The observation that retirees 'don't have a clue' understates the advice gap rather than member apathy. Generative tools may finally…
I stand corrected. My apologies. The only overrides to that 2007 legislation were during Covid when the earnings link was…
The earnings increases that can now be expected in2027, 2028 and, probably, 2029 are not part of the triple-lock. It’s…
I suspect you mean that the 2.5% floor won’t be the binding element in 2027? The earnings part of the…
Tag Archives: FCA
Value for Money – a new way forward with a Pension Schemes Act?
The FCA have led the Value for Money, unlike previous versions where TPR led but hand in hand with it. The Government is progressing the Pension Schemes Bill 2025 to create new rules for certain trust-based pension schemes with defined … Continue reading
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Tagged FCA, Pension Scheme Bill, Pensions, Pensions Scheme Act, TPR, VFM
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The FCA – less messing about – more action
In 2024 it announced 41 enforcement actions, and in the 2025 calendar year there were 33, both above its historic annual average of between 20 and 25. “We are conducting fewer investigations, faster,” Therese Chambers (one of two enforcement directors) … Continue reading
Why are investment trusts excluded from the Pension Schemes Bill?
William MacLeod Speaking in the House of Lords today during the Pensions Schemes Bill second reading both Baroness Ros Altmann and Baroness Sharon Bowles , asked a very simple question: Why have listed investment companies been excluded from the Bill? … Continue reading
Posted in pensions
Tagged corporate governance, corporate risk, dc pensions, Employment, FCA, Financial services, Investment, Pensions, politics, Ros Altmann, Sharon Bowles, Treasury
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“Yet to buyers” and “propertied pensioners”; we should have the spaces we need
Martin Arnold brings the pensioner together with the first time buyer in this fascinating article. He is talking in the FT about the work of the FCA, an organisation that is really getting its act together. It [FCA] also plans … Continue reading
SASA – (Stagecoach Aberdeen Scheme Adoption) – the video and deck
If you missed this coffee morning presentation from John , you are in luck. It’s with you below, with a download if you want to share it – here. If you want to see the slides they are below and … Continue reading
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Tagged Aberdeen, Business, corporate governance, Defined benefit pension plan, DWP, FCA, Government, pension, pension playpen, Pensions, Retirement, SASA, Stagecoach
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Can FCA promote growth in the UK or do we need Martin Lewis?
Martin Lewis has promoted his growth measure to ordinary people. You can watch him on YouTube at the end of this blog. Nikhil Rathi has written to the Prime Minister and it’s a letter pro-growth measures. You can read it … Continue reading
The embarrassing lottery of the default “pension” pathway.
The analysis of what’s happening by default to people’s DC pots is from Peter Osthwaite and published in Professional Pensions. The four pathways devised by the FCA to lead people to retirement take people to very different places. For some … Continue reading
Posted in pensions
Tagged Contract, default, FCA, Pathways, Pension Schemes Bill, Pensions
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Public Policy Adjustments to Increase UK Investment from Defined Benefit Schemes
Defined Benefit Schemes : Public Policy Adjustments to Increase UK Investment and Encourage Exercise of Discretion Policy Opportunities for HMT / DWP / DBT From William McGrath of C-Suite The impact of the measures below would be to increase investment … Continue reading
Blackmore Bond Holders will get FSCS claims paid – Carlier.
A background blog from 2022 is available here. How the FCA failed those sold Blackmore Bonds . It took strong campaigners to make a difference, congratulations who were strong and have. Paul Carlier is a strong advocate for transparency, fairness … Continue reading
Tom McPhail questions the value for money from our pension regulation
We would all enjoy eating sausages a bit less, so the story goes, if we could see what goes into them. Well, you’d probably feel the same way about pension regulation if you could see how much it is costing … Continue reading
The DWP has responded to calls for the State Pension to be increased to at least £14,500 a year –…