Tag Archives: Freedoms

“Five years of freedom” – is evolution enough?

Posted on November 15, 2019 by henry tapper

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 →

Posted in advice gap, age wage, CDC, pensions | Tagged , , , , , , , , | 3 Comments

Pension tax transparency a long way off

Posted on October 27, 2019 by henry tapper

    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 →

Posted in pensions, steve webb, Treasury | Tagged , , , , , , | 2 Comments

Is the tide turning in favour of pensions?

Posted on November 26, 2018 by henry tapper

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 →

Posted in accountants, actuaries, auto-enrolment, pensions | Tagged , , , , , , , , | Leave a comment

Payroll are tomorrow’s Pension Experts!

Posted on October 11, 2018 by henry tapper

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 →

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

CDC – the nuclear fission of the pension system.

Posted on January 2, 2018 by henry tapper

  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 →

Posted in actuaries, advice gap, CDC, defined ambition, pensions | Tagged , , , , , , | 2 Comments

Are defaults enough? Or do we need compulsion?

Posted on March 7, 2017 by henry tapper

  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 →

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

Was DC the only choice for the Tata Steelworkers?

Posted on February 16, 2017 by henry tapper

      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 →

Posted in actuaries, advice gap, FinTech, Jersey, pensions, Pensions Regulator, Politics, pot | Tagged , , , , , , , , , | 1 Comment

Doesn’t pension freedom extend to Defined Benefits?

Posted on October 18, 2016 by henry tapper

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 →

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

Supply-side woes , buy-side goes; the disappearing pension billions

Posted on June 17, 2015 by henry tapper

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 →

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

Let my pension go!

Posted on June 5, 2015 by henry tapper

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 →

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