Tag Archives: Pension Freedoms

How to turn a pot into a pension (megablog)

Hello and thanks for your interest! This mega-blog should be helpful to people who are 55 or older and have money “stuck” in pensions which they could do with to replace income from work. “Stuck” is the right word, most … Continue reading

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Payroll are tomorrow’s Pension Experts!

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

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IFAs and the defined benefit promise

  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

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Let’s stop pretending guidance is enough.

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

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

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Frank Field letter to the FT on pension freedoms

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

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

  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

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?

  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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