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Tag Archives: Government
Don’t blame the young for the way they save – don’t blame the old for the way they spend!
The World Economic Forum has issued a report into retirement savings that concludes that most of us will be bound to the outcomes of defined contribution savings plans rather than the beneficiaries of defined benefit pension plans Don’t blame the … Continue reading
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A consultation on who waggles the willy
Having moaned yesterday that I couldn’t find it – today I’m moaning that now I have, I shouldn’t have bothered! I don’t want to intrude into private grief but that’s what the DWP’s consultation following its publication of the DB … Continue reading
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Posted in pensions
Tagged DWP, DWP select, DWP select committee, Government, pensions, TPR, White paper, willy wagtail
4 Comments
Falling out of love with the market.
The most startling thing about the conservative manifesto is that it advocates Government intervention as a way of improving those just about managing in Britain. This is a very different approach to that of previous Governments that relied on competition within markets. From labour markets, through energy, telecoms and pharma to financial services, the […]
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Posted in pensions
Tagged Conservative, FCA, free market, Government, market economy, regulation, TPR
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Falling out of love with the market.
The most startling thing about the conservative manifesto is that it advocates Government intervention as a way of improving those just about managing in Britain. This is a very different approach to that of previous Governments that relied on … Continue reading
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Posted in pensions
Tagged Conservative, FCA, free market, Government, market economy, regulation, TPR
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A pensions dashboard brings its own risk.
A need for pension I am keen not to pour cold water on the pensions dashboard, but I am not having it promoted as the game-changer to savings behaviour. The pensions dashboard is what Martin Clarke, the Government Actuary, refers to … Continue reading
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Posted in advice gap, pensions
Tagged ABI, FinTech, GAD, Government, John Cridland, Martin Clarke, pension, Pensions Dashboard, Treasury
2 Comments
Can the Government nudge us to be proud to rent? #housingwhitepaper
Within an hour of the document’s publication, Paul Lewis had delivered his verdict and people were keen to endorse it. I was not one of them. The UK housing market is too big a ship to be turned round by … Continue reading
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Posted in pensions
Tagged Brexit, build to rent, Buy to own, Buy to rent, Buy-to-let, Government, house price, Housing White Paper, Paul Lewis, pride, rent
1 Comment
Is pressure building on financial services?
One test of populism will be the extent to which “populist” Governments take on the cost of saving and investing. We are used to “bank bashing”, they were the justifiable targets of public wrath for the savings and loans crisis, … Continue reading
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Posted in pensions
Tagged Asset management, charges, costs, Government, Taxation, Technology, the FCA, The Pensions Regulator, Transaction costs
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Myopia and the alternative fact
Not all prejudice is ill-intentioned, I know the author of this comment on a recent blog. He is not ill-intentioned – just short-sighted. There is no one interested to have defined benefit pensions in the UK. They are seem as … Continue reading
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Posted in pensions
Tagged Beveridge, DB, dc, Government, Investment, Plan, retail, Savings, Treasury, Vision
2 Comments
“Nothing” is very much wrong with defined benefit pension schemes.
This week I was asked this question by a civil servant (not directly involved with pensions). Ignorant question: What in regulation or law would prevent a DB pension scheme being valued based on the actual assets as opposed to the … Continue reading
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Posted in accountants, actuaries, pensions
Tagged Actuarial, Con Keating, Derek Benstead, Government, nada te turbe, pensions, Wendy Handcock
4 Comments
Respect for the self-employed
It’s a truth as old as the hills that there are two types of self-employed. Those who choose to be and those who have no choice. Most people who read this blog have more experience with the “professional” classes who … Continue reading
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Posted in pensions
Tagged DWP, Economy, Government, HMRC, Matthew Taylor, National Insurance, Paul Lewis, pensions, RTI, UK
2 Comments
