Tag Archives: NEST

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

The peril of pensions (a quiet word in payroll’s ear).


Anyone who manages payroll, whether in-house or as an outsourcer, will by now have discovered the perils of auto-enrolment. This article will not rehearse the process issues (you’ll be relieved to know). But with auto-enrolment come workplace pensions. Currently the majority … Continue reading

Posted in accountants, advice gap, auto-enrolment, pensions | Tagged , , , , , , , , , | 1 Comment

If past performance doesn’t matter- what does?


Performance measurement is a deeply unpopular science. If there is one phrase that financial services has given to popular parlance it’s that “Past performance is no guide to the future” This worthy sentiment would ring hollow to the person transferring … Continue reading

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

How to get out of auto-enrolment (without a penalty notice)


    As everyone knows – I am a fan of auto-enrolment and have made my living through http://www.pensionplaypen.com helping employers engage with workplace pensions and encouraging compliance. The rest of my blog is not an encouragement to small businesspeople … Continue reading

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

Taking possession; how’s Workie performing ?


There’s an urban (pension) myth that it’s not until your pension is worth as much as your car that you take any notice of it. My car has been written off twice and has a scrap value of £1000 so … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , , , , , | 1 Comment

“Not so fast!” – the @Aviva #AE conference needs to listen to those not in the room


I spent yesterday morning with Aviva at their future of Auto-Enrolment event in the City. Here’s Aviva’s 10 point wish-list for Auto-Enrolment. ADEQUACY: 1. Phase towards 12.5% contributions by 2028 2. Adopt a flat rate of tax relief – save … Continue reading

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

Thanks – it’s a delight to do business with you!


    It’s a real delight speaking to micro businesses about pensions. You might think a simple question like “which one do you think is best?” would become boring, now we’re closing in on 5000 employers who’ve asked us it. … Continue reading

Posted in auto-enrolment, pension playpen, pensions, robo-advice, Sage | Tagged , , , , , , , , , | Leave a comment

NEST is not auto-enrolment


  I went to a talk yesterday by a former shadow cabinet minister of state for the DWP. It was under Chatham House rules so I can’t tell you which one – it doesn’t matter which one – it matters … Continue reading

Posted in advice gap, auto-enrolment, pensions | Tagged , , , , , , , , , , | 18 Comments

The pernicious effect of NEST’s market distortion


Yesterday I wrote about the unsatisfactory outcome of an industry discussion with NEST. The PLSA debate on mastertrusts at their annual conference failed to properly engage with NEST’s ongoing role in the UK pensions market and the ambiguity of its … Continue reading

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

Put up or shut up Otto – how are you paying back our money?


If you weren’t in Liverpool for last week’s PLSA conference, do not slit your wrists. You can watch the sessions on youtube. If you want to hear how product providers see the challenges on them and us- from the remaining … Continue reading

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