Tag Archives: DWP

Creating a National Care Service and the triple lock- Andy Burnham

Posted on October 11, 2026 by henry tapper

..we need to be honest about the changes that are needed to pay for it. And I do not believe it makes sense to preserve the current triple lock while so many pensioners face the risk of catastrophic care costs Continue reading →

Posted in pensions | Tagged , , , , , , , , | 2 Comments

Labour Conference promotes CDC

Posted on September 29, 2026 by henry tapper

Craig Moran and First Actuarial; Sue Ferns and Prospect Union : Torsten Bell- DWP and HMT; Andy O’Regan and TPT ; David Pitt-Watson and the House of Lords. Thank you! Continue reading →

Posted in pensions | Tagged , , , , , , , , , , | Leave a comment

“My pension offer” – explaining CDC to a confused sceptic 12 years ago!

Posted on September 21, 2026 by henry tapper

This is a blog I published 12 years ago on 28th September 2014. It is now 12 years old and shows that the debate has been broadly the same for some time! Continue reading →

Posted in advice gap, auto-enrolment, CDC, pensions, with-profits, workplace pensions | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

“Dearie me”; is the national insurance fund -“a fund”- an “accounting convention” or a fraud?

Posted on September 14, 2026 by henry tapper

This blog moves from a tax- moan about someone who could no better, to a defence of how we pay elder people from taxation. Thanks to regular commentator “Dearieme” and Derek Scott and thanks to Ben Wilkinson who got this … Continue reading →

Posted in pensions | Tagged , , , , , , , | 4 Comments

When triple-lock goes, it should be replaced by certainty for our children and theirs.

Posted on September 13, 2026 by henry tapper

Claer Barrett is right to question the need for the state pension to increase in real terms (faster than inflation). This is the debate about the triple lock. But Claer extends this discussion of the need to slow down real … Continue reading →

Posted in pensions | Tagged , , , , , , , | 5 Comments

Should we have a consultation on whether we have a consultation on small pots?

Posted on August 28, 2026 by henry tapper

It must be the last week in August to be a story. We have been consulting about small pots as long as we’ve had workplace pensions and probably longer. There have been no ends of people who have devoted themselves … Continue reading →

Posted in pensions | Tagged , , , , , | 1 Comment

“VFM framework” should follow horse racing’s Time Form and focus on winners and losers!

Posted on August 28, 2026 by henry tapper

It’s the last week in August, so time to drag up the longest running failure to deliver we’ve ever had. Superfunds? Small pot consolidation? Pension Dashboards? VFM assessments? We are not getting good ideas into action. It has not been … Continue reading →

Posted in pensions | Tagged , , , , , | Leave a comment

CDC needs behemoths like BlackRock and it needs “challengers” like Pensions Mutual to provide “collective pensions”

Posted on August 25, 2026 by henry tapper

I am a great admirer of BlackRock as a proponent of collective pensions or “CDC”. Here is Sophie Dapin  with a fresh view on what can be done. We have Royal Mail and will soon have a collective pension for … Continue reading →

Posted in pensions | Tagged , , , | Leave a comment

For collective pensions (CDC) to work well, they must look back as well as forwards

Posted on August 24, 2026 by henry tapper

The big issue in the DC/CDC debate so far has been about the future not the past. Royal Mail with their collective pension scheme have yet to transfer DC pots that postal workers have built up with them. The Retirement … Continue reading →

Posted in pensions | Tagged , , , | 2 Comments

Being all things to everyone’s annoying – Aon should not annoy DWP/HMT

Posted on August 15, 2026 by henry tapper

This was a week when Aon brought employers “all things to all private sector employers” All private companies run workplace pension schemes so Aon run a product for every pension saver. The net accessible market for Aon is every employer … Continue reading →

Posted in pensions | Tagged , , , , , , | Leave a comment