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Tag Archives: Defined benefit pension plan
If not CDC – what?
CDC – flawed in conception Steve Webb told me that when he spoke with Andrew Young, the former Government Actuary for the DWP, Andrew advised him to “think big”. Steve did and he will be remembered not just for the … Continue reading
“Two nation pensions” – why I can’t make the NAPF this week
There are a number of reasons why I can’t make the NAPF Conference this week I have to talk to accountants , payroll managers and finance directors in London, Birmingham and Slough The conference now costs too much for … Continue reading
Posted in pensions
Tagged 20:20 innovation, auto enrolment, Business, CIPP, Defined benefit pension plan, Employment, NAPF, Payroll, pension, Pension new, pension playpen, pensions, Qtac, Retirement
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Does “People Power” make for better pensions?
When we know nothing we take advice before deciding… Conventional wisdom tells us that advisers tell employers and employers (or their trustees) tell staff. Staff get what they’re given because bosses know better and advisers know best. But what … Continue reading
Posted in pensions
Tagged advice, advice gap, auto enrolment, Business, Defined benefit pension plan, DWP, Employment, Government, nature, pension, Pension new, pension playpen, pensions, Retirement, vacuum
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85 million reasons for change! Why pension tax relief is front page news.
The Daily Express has picked up on the “loophole” caused by the increase in the nil rate band that is denying £85m of pension tax relief at source to part time workers (and the very low paid) in occupational pension … Continue reading
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Tagged auto enrolment, Business, Defined benefit pension plan, DWP, Employment, Government, HMRC, NAPF, net-pay, occupational pensions, Pension new, pension playpen, pensions, relief at source, tax relief, Treasury
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“There’s opportunity in complexity”
This, believe it or not, is the new strap-line for State Street Global Adviser’s push into the UK DC market with their target dated funds which are – it seems – reassuringly complex. To boot There are two ways of … Continue reading
Understanding the Great Fall of China (in the pub).
While y’all went on holiday, market analysts threw a tantrum , Emerging stock Markets tanked and the Developed Markets went red and green faster than a traffic light. I love writing this stuff, it makes me feel grown up – like I had some job … Continue reading
The markets are back but the damage is done.
There are those who thrive on the ups and downs of the stock market; high frequency traders take fractional advantage of moves up and down and like wind farms, make most when it’s stormy. You can buy and sell this … Continue reading
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Tagged annuity, auto enrolment, Business, CDC, China, collectives, corporate governance, corporate risk, damage, dc pensions, Defined benefit pension plan, Financial services, Government, income drawdown, Paul Lewis, Pension new, pension playpen, pensions, Retirement, The Great Fall of China
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What passing bells for those who work as cattle?
It’s currently cool to talk about treating your workforce as a commodity. Evidence- Jeff Bezos can get on the Front Page of the New York Times for his experiments in office cruelty. “Amazon is successful right now- Bezos must be getting … Continue reading
Why I think we’ll avoid a capacity crunch.
The predictions are dire – mass non-compliance – auto-enrolment brought into disrepute and pensions marched out of the last chance saloon and replaced by ISAs. It is as if some of my colleagues actually want this to happen- not that … Continue reading
Posted in pensions
Tagged annuity, auto enrolment, Business, Defined benefit pension plan, Employment, FAMR, FCA, Lesley Titcombe, pensions, Ros Altmann, TPR
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