Tag Archives: IGC

My ethics are my own

Posted on February 1, 2020 by henry tapper

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 →

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

Will IGC’s be stung into action by the Bee?

Posted on January 28, 2020 by henry tapper

  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 →

Posted in age wage, pensions | Tagged , , , | 1 Comment

“What do people want?” – a question for IGCs

Posted on January 23, 2020 by henry tapper

  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 →

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Why the FCA cares about IGCs

Posted on December 20, 2019 by henry tapper

New powers for IGCs Slipped into the wash-up of consultation responses and Calls for Input published in the last full business week of 2019 was the FCA’s PS19/30 which substantially extends the role of IGCs IGCs currently provide independent oversight … Continue reading →

Posted in dc pensions, ESG, IGC, pensions | Tagged , , , , | 1 Comment

The FCA move on insurance company funds.

Posted on September 30, 2019 by henry tapper

  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 →

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The DC Trust – a pension appendix

Posted on July 14, 2019 by henry tapper

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 →

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The value you get for your pension money

Posted on July 10, 2019 by henry tapper

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 →

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Can pension ratings be “too simple”?

Posted on May 5, 2019 by henry tapper

  To my mind , the only meaningful way that someone using a workplace or personal pension can test for value for money is by comparing the money they put in with the value they get out. This is known … Continue reading →

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

From zero to hero – the Hargreaves Lansdown IGC report

Posted on April 12, 2019 by henry tapper

Hargreaves Lansdown’s (HL) 2015 -16 IGC report was embarrassingly bad. I got cross that a successful funds platform didn’t put its back into independent governance. Hargreaves’ Vantage product (now HL Workplace Pension)  was at the time being widely promoted as … Continue reading →

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ReAssuring us through its IGC?

Posted on April 12, 2019 by henry tapper

A word on padding The first thing you notice about the ReAssure IGC report is stock images. Page one and two are entirely devoted to them, page three and four have one, page five has five and page six is … Continue reading →

Posted in governance, IGC, pensions | Tagged , , , , , | 2 Comments