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Tag Archives: default
Will trustees rely on fiduciary duty to deliver DC pensions?
We intend to rely on the trustee’s fiduciary duty to act in the members best interests when developing the suite of products and services. However, we will keep this under review and may introduce further requirements separate to the … Continue reading
Response to the DWP’s consultation on choice architecture for DC spenders
The DWP has published a consultation called Helping savers understand their pension choices It is billed as a Response to the products and services element of the call for evidence and the public consultation on a policy framework to support … Continue reading
A* for consultation on “at retirement” options. Trott nails it.
In 2022 the Government ran a call for evidence This call for evidence has been launched to explore what support members of pension schemes need to help them make informed decisions about how to use their savings. It will also … Continue reading
Buying a pension with my workplace pension pot – why not?
In this article, I look back to the bad old days when people who didn’t choose got “clubbed” by insurers . I look forward to a system that ensures everyone gets a reasonable pension for their savings , whether they … Continue reading
“How do we tell the children?” Our awkward problem over lifestyle.
For the purpose of this article – I will refer to some savers as our “children“, those under our care who have suffered loss while sleeping. They are the unwitting victims in the collapse in bond markets , including … Continue reading
“We have a financial literacy problem, not a product scarcity problem!”.
This article is about what we can learn from Australia about “choice architecture” and how we can avoid leaving the important policy decisions too late, as I believe the Australians have done. As she learns the ropes, I hope that … Continue reading
DWP announces “Game on” for savers looking to turn pots to pensions
With immaculate timing, the DWP launched its latest consultation on how to establish the choice architecture and expand the decumulation options for members retiring from occupational schemes. Or to use language that people understand “how we get paid by our … Continue reading
Are we defaulting people into retirement heaven or retirement hell?
Two tweets dominated my social media yesterday. The first was from Alistair McQueen which drew excited comment for suggesting that we had lost the link between retirement and pension. No one is suggesting that you should, Henry, or that people … Continue reading
Altmann and Fawcett on DC’s new bargain
Over the Easter weekend , I continued to question the legitimacy of illiquids in the default funds that dominate retirement saving in the UK. To date these funds have invested in liquid funds which have sought returns by passively … Continue reading
A whole new can of “defaults”
The Pension Regulator’s found a new can of worms to open. This time it relates to a very local problem but creates some difficulties for those running and governing DC pensions. As the vast majority of money going into DC … Continue reading
Posted in advice gap, age wage, pensions
Tagged default, pensions, Savers, SIPPS, workplace Pensions
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