Tag Archives: Pension Freedoms

Is the pensions consumer “taking a journey” of just along for the ride.

For the first time in a few years, I took a weekend off blogging and spent Saturday on the river with new friends. Sunday gave me some time to think about the Pension Regulator and the FCA’s joint call for … Continue reading

Posted in pensions | Tagged , , , | 3 Comments

The ten big pension questions

  These are  ten big questions facing pension professionals and its public today. They are the questions in the Work and Pensions Select Committee’s inquiry into the Pension Freedoms and they are worth your consideration. They concern the decisions we … Continue reading

Posted in pensions | Tagged , , | 1 Comment

Stop blaming freedom (for pension scamming)!

There are many things that pension freedoms have brought us and one of them is the pail of hogwash that they’ve opened the door to pension scams. This is the  line peddled by the FCA’s new CEO Nikhil Rathi at … Continue reading

Posted in advice gap, age wage | Tagged , , , | 3 Comments

Why I don’t support LCP and Royal London’s calls to boost DB transfer advice

  LCP and Royal London jointly presented to an audience of 300 industry professionals yesterday on the vexed topic of “helping members get transfer advice”. The webinar can be watched here  and as you’d expect from these organisations, this was … Continue reading

Posted in advice gap, age wage | Tagged , , , , | 5 Comments

Don’t cash-out your pension #buildbackbetter !

This blog is about how we make sure we have enough cash to pay the bills (including the butcher’s bills) Cashing out pensions – the lure In its recent policy statement (P20/6), the FCA leaves two carve-outs (loopholes) for advisers … Continue reading

Posted in advice gap, age wage, Australia, auto-enrolment, pensions | Tagged , , , , , , | 1 Comment

How are your staff’s pensions getting on?

  If you remember back to the mid part of this fading decade, one of the issues facing the 1.4m employers who had to stage auto-enrolment, was which workplace pension to choose for your staff. If you were part of … Continue reading

Posted in age wage, open finance, Payroll, Pension Freedoms, pension playpen, pensions | Tagged , , , , | Leave a comment

“Five years of freedom” – is evolution enough?

The Defined Contribution Investment Forum have commissioned an excellent body of research from Richard Parkin and Ignition House. The result is a packed report running to over 60 pages that provides a new insight on the problems individuals are facing … Continue reading

Posted in advice gap, age wage, CDC, pensions | Tagged , , , , , , , , | 3 Comments

Pension tax transparency a long way off

    The malaise  with pension taxation goes much deeper than the immediate symptoms, the complexity of the Annual and Lifetime allowances, the obscurity of the money purchase annual allowance and the perversity of the running both net pay and … Continue reading

Posted in pensions, steve webb, Treasury | Tagged , , , , , , | 2 Comments

The politics of CDC

This morning I should be attending the CDC fringe meeting at Brighton’s Grand Hotel which forms part of the Labour Party Conference. If I can’t – I send my apologies to Royal Mail, CWU and the Shadow Pensions Minister – … Continue reading

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

The choices Hobson gives us at retirement

  I’ve been thinking about my options with my DC pension pot. Do I continue to want my money exposed to market risk , do I take an annuity rate depressed by quantitative easing or do I sit on a … Continue reading

Posted in pensions | Tagged , , , , , | 8 Comments