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Tag Archives: Freedoms
Is the tide turning in favour of pensions?
As we reach the last few weeks of the year, I’ve been looking at the stories that are dominating the pension landscape and increasingly they are positive. Despite UK and global equity markets being down on the year, pensions are … Continue reading
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Posted in accountants, actuaries, auto-enrolment, pensions
Tagged auto enrolment, CDC, FABI, Freedoms, pensions, Royal Mail, tide turning, USS, woods and trees
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Payroll are tomorrow’s Pension Experts!
I spoke at the CIPP Conference at the National Exhibition Centre at what payroll can do to help staff understand pensions and in particular – the pension freedoms. Here are my slides I think there are three things that hold … Continue reading
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Posted in Payroll, pensions
Tagged CIPP, first actuarial, Freedoms, Payroll, Pension Freedoms, pension playpen, pensions
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CDC – the nuclear fission of the pension system.
The way we safeguard our pensions today This blog looks at the different way people are protected from mischief depending on what type of retirement savings plan they are in. I’m thinking about this because I have various meetings … Continue reading
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Posted in actuaries, advice gap, CDC, defined ambition, pensions
Tagged CDC, DB, dc, Defined Ambition, Freedoms, nuclear fusion, pensions
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Are defaults enough? Or do we need compulsion?
Well I’m back from 10 days in India where I saw the very rich and the very poor but not much in the middle. I saw some very fine architecture which showed me what can be done when people … Continue reading
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Posted in pensions
Tagged CDC, Drawdown, Freedoms, ft, josephine cumbo, Pension Freedoms, pensions
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Was DC the only choice for the Tata Steelworkers?
Speaking on the radio yesterday, John Ralfe called the decision of Tata Staff to accept the loss of future accrual into a final salary scheme in exchange for a 10% contribution into a DC pension fund as … Continue reading
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Posted in actuaries, advice gap, FinTech, Jersey, pensions, Pensions Regulator, Politics, pot
Tagged British Steel, Defined Ambition, Freedoms, pension freedom, pensions, Ros Altmann, Steve Webb, tata, Tata steel, Technology
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Doesn’t pension freedom extend to Defined Benefits?
The debate about the assumptions we use to decide the state of our defined benefit schemes is in full swing. On the one hand you have those, like John Ralfe who use an approach which ensures that there’s always enough … Continue reading
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Posted in pensions
Tagged DB, defined benefit, Derek Benstead, first actuarial, Freedoms, Guarantee, John Ralfe, pensions, PPF7800, Rob Hammond, The Pensions Regulator, TPR
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Supply-side woes , buy-side goes; the disappearing pension billions
It’s not hard to spend a billion, not if you’re a nation that knows how to spend but finds it hard to save. As Osborne found, a generation of planning can be unwound in a minute. Were the tax rules … Continue reading
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Posted in pensions
Tagged Actuarial science, annuity, auto enrolment, Business, CDC, DWP, Freedoms, Pension Freedoms, pension playpen, pensions, Retirement, Ros Altmann, Steve Webb, TPAS
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Let my pension go!
Pension Fiction? Friends Life has (in it’s new Aviva colours) decided to U-turn and not offer people the freedom of the bank account to its personal pension policyholders. Ros Altmann has laid into the insurance industry- as Pension Minister – and … Continue reading
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Posted in pensions
Tagged Barack Obama, Consumer, Drawdown, DWP, Freedoms, let my people go, Moses, pensions, Ros Altmann
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Is commission really dying?
There has been nothing that has so harmed the image of pensions over the past thirty years as the deception of commission. I don’t want to use phrases such as “lack of transparency” or words like “opacity” words like these … Continue reading
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Posted in annuity, Payroll, pension playpen, pensions
Tagged advisers, annuity, auto enrolment, Business, Commission, DWP, FCA, Freedoms, Human Resources, pension, Pension new, pension playpen, pensions, Retirement, the deception
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Aren’t pensions worth a mention in this election?
Why has there been so little comment this election campaign on pensions? When the rabbit came out of the hat in #Budget2014, many thought the freedom of pensions was the Conservatives great “retail offer”. Has Steve Webb diluted its political … Continue reading
