Tag Archives: Guidance
Is an annuity an investment product? Perhaps not!
I have been worrying about a presentation I have to deliver to an investment group on the value of annuities. I have long felt that annuities are a rubbish investment and UK annuities a particularly rubbish investment. My confidence … Continue reading
11 tips for advisers planning for April ’15
It’s been four months since the Budget and the aftershocks of George’s pension bombshell are still being fealt. One by one, the policy decisions which will shape the way advice and guidance will be delivered, are falling into place. … Continue reading
Posted in accountants, actuaries, advice gap, annuity, pension playpen, pensions, Pensions Regulator
Tagged advice, Collaborate, First Actuairal, Guidance, IFA, pension, pension playpen, Retirement, Work
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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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The NHS may hold the keys to Guidance
I’m indebted to KPMG research for this excellent piece of research. If you didn’t click the link, here is the text of an article entitled “Can patients get the information they need”. Patients need information that is often very … Continue reading
Posted in advice gap, Guidance, pensions
Tagged Business, Empower, Engage, Guidance, Guidance Framework, Guidance Guarantee, Healthcare, Inform, MAS, NHS, TPAS, trust
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If we can provide health screening – we can provide pension guidance
Organising the Guidance Guarantee is a daunting task but it is no more daunting than many public welfare initiatives. Each year the NHS screens and advises millions of us on a variety of health issues. From STDs to Breast … Continue reading
Posted in advice gap, happiness, Henry Tapper blog, Management, pensions
Tagged Age UK, Business, CAB, Financial services, Guidance, Guidance Guarantee, MAS, National Employment Savings Trust, pension, Pension new, TPAS
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We need to know ourselves to plan the future.
For all the talk of tax, longevity, inflation and investment returns, the technicalities of retirement planning are of secondary importance. In this article , I put these technical issues in a broader perspective. If we are to have sponsored financial education in this country, … Continue reading
Posted in pensions
Tagged advice, At REtirement, dc pensions, de-risking, Defined benefit pension plan, DWP, financial education, Guidance, pension, Pension new, Retirement, Steve Webb
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A great way to deliver the Guidance Guarantee (for the right employer)
Josh Collins In recent weeks, I’ve been taking the temperature of the pension trustees of large employers and found that enthusiasm for providing guidance to employees at retirement is limited. This is understandable. Do trustees want to become surrogate … Continue reading
Posted in advice gap, Blogging, dc pensions, pensions, Personality, workplace pensions
Tagged annuity, Business, Business and Economy, corporate governance, DWP, GMB, Guidance, Guidance Framework, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Regulator, pensions, Politics, Retirement, unions
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Making every minute count -effective Guidance at Retirement
Many people say that you cannot do much to really help people in a thirty minute guidance session. I disagree; more importantly, Michelle Cracknell disagrees. Michelle is the CEO of The Pension Advisory Service … Continue reading
Posted in actuaries, advice gap, auto-enrolment
Tagged advice, At REtirement, Budget, Business, Employment, Financial services, first actuarial, Government, Guidance, pension, pensions, Public Sector Pensions, Retirement, TPAS
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How I want my hard-saved earnings – thoughts on a walk!
Not many people fantasize about the letter they will get from their workplace pension provider when they get to the point they can start spending their hard- saved earnings. As I made my way around Studland Bay, Old Harry … Continue reading
Posted in advice gap, annuity, Bankers, Blogging, CDC, dc pensions, defined aspiration, FCA, Financial Conduct Authority, NEST, pension playpen, pensions
Tagged advice, dc pensions, Defined benefit pension plan, DWP, Employment, Government, Guidance, pension, pension playpen, Pension Protection Fund, pensions, Retirement, Steve Webb
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An open letter to IFAs – advice needed on pensions
I was a self-employed adviser between 1984 and 1995 and know what it’s like to build an advisory business, I made some mistakes, the worst of which was taking too short a view on my relationships with clients. … Continue reading