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

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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

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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

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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

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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

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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

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Time for workplace pensions to raise their game! Invest responsibly or lose our trust!


Here are some sad truths about the way that auto-enrolment workplace pension providers manage your money. Recent research by Ignite UK suggests that we expect fund managers to manage responsibly. If this is the case, people are not having their … Continue reading

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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

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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

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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

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