Tag Archives: investment pathways

“Taking CDC out of the hands of actuaries and lawyers”

Posted on August 22, 2022 by henry tapper

What does “taking CDC out of the hands of actuaries and lawyers” mean? — Mike Harrison (@HigherEdActuary) August 20, 2022 Mike usually picks up on the real point I am trying to make in a blog. A couple of blogs … Continue reading →

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How can CDC Decumulation provide inflation protection? – Con Keating

Posted on April 7, 2022 by henry tapper

This blog from Con Keating is technical and designed to help the DWP ,tPR and others , when thinking about how to encourage inflation protection in the pathways on offer to savers in retirement.  Member options for retirement income Introduction … Continue reading →

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IGCs duties to savers are clear, their duties to spenders aren’t.

Posted on October 5, 2021 by henry tapper

The latest statement of intent by the FCA to improve value for money in workplace pensions arrived yesterday as Policy Statement  21/12.  This is not a discussion paper but new rules which came into force yesterday and the not so … Continue reading →

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Can Pension Wise deliver a financial vaccine?

Posted on May 10, 2021 by henry tapper

Yet another consultation (the 11th this year) arrives from the FCA, looking to nudge people of my age into the arms of Pension Wise and away from scammers. This looks sticking plaster on a wound that will continue to bleed … Continue reading →

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Why is the PLSA laying into Guy Opperman?

Posted on April 23, 2021 by henry tapper

What is going wrong? It appears that the PLSA has fallen out with the DWP and the Pensions Minister in particular. Yesterday the PLSA’s Director of Policy publicly criticized the Pension Minister for failing to adopt its proposals on “Guided … Continue reading →

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IGCs should take providers to task over the MaPS “price comparison” site

Posted on February 7, 2021 by henry tapper

  Jo Cumbo and the FT are road testing the Government’s new pensions comparison site which helps people select a later life provider to pay them their money back via the four investment pathways. The worry for Jo and it’s … Continue reading →

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Wrong in the right way – LGIM are right in everything but their conclusions

Posted on January 29, 2021 by henry tapper

RIP’s or investment pathways as they are more commonly known, don’t default you into a course of action but ask you to choose between four courses of action (with the option to do whatever you like as a fifth). They … Continue reading →

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A user’s guide to AgeWage.com

Posted on August 18, 2020 by henry tapper

As regular readers will know,  I campaign for better information to be made available to savers about their pension pots and to help people understand their pot, have formed a company, AgeWage.  AgeWage.com helps people make sense of their pots … Continue reading →

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We need to take people and their pension savings more seriously.

Posted on August 13, 2020 by henry tapper

There is a section of the FCA’s rulebook  entitled PERG/8/28 which deals with the vexed subject of guidance and advice. . When answering the question “do you give advice?” PERG/8/28 is helpful. The Pension Advisory Service  sees advice as “delivering … Continue reading →

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IGC reports “good to very good”- as L&G closes member helpline.

Posted on April 4, 2020 by henry tapper

  Since publishing this article , LGIM has made a statement on the closure of the L&G helplines – you can read the statement here L&G’s IGC has published its fifth report for savers ; here is the link  for … Continue reading →

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