Tag Archives: Pension Freedoms

“Five years of freedom” – is evolution enough?

Posted on November 15, 2019 by

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

Posted on October 27, 2019 by

    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

Posted on September 23, 2019 by

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 →

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The choices Hobson gives us at retirement

Posted on July 28, 2019 by

  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

Fixing the freedoms (sort of)

Posted on July 2, 2019 by

Helping smaller savers get the most out of the pension reforms Dominic Lindsey has been beavering away for some time now, collating the views of industry experts and producing what I can best describe as a “superblog” that sets out … Continue reading →

Posted in pensions | Tagged , , , | 1 Comment

How to turn a pot into a pension (megablog)

Posted on February 24, 2019 by

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 →

Posted in advice gap, age wage, pensions | Tagged , , , | 4 Comments

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 →

Posted in advice gap, pensions | Tagged , , , , , , , | 7 Comments

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