Tag Archives: Pension Freedoms

Payroll are tomorrow’s Pension Experts!

Posted on October 11, 2018 by

I spoke at the CIPP Conference at the National Exhibition Centre at what payroll can do to help staff understand pensions and in particular – the pension freedoms. Here are my slides I think there are three things that hold … Continue reading →

Posted in Payroll, pensions | Tagged , , , , , , | 1 Comment

IFAs and the defined benefit promise

Posted on March 21, 2018 by

  This article explores the relationship between IFAs and defined” benefit schemes, one that has historically been uneasy. It argues that the polarisation of opinion between IFAs who see pensions as “pots” of wealth, and those who regard them as a … Continue reading →

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

Let’s stop pretending guidance is enough.

Posted on January 27, 2018 by

News that the Government has thrown out proposals for compulsory guidance to protect us from ourselves comes as no surprise to me , though it has clearly angered Ros Altmann. Writing on her blog, the former Pensions Minister writes of  the … Continue reading →

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The impact of low pension savings on retirement incomes – Gareth Morgan

Posted on January 9, 2018 by

Income certainty and low pension savings There is concern, increasingly voiced, by some well-informed commentators, about some of the consequences of the pension freedoms. The complexity of choices, the lack of knowledge of most pension savers and the actions of … Continue reading →

Posted in actuaries, advice gap, pensions | Tagged , , , | 1 Comment

Frank Field letter to the FT on pension freedoms

Posted on October 29, 2017 by

Folly of granting total pension freedom is now becoming all too clear This is Frank Field’s letter to the FT , published October 28th. In the context of the Work and Pension Select Committee’s  current examination of pension freedoms, it needs … Continue reading →

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A Pension Food Bank for the DC saver

Posted on August 24, 2017 by

Ok – so it’s not a big news week for pensions , but well done Jack Gilbert of Citywire’s New Model Adviser for getting a meet with Frank Field, and well reported on what I can only call a “welcome … Continue reading →

Posted in accountants, actuaries, Pension Freedoms, pension playpen, pensions | Tagged , , , | 1 Comment

Cridland and the price of state dependency

Posted on March 23, 2017 by

  John Cridland’s consultation report into the state pension age, commissioned by Ros Altmann and delivered today, does not say quite what the modernisers wanted it to. Accelerated pension ages and the scrapping of the triple lock deliver a double … Continue reading →

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Why we are all regulators

Posted on March 19, 2017 by

A regulator is generally a device that maintains a designated characteristic in a system. In a financial sense, it ensures that the rules that govern our dealings are understood, maintained and enforced. We have regulation because we value a system … Continue reading →

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Are defaults enough? Or do we need compulsion?

Posted on March 7, 2017 by

  Well I’m back from 10 days in India where I saw the very rich and the very poor but not much in the middle. I saw some very fine architecture which showed me what can be done when people … Continue reading →

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Is there any “challenge” to this Pension Dashboard?

Posted on February 14, 2017 by

I was invited yesterday to the Treasury’s “Challenge Panel” , held to discuss the proposals for the pensions dashboard, a prototype of which will emerge next month. Actually, I wasn’t invited – I went in someone else’s place. I went … Continue reading →

Posted in pensions | Tagged , , , , , , | 1 Comment