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Tag Archives: GAA
Have IGC’s let savers down with impunity?
When it all began Back in 2015 , when the IGC chairs first met, I wrote a blog critical of IGC Chairs and their advisers who seemed to be publicly questioning the purpose behind Independent Governance Committees. You can read … Continue reading
The FCA’s new approach to Pension Value for Money
The Backstory Back in 2014, with the excoriating OFT report fresh to mind, the FCA made a deal with the insurers not to refer the insurers to the Competition and Markets Authority in return for those insurers operating workplace pensions … Continue reading
Posted in advice gap, pensions
Tagged employer, FCA, GAA, GPP, IGC, Value for Money, VFM
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Who will patrol the investment pathways?
Investment pathways are the big idea to help those getting to 55 and with pension freedom in sight. From August, people will be presented with four paths for their money. One takes them to a point when they can … Continue reading
Posted in IGC, pensions
Tagged David Hare, FCA, GAA, governance, IGC, music, pensions, Phoenix, Pitmans, PSITL, Reassure
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IGC reports 2019; what should we be looking for?
For those who don’t follow this blog, I’ve been reviewing IGC reports since 2015/16 and intend to do so again this year. There is very little accountability on the IGCs. Though IGCs were set up to put right … Continue reading
FCA to tame the drawdown bucking bronco!
Yesterday was a good news day for people concerned about retirement income. The FCA made two meaningful statements on what it intends to do to help ordinary people trying to manage their in retirement finances. The first was the … Continue reading
Posted in advice gap, corporate governance, FCA, pensions
Tagged AgeWage, charges, Drawdown, FCA, GAA, governance, IGC, investment pathways, pensions, SIPP
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Did the 2018 IGC reports meet today’s challenges? Only in part.
The table above reports on the various ratings given to IGC reports in 2018, it includes the GAA report of St James Place that is good enough to be an IGC report. I said, when I set out … Continue reading
Posted in IGC, pensions
Tagged CDC, DB transfers, decumulaiton, GAA, IGC, master trust, pensions, Responisble investment
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SJPEXIT and its implications.
Reading Colin Richardson’s excellent Governance Advisory Arrangement (GAA) report on SJP, I realised just how tough it is for anyone who doesn’t work for St James Place to take any sort of decision on an SJP Pension. Here – for … Continue reading
Posted in advice gap, pensions
Tagged Colin richardson, GAA, pensions, SJP, SJPexit, Value for Money
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SJP policyholders deserve an IGC. They have a great GAA – but that’s not enough!
St James Place is one of Britain’s largest financial institutions, it is a FTSE 100 company with 2017 revenues of over £9bn. It is therefore surprising that its exposure to workplace pensions is so limited that it does not need … Continue reading
Posted in IGC, pensions
Tagged GAA, Hargreaves Lansdown, IGC, pensions, SIPP, SJP, wealth management
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How IGCs help employers (and their advisers)
If you read the terms of reference or Chair reports of the IGCs (and GAAs) , it’s the “member” on whom the work is focussed and for whom the reports are written. “Member” is short-hand for policy holder as in … Continue reading
Posted in IGC, pensions, Personality
Tagged Business, customers, employers, Employment, FCA, Financial services, GAA, governance, IGC, members, pension, pensions, Retirement, TCF
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Help of the helpless – the destitute world of the GAA
The words of the song are apt for the Governance Advisory Arrangements I have read. With the exception of that of Mobius they are either elegies for what might have been or a convenient way of getting round … Continue reading
Posted in pensions
Tagged Equitable, GAA, Gaurdian, Governance Advisory Arrangement, Mobius Life, St James Place, Wesleyan
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