Tag Archives: NEST

Innovative pensions for the mass of us!


In its Retirement Outcome Review (interim report), the FCA were clear on  evidence of a problem The blame lies not with thick consumers but with lack of competition If competition is not working effectively and consumers make uninformed retirement income decisions this could lead to … Continue reading

Posted in advice gap, auto-enrolment, DWP, pensions | Tagged , , , , , , , | 3 Comments

Financial Planning – a minority sport.


    “Financial planning is a minority sport for the wealthy” – @henryhtapper @NESTInsight pic.twitter.com/HVS0EMlWHt — Talya Misiri (@Talya_PA) July 5, 2017 It was fun debating with Debate Mate and Tom McPhail – who is great mate! A sense of … Continue reading

Posted in NEST, pensions | Tagged , , , | Leave a comment

“Feed and skim” – how NEST want to help the low-paid save more.


Thanks to NEST and their think-tank NEST Insight for a scorching day on top of the National Theatre which yielded some real thought leadership. Delighted as I was to lock horns with some very bright students (and Tom McPhail) in … Continue reading

Posted in NEST, pensions | Tagged , , , , | 6 Comments

“Is it worth planning when the future’s so uncertain?”


Today is NEST Insight day;  it’s also TTF symposium day.  So I’ll be cycling from the City to the South Bank like Mark Cavendish (pre-crash). At the TTF event, Beccy Young and Robert Finer will be presenting the FCA Asset Management Market Study … Continue reading

Posted in NEST, pensions | Tagged , , , , | 3 Comments

The past, present and future of Pensions #autoenrolment


On Wednesday , at 5pm , I’ll be explaining these slides at Accountex 2017 – a talk generously sponsored by the Chartered Institute of Payroll Professionals. It’s going to be a fun, provocative and I hope instructive talk and I’m … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , , , , , , , , , | Leave a comment

NEST’s dirty laundry on the line!


  Thanks to First Actuarial for producing this chart for this blog. Here’s how to read In 2010 when NEST opened , it had no assets – it  had quite a lot of debt (£134m* from setting up days as … Continue reading

Posted in auto-enrolment, NEST, pensions | Tagged , , , , , , , , | Leave a comment

Time to dig this Government out of its hole?


Tax, national insurance and pensions policy should be put in a vault marked “toxic” and should be handled with extreme caution. This morning I have three toxic issues to prove my point. The fiasco of announcing an increase in national insurance … Continue reading

Posted in auto-enrolment, NEST, pensions | Tagged , , , , , , , , | 2 Comments

NEST – membership has its privileges.


  American Express coined the phrase and it’s unlikely that PADA  (the fore-runner) to NEST could ever have anticipated running a premium product. But that is what NEST is about to become. The launch of a free transfer service which … Continue reading

Posted in pensions | Tagged , , , | 1 Comment

“What next!?” @NEST


Maybe it’s because I’m still in India and have been mysticised, but I cannot believe that NEST’s most recent announcement has not caused a major outcry. I am not talking about the shelving of NEST’s plan to be a provider … Continue reading

Posted in pensions | Tagged , , , | 2 Comments

Looks like a bolshy new year!


Welcome to 2017 , I’m in a bad mood! I have been struck down with tummy problems and did not join in last night’s festivities. I open my inbox this morning  –  this is what I find! The time for seasonal … Continue reading

Posted in pensions | Tagged , , , , , , , | 3 Comments