Tag Archives: Pay

Why are women’s pensions smaller than men’s?

One of the main ways women are penalised in pensions is by net pay schemes. These stop 1.2m low-paid workers (around 800,000 women) claiming tax relief worth around £72m a year. This is an issue easily solved by @HMRCgovuk – … Continue reading

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“How we’re paid” is top of #GE17 agenda

If there is a debate going on over who next Governs Britain, how we get paid – as workers and pensioners, is at the heart of it. BREXIT may be the most important political issue , but we are no … Continue reading

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Why pensions pinch your pay packet

We now know that we are unlikely to get a national pay rise for the rest of the decade. We are worse off in terms of wages than we were ten years ago. What we get paid matters and with … Continue reading

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Till we know the “money” – shut up about “value”.

  I had a number of meeting yesterday culminating in an afternoon spent with members of the Transparency Task Force (TTF), with the FCA and with certain interested observers. I can report the meeting happened and what was said but … Continue reading

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“The re-nationalisation of pensions”

Who pays? – Scheme Pays! Buried deep in the technical pages of HMRC’s pension regulations is reference to a breezy topic “Scheme Pays“. “Scheme Pays” allows an occupational pension scheme to pay a member’s tax bill where the member has … Continue reading

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How pensions restrain public sector pay and services.

The latest discussions about how we will manage the nation’s finances are focussing on public sector pay.Nick Clegg tells us that his party will make sure   wages would rise in real terms for two years from 2016, and then … Continue reading

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How to pay a consultant.

Why this is on my mind Today I’m speaking at a conference for pension consultants which is supposed to be exploring the opportunities for them and for their clients. Looking at their agenda, there is an obvious issue missing “how … Continue reading

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How much should I spend on retirement?

People get frightened by this question – they shouldn’t! The simple answer is that we all pay into a national pension scheme through national insurance and you can find out what you’re likely to get from the State we completing … Continue reading

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