Tag Archives: Pension Freedoms
The ground moving under us.
What I like about August is that it gives you a little space. Nothing much gets done because at least one decision maker is away and we’re all waiting for September. The French just forget about working in August. Because … Continue reading
Posted in advice gap, annuity, pensions, Pensions Regulator
Tagged advice, alignment, auto enrolment, change, EET, FAMR, Pension Freedoms, pensions, Retirement, Strategy, strategy group, Tax, TEE
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If that’s all there is my friends – well let’s keep working!
The numbers are out , extracted by the tenacious Josephine Cumbo @henryhtapper @citizensadvice @tpas Only 18,000 TPAS/CAB appointments. 925000 people checked out Pension Wise online. — Josephine Cumbo (@JosephineCumbo) July 22, 2015 Jo and I probably share differing levels of … Continue reading
Posted in pensions
Tagged annuities, annuity, CDC, Drawdown, DWP, Noah's ark, Pension Freedoms, Pension Wise, pensions, retirement savings
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Lassitude or laxitude – 100 days of pension freedoms
“Lassitude” or “Laxitude” – what’s your judgement on how we’re carrying on? Or is this all just fine? Lassitude is a “proper” word that describes a lazy behaviour resulting from world weariness, laxitude is a made up word that describes … Continue reading
Posted in CDC, pensions, Popcorn Pensions
Tagged advice, annuity, Business, CDC, dc pensions, Employment, income drawdown, Investment management, lassitude, laxitude, old, pension, Pension Freedoms, Pension new, pension playpen, pensions, Retirement, retirement savings, Saving, spending, young
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Supply-side woes , buy-side goes; the disappearing pension billions
It’s not hard to spend a billion, not if you’re a nation that knows how to spend but finds it hard to save. As Osborne found, a generation of planning can be unwound in a minute. Were the tax rules … Continue reading
Posted in pensions
Tagged Actuarial science, annuity, auto enrolment, Business, CDC, DWP, Freedoms, Pension Freedoms, pension playpen, pensions, Retirement, Ros Altmann, Steve Webb, TPAS
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Don’t say I didn’t tell you…
This blog predicted last year and this , that within the first three months of the “pension freedom grant”, there would be a Daily Mail front page telling us that we may be (pension) free – but everywhere we are … Continue reading
Posted in pensions
Tagged annuities, CDC, Dail Mail, Freedom and Choice, Insurers, luddite, ludditism, master trusts, Pension Freedoms, pensions, Ros Altmann
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Whose risk is it anyway?
No matter how we look at it – we do not- and will not- live in a command economy. That means we have to take decisions for ourselves rather than be told how to live our lives. If you want … Continue reading
Posted in CDC, dc pensions, defined ambition, Management, Money Advice Service
Tagged apples, choice, dc pensions, de-risking, DWP, Employment, Financial services, Government, pension, Pension Freedoms, Pension new, Pension Wise, Retirement, Ros Altmann, Tax
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The freedom to transfer your pension benefits
The freedom to transfer pension benefits has since the 5th April been denied to millions of those with deferred pensions. If you are a member of an unfunded Government pension scheme (any scheme other than the Local Government schemes), they … Continue reading
“How were those freedoms for you?” – Two events to help us find out!
The press offices of all the major insurers have been busy printing announcements of how they have seen a tenfold increase in enquiries about pension benefits this week. Pension Wise has been open for bookings and Michelle Cracknell and the TPAS … Continue reading
The dark hour of the innovator
Access to knowledge remains a stumbling block to financial education in this country. It is extremely difficult to convert information on what we own into knowledge about how we can use it. This is not a problem peculiar to the financial … Continue reading
Posted in pensions
Tagged Actuarial science, Business, Business and Economy, innovator, payback, Pension Freedoms, pension playpen, Pollen, Previnet, Quietroom
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Help us spend a penny
Britain is entering its final week of financial constipation following over a year of holding in the urge to splash the pension cash. Speculation in the financial press is reaching fever pitch with the announcement of the Pension Wise telephone … Continue reading