"falls in contribution rates have begun to emerge" The LGPS Survey 2026 undertaken by Room 151 in association with Schroders…
Yes, follow-up on the many benefits of Auto-Enrollment with the benefits of Auto-Consolidation, with opt-outs again for the sophisticates who…
The great advantage of a DC pension controlled by the beneficiary is complete control over the cash flows during decumulation…
"Pensions that are linked to salaries and/or inflation pensions are largely extinct in the private sector because they are unaffordable."…
Tag Archives: IGC
Royal London IGC report – a welcome shift in focus
Royal London are (as usual), the first IGC to report. They have been kind and sent me the Chair’s Statement which saves me searching. But it’s easy to track down here The IGC has delivered a really interesting read which … Continue reading
Posted in IGC, pensions, Retirement
Tagged ESG, FCA, IGC, pensions, Peter Dorward, Plan, Responsible Investment, Royal London
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How savers can change the world
Direct involvement with the way your savings are invested I spent time (on Zoom) with a young entrepreneur whose business it is to get people to change the behaviours of companies they invest in. I won’t go into detail about … Continue reading
Who will patrol the investment pathways?
Investment pathways are the big idea to help those getting to 55 and with pension freedom in sight. From August, people will be presented with four paths for their money. One takes them to a point when they can … Continue reading
Posted in IGC, pensions
Tagged David Hare, FCA, GAA, governance, IGC, music, pensions, Phoenix, Pitmans, PSITL, Reassure
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My ethics are my own
I appear to be under fire on twitter for claiming I am investing ethically by purchasing units in the LGIM FutureWorld fund. I am aware that this fund is not strictly an ethical fund and that my investment isn’t an … Continue reading
Will IGC’s be stung into action by the Bee?
I’m pleased to see that research conducted by PensionBee, has revealed a rapidly emerging mainstream consensus among 2000 of their customers regarding where – and how – they want their money invested. Over 80% of those surveyed want transparency … Continue reading
“What do people want?” – a question for IGCs
The saddest statement I heard last year was from an adviser who told a room “we have given up reporting on outcomes, outcomes always disappoint”. It is not just IFA’s who don’t like to report on the outcomes of … Continue reading
The FCA move on insurance company funds.
The FCA have produced some important findings on Unit Linked Fund Governance as a follow up to their Asset Management Market Study (PS18/8) – AKA – AMMS This paper is important as it goes to the heart of the … Continue reading
Posted in advice gap, age wage, Force for Good, pensions
Tagged FCA, Fund, Fund Manager, IGC, pensions, trustee
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The DC Trust – a pension appendix
The appendix Nobody knows exactly why we have an appendix, but removing it isn’t harmful. Appendicitis typically starts with a pain in the middle of your tummy (abdomen) that may come and go. (NHS inform). I feel much the same about … Continue reading
The value you get for your pension money
Independent help for all pension savers I started yesterday in the swanky new film studio under the FT’s Bracken House. It had to be built on stilts and sound and vibration sealed as the district line runs right below it. … Continue reading
Posted in advice gap, age wage, pensions
Tagged AgeWage, IGC, Pensions, Richard Butcher, ruston smith, trustee, Value for Money
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As an AMNT committee member we widened our constitution this week to spread the mentoring, networking and best practice dissemination…