Tag Archives: ISA

Who cares? And how do we pay them?

Posted on August 20, 2018 by

News that the Government is mulling a new Care ISA – to be funded from retirement savings will be greeted with joy within the bubble and indifference from the vase majority of people who do not plan for the consequences … Continue reading →

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How can we expect the young to save? Here’s how!

Posted on July 3, 2017 by

The odds are stacked against our kids. Low interest rates make paying a mortgage a cinch But tight credit makes getting a first-time  mortgage a nightmare House price inflation makes first-time buying near impossible And pushes up rents as demand … Continue reading →

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Payroll as distributor; can payroll win the battle of benefits?

Posted on April 13, 2017 by

“Payroll is our next distribution channel”, an insurer assured me last week. We were at Sage Summit, inspecting “Sage People” and the employee benefits package that was launched late last year to Sage 50 users, My mind went back to the late 1990s … Continue reading →

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Getting “generation rent” to save for later.

Posted on October 2, 2016 by

Matthew Vincent has some fun in the FT at the expense of the chin hairs, the Digital Garages and the “app’ll fix it” culture among pension strategists. You can read the fun here https://www.ft.com/content/2926e0ae-86ee-11e6-bcfc-debbef66f80e . (provided you’ve got your FT subs to … Continue reading →

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What do we mean by Independent Financial Education?

Posted on May 22, 2016 by

This is an article that my firm First Actuarial have been sending to their clients. It’s so clear and simple, I thought I’d share it. Of course we’ll be sending it to Andy Haldane at the Bank of England! What … Continue reading →

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Michael Johnson and the Super ISA

Posted on August 26, 2015 by

This is the latest from tax and pensions supremo – Michael Johnson. Love it or hate it – the pensions ISA or Super ISA as Michael calls it- looks set to dominate our thinking over the next few months   … Continue reading →

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Why “pensions ISAs” must be more than ISAs

Posted on July 27, 2015 by

Ros Altmann has recently commented that simply topping up ISAs and calling them “Pension ISAs” is not going to help solve our long-term retirement problems. The danger of using the ISA structure is that it ignores the fundamentals- that people … Continue reading →

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We had it coming!

Posted on July 10, 2015 by

I haven’t read the reaction of the pension hierarchy to the Treasury’s consultation on the future of pension tax relief – I don’t have to. Steve Bee’s tweet “I don’t want to spend the rest of my time on this … Continue reading →

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Tee Time?

Posted on July 8, 2015 by

A couple of weeks ago, I spoke with Michael Johnson about what he thought the budget’s proposals for pensions would be. He reminded me of this paper he had sent me in April and suggested that the Budget would be … Continue reading →

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The Treasury – the office of pension irresponsibility

Posted on March 19, 2015 by

The Treasury should be renamed the office of pension irresponsibility. It wants to milk pensions as the “new banks” and is acting as the political wing of the housing market. It talks fiscal prudence while pushing the bribes of March. For … Continue reading →

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