Tag Archives: HMRC

Pubs or jobs?

Pubs This is daft, no one is being asked to patrol in Helmand Province or down the Falls Road, sleep in the mud of the Somme. Maybe it could herald an about-turn of the slump in pub life? Either way, … Continue reading

Posted in consolidation, coronavirus, pensions | Tagged , , , , | 1 Comment

Mothball or keep going?

Many small businesses are faced with a stark choice. Should they go into lockdown and effectively mothball what they have – for later reuse? Or should they move on and find a way to deliver some or all of their … Continue reading

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Three little pots went to market

The point of this blog is to show 1. One way of avoiding the damaging impact of the MPAA on future saving 2. The depth of knowledge needed to make good at retirement decisions (especially where there is no adviser … Continue reading

Posted in advice gap, age wage, Big Government, pensions | Tagged , , , , , , , , | 3 Comments

Dip into your pension at 55 and you could be “pension non grata”.

Most people know they can draw the money in their pension pot from 55, and because they can – they do. Very few sustainable drawdown plans are established by people in their fifties and very few annuities. 55% of annuities … Continue reading

Posted in annuity, pensions | Tagged , , , , , | 4 Comments

Right in principle – wrong in practice. Ros Altmann’s tax reforms need more work

  Ros Altmann is bang on the money when proposing we link healthcare and pensions in her most recent blog The big picture policy issue for the UK is how to afford a healthcare system that is free at the … Continue reading

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

HMRC – pay up on your pension promises!

I’m a member of the Net Pay Action Group and I’m going to hold this Government to the promise it made in the Conservative Party Manifesto. We have a “pre-cooked” way to stop 1.7m low earners being diddled out of … Continue reading

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

What “fair pensions” might mean in the next five years.

  Jim Coney writing in the Times , explains his thinking on pensions tax-relief. He is right to point to the likelihood of major reform of the current system within the next 5 years. If the Conservatives are going to … Continue reading

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

Jo’s pension manifesto

Sometimes someone comes out with a simple statement that makes sense of all the noise. Jo Cumbo launched her pension manifesto in the pages of Pensions Expert this week and I don’t want them to be lost to readers of … Continue reading

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Pension tax transparency a long way off

    The malaise  with pension taxation goes much deeper than the immediate symptoms, the complexity of the Annual and Lifetime allowances, the obscurity of the money purchase annual allowance and the perversity of the running both net pay and … Continue reading

Posted in pensions, steve webb, Treasury | Tagged , , , , , , | 2 Comments

For everyone’s sake – let’s sort pension savings incentives this budget.

    Diversity is about including and it’s so important to pensions that we now have a minister of pensions and financial inclusion. A big part of the minister’s job is to create diversity – including not just men and … Continue reading

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