Extending time horizons can ease short-term funding pressure, but it shifts risk toward younger members. Reform should make those intergenerational…
I've just come across this letter from Smithers, covering DB pensions in general and the USS in particular. https://smithers.co.uk/extending-the-liabilities-time-horizon-is-key-to-pensions-reform/
Great. A chance to nit-pick something from Steve Webb. The Married Woman’s Option finished in 1977, not 1978. SERPS was…
I was told by the Pensions Service, that if I divorced my husband before I retired, I would get a…
Tag Archives: Guidance
No demand, no supply, no advice- wonder why?
No demand? We learn today that advisers are not demanding providers rebate them portions of their client’s funds to pay for their pension related services. This is really odd; as pension funds are tax-advantaged and investors are missing out on tax-advantaged … Continue reading
Posted in pensions
Tagged advice, Demand, Guidance, Pension Wise, pensions, Tad advantaged, Tax
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A single guidance service
The simple idea of merging the functions of The Pension Advisory Service, Money Advice Service and Pensions Wise under a single “Guidance” banner makes a lot of sense. It acknowledges that the current situation is working too well and supposes … Continue reading
Pension Wise+Pension Dashboard=?
You’ve probably seen the splurge of advertising for Pensions Wise, as it eases towards a new brand. Odd! Someone’s got a budget to burn! In a couple of months we’ll have a new brand and a whole load more rules … Continue reading
Posted in pensions
Tagged advice, Guidance, Margaret Snowden, Pension Dashboard, pension reform, Pension Wise, Treasury
4 Comments
My hour with Pension Wise (5 myths dispelled)
Pension Wise is in the news today as it is likely to form part of a new (yet to be named) single advisory organisation covering debt and pensions. At a time of uncertainty, I can add some certainty, the Pension … Continue reading
Posted in pensions
Tagged advice, Guidance, Help, pension, Pension Wise, Retirement, Technology, TPAS
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“Not complaining, just saying” – DWP + HMT screw-ups + how to deal with ’em
Yesterday saw two issues re-emerge from Government announcements that were inaccurate and confusing. Both show that even with their army of lawyers, the Treasury and DWP still make fundamental errors that were they to be made from the private sector … Continue reading
Posted in pensions
Tagged advice, auto enrolment, compliance, FCA, Guidance, net-pay, Pension Wise, pensions, relief at source, TPR
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Social media – “everybody’s doing it – so let’s not do it at all!”
I rode down to the Jumeirah Carlton Tower (no less) to speak at “Social Media for Marketing”, a sell-out conference which in headlines offered GUIDANCE, COMPLIANCE & FUTURE TRENDS At the risk of homogenising the other (excellent) speakers, this … Continue reading
Posted in pensions
Tagged compliance, Facebook, future trends, Guidance, investment marketing, social media, twitter #investmentSM
3 Comments
“How can government ensure people get the pensions advice they need?”
I’ll find myself , at the beginning of the day, on a panel charged by Jon Cudby with John Moret and other financial services dignitaries discussing the New Retirement Freedoms I’ll find myself, at the end of the … Continue reading
Thus speaks the Regulator – and TPAS too!
Some help is at hand for Britain’s SMEs and their business advisers, but there needs to be signposting to specialist advisers that can apply tPR’s guidance and offer a “definitive course of action”. The Pension Regulator has published some … Continue reading
Posted in pensions
Tagged advice, auto-enrolment-net pay, DWP, Guidance, Pension Advisory Service, Pension Regulator, PR, relief at source, The Pensions Regulator, TPAS
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I smell a (pensions) rat – what can I do?
An advert appeared yesterday on the Pension Play Pen Linked In Group.. If you’re in our Group, you can see it here The organisation – Save My Pension is offering a “route to market” with the message from its Director Danny Smith … Continue reading
Posted in pensions
Tagged advice, alternative investment, Employment, Financial services, Fraud, Gallium, Guidance, Investing, Investment, Investment management, liberation, occupational pension scheme, Pension Liberation, pension playpen, Pension Regulator, pension scheme, Retirement, route to market, Scam
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IFAs and actuaries – as easy as “A Cap B”.
For half of the 30 years I’ve been advising people, I was paid by private individuals to help them take difficult financial decisions. For the other half, I’ve been paid by employers to help their staff take difficult decisions. This … Continue reading
Posted in actuaries, advice gap
Tagged actuaries, Actuary, advice, Business, corporate governance, dc pensions, Financial services, Government, Guidance, IFA, National Employment Savings Trust, pension playpen, Pension Poverty, Pension Regulator, pensions, Politics, Steve Webb, transfers
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When taxation is retroactive it will change behaviour. Be careful with envy focused legislation promote real solutions to British poor…