here’s what you’ve been saying
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Tag Archives: Freedoms
“Five years of freedom” – is evolution enough?
The Defined Contribution Investment Forum have commissioned an excellent body of research from Richard Parkin and Ignition House. The result is a packed report running to over 60 pages that provides a new insight on the problems individuals are facing … Continue reading
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Posted in advice gap, age wage, CDC, pensions
Tagged CDC, DCIF, Evolution, Freedoms, Igntion House, Pension Freedoms, pensions, revolution, Richard Parkin
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Pension tax transparency a long way off
The malaise with pension taxation goes much deeper than the immediate symptoms, the complexity of the Annual and Lifetime allowances, the obscurity of the money purchase annual allowance and the perversity of the running both net pay and … Continue reading
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Posted in pensions, steve webb, Treasury
Tagged Freedoms, HMRC, HMT, Pension Freedoms, pensions, Tax, tax relief
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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
2 Comments
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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