Tag Archives: GPP

Are employers able to “know their workplace pension”?

Posted on March 8, 2020 by henry tapper

Are employers the provider’s clients? In financial services, the client is the entity that takes the decisions on where the money goes. Whether we define “money” as “pension contributions” or “fees paid”, the employer is seen as the client. It … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , , , , , | 2 Comments

Fidelity’s IGC-the bland leading the blind

Posted on April 11, 2019 by henry tapper

The general reader is introduced to the 2019 IGC report with a statement from Fidelity An IGC is an Independent Governance Committee whose purpose is to represent the interests of policyholders (including active and deferred members) in the company’s relevant … Continue reading →

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

Has Tata the courage of its conviction? (the workplace pension that dare not speak its name)

Posted on January 5, 2018 by henry tapper

  It I’ve been in correspondence with a steelworker who wrote me this Over the past few months when my work colleagues at TATA have been talking about transferring out I suggested the TATA Aviva Plan to them as it … Continue reading →

Posted in advice gap, pensions | Tagged , , , , | 4 Comments

TATA GPP – an investable option for BSPS members with a CETV.

Posted on December 5, 2017 by henry tapper

I’ve received the following note from Aviva with regards the TATA group personal pension which has replaced BSPS as the corporately sponsored pension arrangement going forward. Thanks for your note below re the query you have received from a BSPS … Continue reading →

Posted in advice gap, de-risking, pensions, social media | Tagged , , , , | 15 Comments

Is contract-based versus trust-based really the question? Guest Blog from Ralph Frank

Posted on August 3, 2016 by henry tapper

Automatic Enrolment (“AE”) has resulted in an increase in Defined Contribution (“DC”) pension saving through Master Trusts (“MTs”).  This trust-based approach has overtaken contract-based arrangements, such as Group Personal Pensions, as the most popular form of DC saving.  A key … Continue reading →

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The Pensions Regulator gives IGCs a new row of teeth.

Posted on April 27, 2016 by henry tapper

  It’s not enough- not nearly enough – but at last the Pensions Regulator’s beginning to take workplace pensions seriously enough to offer something close to a decent choice for employers staging auto-enrolment. Yesterday , Andrew Warwick-Thompson, head of policy … Continue reading →

Posted in auto-enrolment, FSA, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , | 2 Comments

Commission – an unwanted risk.

Posted on May 22, 2013 by henry tapper

Remaining in denial only defers and increases risk. Continue reading →

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Replacing the financial salesman in the workplace.

Posted on May 17, 2013 by henry tapper

Auto-enrolment killed this kind of adviser as video killed the radio star. Continue reading →

Posted in advice gap, annuity, auto-enrolment, Payroll, pensions | Tagged , , , , , , , | 13 Comments

Improving governance and best practice – Work and Pensions Committee

Posted on April 25, 2013 by henry tapper

Trail commission has no more place in QWPS than consultancy charging Continue reading →

Posted in auto-enrolment, pensions | Tagged , , , , , , , | 6 Comments

Give a straight red to active member discounts

Posted on March 30, 2013 by henry tapper

What are active member discounts (AMDs) and what’s so wrong with them? Continue reading →

Posted in auto-enrolment, brand, dc pensions, Fiduciary Management, pensions, Personal Accounts, Popcorn Pensions | Tagged , , , , , , , | 19 Comments