Tag Archives: NEST

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

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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

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“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

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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

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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

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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

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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

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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

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“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

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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

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