Tag Archives: Pension Freedoms

The choices Hobson gives us at retirement

Posted on July 28, 2019 by henry tapper

  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 henry tapper

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 henry tapper

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 henry tapper

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 henry tapper

  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 henry tapper

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 henry tapper

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 henry tapper

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 henry tapper

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 henry tapper

  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 →

Posted in actuaries, advice gap, pensions | Tagged , , , , , , , | 3 Comments