We all want advice to be simple and easy, 'enery, but it needs to be accountable, justifiable and safe, too. htt…thanks 1 hour ago
- It’s not “advice v guidance”; it’s “advice v selling”. lnkd.in/gACfVkqthanks 2 hours ago
- It’s not “advice v guidance”; it’s “advice v selling”. henrytapper.com/2017/09/20/its…thanks 2 hours ago
- RT @MickMcAteer: I think we've had too much of the wrong sort of innovation in financial services,too little of the right sort(basic servic…thanks 14 hours ago
- fb.me/1JkQkux90thanks 14 hours ago
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Recent Posts
- It’s not “advice v guidance”; it’s “advice v selling”.
- FCA -If you’re looking for innovation….get real!
- Would a shift from bonds to growth assets keep the USS afloat? – Mike Otsuka
- Advising the 5,000; so where are the loaves and fishes?
- FCA- Outcomes for DC savers will improve when we resume sharing risk!
pension plowman
- FCA -If you’re looking for innovation….get real! lnkd.in/gpgpdcSRestoring confidence in pensions 1 hour ago
- @RAF_IFA People were free to discuss finances long before @thefca came along. We're now petrified to offer anyone… twitter.com/i/web/status/9…Restoring confidence in pensions 1 hour ago
- @pensionseagull Thanks Michael, the computer is a little poorly so the images aren't displaying! henrytapper.com/2017/09/20/its… …Restoring confidence in pensions 1 hour ago
- RT @pensionseagull: It's not "advice v guidance"; it's "advice v selling". henrytapper.com/2017/09/20/its… via @henryhtapper Great piece from Henr…Restoring confidence in pensions 1 hour ago
- @RAF_IFA we are as one!Restoring confidence in pensions 1 hour ago
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Tag Archives: dc
Don’t blame us punters for “unadvised drawdown”- give us an alternative!
Back in 2014, in the lead up to the launch of the pension freedoms, I wrote a blog on the perils of unadvised drawdown. I predicted then , what we see today, a large number of people trying to … Continue reading
Posted in pensions
Tagged alternative, dc, FCA, pensions, punter, risk sharing, unadvised drawdown
3 Comments
Radical thoughts about “value for money” – from Julius Pursaill (aka mystery blogger)
Establishing a consensus on what “value for money” is, is proving too hard for the IGCs and Trustees, we need intervention from a “deus ex machina” (aka the FCA). Once we know the means to measure, I believe the … Continue reading
Posted in pensions
Tagged dc, IGC, mystery blogger, Standard Life, trustees, Value for Money, workplace Pensions
7 Comments
Myopia and the alternative fact
Not all prejudice is ill-intentioned, I know the author of this comment on a recent blog. He is not ill-intentioned – just short-sighted. There is no one interested to have defined benefit pensions in the UK. They are seem as … Continue reading
Posted in pensions
Tagged Beveridge, DB, dc, Government, Investment, Plan, retail, Savings, Treasury, Vision
2 Comments
“Famine or feast pensions”- demand advice is better spread.
Where you work not how you work determines your pension prospects. If you choose to work for a blue chip company or for the Government you can expect at worst a high contribution to a workplace pension and at best a … Continue reading
Posted in accountants, actuaries, advice gap, auto-enrolment, pensions
Tagged advice, auto enrolment, consultancy, DB, dc, DWP, famine, feast, Pension Schemes Bill, pensions, regulation, workplace pensins
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Let’s put an end to pension transfer privilege.
“Sexy cash” legitimised? A few years ago , Sir Steve Webb, then our pension minister, stood in front of the PLSA and berated Boots and its pension scheme for tempting members out of the pension scheme with cash incentives. He … Continue reading
Posted in annuity, auto-enrolment, pensions
Tagged CETV, Critical yield, DB, dc, defined benefit, Defined Contribution, IFA, Philip Green, transfer advice, transfers
1 Comment
How we’re responding to the FCA’s Asset Market Study
Pension PlayPen response to the FCA Asset Management Market Study Interim Report (MS15/2.2) This response focusses on “proposed remedies” and how to make them effective. The aim of Pension PlayPen is to restore confidence in pensions, we see public confidence … Continue reading
Activism over activity – we want effective asset management.
Reading the FCA’s Asset Management Market Study, you’d be tempted to give up on active asset management (to be frank you might to give up on investment funds altogether). Daniel Godfrey has a piece in the FT claiming that the … Continue reading
Posted in IGC, investment, pensions
Tagged Aberdeen, dc, ESG, HSBC, LGIM, Terry Smith, trustees, Warren Buffet, Woodford
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“The Gold Star DC Pension Plan” – awaiting conception!
That good chap Jonathan Stapleton who runs mags for Incisive has asked me for my view on what makes for a gold star DC pension scheme. I’ve submitted 150 words which I hope will find their way into a … Continue reading
Posted in CDC, dc pensions, defined ambition, pensions
Tagged Dave Brailsford, dc, Defined Contribution, Fiona Dunsire, Gold star, pensions, PQM
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“Rape and Kill” – why the public are turning off retirement advice.
Thanks to the PPI for the second Future Book – Unravelling Workplace Pensions. The 2016 Edition of the PPI’s study on workplace pension is published today. Getting data on the state of workplace pensions has always been tricky. If you … Continue reading
Posted in drawdown, pensions, PPI
Tagged auto enrolment, dc, decumulation, default, pension playpen, pensions, PPI, Saving, spending, workplace Pensions
6 Comments
Innovate , collaborate, compete!
Last Wednesday I chaired a cracking debate over and around lunchtime of the LGIM DC Conference in London’s swanky Sheraton Hotel. There were three questions on the table Is regulation a spur or a hindrance to innovation? Do … Continue reading
Posted in pensions
Tagged Collaborate, compete, competion, Conference, dc, Innovate, regulation
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