Tag Archives: Defined benefit pension plan

For now- fill the potholes – but we need a new road!

Posted on November 14, 2015 by henry tapper

In an excellent article in Money Marketing, Nic Cicutti offers us the following analysis of how pension policy has progressed in the past thirty years The defining moment in financial services was the introduction of the 1986 Social Security Act, … Continue reading →

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Why financial education can only go so far….

Posted on November 8, 2015 by henry tapper

You know when you have a guilty thought and you can’t share it with anyone. And then, quite by chance, someone repeats that thought back at you – and you feel relieved, ashamed and a little bit angry all at … Continue reading →

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“TEEN-AGE kicks” – incentivising sensible spending in retirement

Posted on November 6, 2015 by henry tapper

“A teenage dream’s so hard to beat.. Just say those words and I’m thinking  1978, radio under the pillow – John Peel show – 11pm. But I could relive the TEEN- AGE kicks in a few years time, if that … Continue reading →

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When is a fiduciary independent?

Posted on October 30, 2015 by henry tapper

It’s a question asked by Karen Wake on twitter @JosephineCumbo @henryhtapper @DominicLindley @greggmcclymont So … what is "independent"? We might be chasing a tornado here — Karen Wake (@pensionmonkey) October 29, 2015 I’m not into chasing tornadoes so I’ll try … Continue reading →

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Helping employers with pensions – you don’t have to be an IFA!

Posted on October 27, 2015 by henry tapper

Since RDR in January 2013, the number of IFAs operating in Britain has more than halved from 50 to 24,000. The ban on commission or its sibling “consultancy charging” has made it all but impossible for IFAs to make money … Continue reading →

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PLSA to be of help?

Posted on October 20, 2015 by henry tapper

  Yesterday , the good egg that is Jonathan Stapleton forwarded me the PLSA’s press release announcing their initiative to help small business’ understand workplace pensions. The Pitch is straightforward “The Pensions and Lifetime Savings Association knows pensions inside out … Continue reading →

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If not CDC – what?

Posted on October 18, 2015 by henry tapper

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 →

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“Two nation pensions” – why I can’t make the NAPF this week

Posted on October 11, 2015 by henry tapper

  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 →

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Does “People Power” make for better pensions?

Posted on October 1, 2015 by henry tapper

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 →

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85 million reasons for change! Why pension tax relief is front page news.

Posted on September 28, 2015 by henry tapper

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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