here’s what you’ve been saying
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Tag Archives: IGC
Did I get “value for money” from my workplace pension
Am I getting value for money from my workplace pension? is a different question to Did I get value for money from my workplace pension? the difference is more than one of present and past tense. The first question … Continue reading
Posted in advice gap, age wage, pensions
Tagged AgeWage, Disclosures, IGC, pension, pensions, trustee, Value for Money, VFM
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By the time I get to Phoenix
Glen Campbell’s masterpiece is the musing of a man who has left his woman a note on the door – explaining he’s leaving. Each verse tracks his journey through Phoenix, Albuquerque and beyond and how he imagines she’ll wake up … Continue reading
Do IGC’s improve our value for money?
This is the 7th and penultimate blog , addressing the Work & Pensions Select Committee’s questions on pension transparency. This time the exam question is Are Independent Governance Committees effective in driving value for money? My short answer is that … Continue reading
Posted in pensions, WPC
Tagged IGC, L&G, Marketing, pensions, Prudential, Royal London, Technology, VFM, WPC
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How important is investment transparency to savers?
This is the 5th of a series of eight blogs addressing the eight questions posed by the WPC. Today’s exam question is How important is investment transparency to savers? A short answer is ” a lot more important than most … Continue reading
Posted in advice gap, pensions, WPC
Tagged chris sier, Fidelity, Hargreaves Lansdown, IGC, pensions, Transparency
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How can savers be encouraged to engage with their savings?
This is the 4th of eight blogs considering the questions put to us by the Work and Pensions Select Committee. Today’s exam question… How can savers be encouraged to engage with their savings? Quick answer; either we can convince … Continue reading
Posted in auto-enrolment, pensions, WPC
Tagged auto enrolment, Dashboard, digital, Engagement, IGC, nudge, Savings, trustee, WPC
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Workplace pensions – value for money?
This is the second of eight blogs answering the questions set out in the Work and Pension Select’s inquiry into transparency in pensions. The idea is that this blog, together with comments from anyone who chooses, will go to … Continue reading
Posted in advice gap, pensions
Tagged DWP, FCA, IGC, NEST, People's Pension, TPR, trust, workplace Pensions
6 Comments
Who owns “value for money”?
News from the stalwart Bob Ward that the FCA has dropped the term “value for money” came as a bombshell to participants in yesterday’s Pension Play Pen lunch. Since it’s about the only term left in the financial services … Continue reading
Posted in auto-enrolment, pensions
Tagged FCA, IA, IGC, Investment Association, pension, Value for Money, VFM
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How we get our pension pots invested responsibly.
Victoria Derbyshire’s father taught her when she made contributed to a pension, she wasn’t saving but “spending on her retirement”. The distinction is helpful in differentiating a risk-driven action- “saving” from one that promises deferred gratification- “spending”. For most people … Continue reading
True Potential’s “lost” 2017 IGC report
The True Potential 2018 IGC report is late; just as the True Potential (TP) 2017 IC report was late. The 2017 report never got reviewed by me, I had assumed that TP had packed it in. Bob Ward’s sent me … Continue reading
