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Tag Archives: Government
Making a buyer’s market for pensions
Organisations such as Which have always charged a subscription for their research. Those prepared to pay a regular monthly amount built libraries of reports which help us purchase everything from groceries to credit cards. Which put its readers in control- … Continue reading
Posted in advice gap, alvin hall, Martin Lewis, pensions
Tagged Business, Buyers, corporate risk, dc pensions, Financial services, Government, Life annuity, Martin Lewis, MSE, National Employment Savings Trust, Pension Regulator, pensions, Politics, Public Sector Pensions, Retirement, social media, Steve Webb, Which, workplace Pensions
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Auto-enrolment’s tactical- pensions are strategic
The old questions “are you managing your business or is your business managing you?” and “fail to plan, plan to fail” are annoyingly true- annoying because they are business clichés and doubly annoying as they remind us of the … Continue reading
Why the IMA are so wrong about fund research.
There had been signs that the Investment Management Association (IMA) was at last coming to terms with the needs of consumers and those who advise them to reveal the cost of owning their funds. In May , Daniel Godfrey- its … Continue reading
Posted in annuity, pensions
Tagged Banks, Business, Dealing, Employment, Financial services, Funds, Government, IMA, pension, Research, Retirement, Spreads, Steve Webb, Transactions
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Pension PlayPen needs your digits.
Digital marketing is something we’re having to learn as we go along. We’ve got to find 1,000,000 employers who don’t have a workplace pension and convince them of the importance of paying some attention to what their staff invest … Continue reading
Posted in Facebook, Linkedin, pension playpen, pensions, Personality, twitter
Tagged Business, dc pensions, Defined benefit pension plan, DWP, Employment, Financial Services Authority, Government, Investment management, Life annuity, linkedin, pension, Pension new, pension playpen, pensions, Politics, public sector, social media, Society
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These you have loved (the pension brands that fell by the wayside)
Here is a list of the insurers participating in the ABI’s DC legacy review and the brands under which they provide (or originally provided) DC workplace pensions. Abbey Life Abbey Life Assurance Hill Samuel Life Assurance Target … Continue reading
Private savings to rescue public finances
I wish Trevor Llanwarne well as he retires as Government Actuary, hoping he’ll take advantage of the 10.3% pa uplift in the BSP if he defers his State Pension till 2106. If he, as many of his civil servant buddies … Continue reading
Will CDC be available to everyone with a DC pot – or just a lucky few?
A snag has emerged in the Drafting of the Pension Schemes Bill (that will introduce Defined Ambition and with it CDC). It’s one of those little things that seems easy to fix but which has potentially huge consequences, a bit like … Continue reading
Posted in advice gap, CDC, DWP, now
Tagged Business, CDC, corporate risk, dc pensions, DWP, Financial services, Government, Guidance, National Employment Savings Trust, Pension new, pension playpen, pensions, Retirement, Steve Webb
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How retirement products evolve (and revolve).
There are three drivers that shape the evolution of financial products – supply, demand and Government intervention. Between the mid 80s and today Britain has seen a Financial Services Revolution that has been no less dramatic than the agrarian … Continue reading
Posted in auto-enrolment, Bankers, corporate governance, Financial Education, pensions
Tagged annuity, Business, Defined benefit pension plan, DWP, Employment, Government, Investment, National Employment Savings Trust, pension, Pension new, pension playpen, Retirement, Steve Webb, Treasury
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Time to ditch the “institutional” from pensions
There has always been a gulf between retail and institutional pensions. But I have never felt it so inappropriate . Retail pensions were sold on commission, organised by insurance company and regulated by the Treasury via the FCA and its … Continue reading
Posted in advice gap, annuity, Payroll, pension playpen, pensions
Tagged Business, corporate risk, dc pensions, Defined benefit pension plan, DWP, Employment, Financial services, Government, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Regulator, pensions, Retirement, Steve Webb
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10 things we’d see in Monday’s Guidance Guarantee!
Tomorrow (Monday 21st July), the Government will announce how it intends to deliver the guidance guaranteed to those reaching state pension age. We want an independent process that helps people take decisions rather than telling people what to do. We can’t … Continue reading