here’s what you’ve been saying
Richard Chilton on “Evolution not revolutio… Averil Wood on DWP – should the top top… Brian G on Our crazy contradictions over… henry tapper on “Evolution not revolutio… Gareth Morgan on “Evolution not revolutio… henry tapper on “Five years of freedom… happyhenry on “Five years of freedom… John Hanratty on Schools staring into a pension… Eugen N on 58 years young – the rol… henry tapper on Put gallows humour apart… julierichardswbacom on Put gallows humour apart… Phil Castle on 58 years young – the rol… DaveC on Why we can celebrate 74 years… Eugen N on “Peace of mind”… John Mather on “Peace of mind”…
Tag Archives: Pension Poverty
All at sea! TPR’s “Trafalgar” for maritime and offshore workers.
Well done Lesley Titcombe and hurrah for our best naval victory since Trafalgar! Continue reading
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Posted in auto-enrolment, now
Tagged auto enrolment, Business, de-risking, DWP, Employment, Financial services, Lesley Titcombe, National Employment Savings Trust, NEST, offshore workers, pension, Pension Poverty, Pension Regulator, pensions, Politics, Retirement, Ros Altmann, Seafarers, Society, TPR
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Are employers buying workplace pensions on value or price?
We have started an interesting project looking at the reasons given for choosing a workplace pension. Our sample is those employers who have used www.pensionplaypen.com ‘s “choose a pension” tool. For those who don’t know- the tool analyses data input … Continue reading
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Bringing down the cost of advice #FAMR
The Financial Advice Market Review asks whether Britain can bridge the advice gap for those people who “want to work hard, do the right thing and get on in life but do not have significant wealth”, strip out the political … Continue reading
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Posted in advice gap, pensions
Tagged Actuarial science, ad valorem, advice, advisers, annuity, Business, Commission, cos of advice, DWP, FCA, Fees, financial advice, Financial Services Authority, Financial Technology, FinTech, HM Treasury, Pension Poverty, Pension Regulator, pensions, regulation, Retirement, robo-advice, Technology, The Treasury
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The transfer mess gets worse…
It’s been some weeks since I wrote about transfers. To recap, I have been predicting a seizure in the transfer market , resulting from high demand, low-advisory capacity and pipes blocked with regulatory effluent. So it doesn’t come as a … Continue reading
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Posted in Treasury, trustee
Tagged Actuarial science, advice, annuity, auto enrolment, Business, corporate governance, Financial Services Authority, London, Pension Poverty, Pension Protection Fund, Pension Regulator, pension transfers, pensions, Politics, public sector, Public Sector Pensions, Retirement
10 Comments
IFAs and actuaries – as easy as “A Cap B”.
For half of the 30 years I’ve been advising people, I was paid by private individuals to help them take difficult financial decisions. For the other half, I’ve been paid by employers to help their staff take difficult decisions. This … Continue reading
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Posted in actuaries, advice gap
Tagged actuaries, Actuary, advice, Business, corporate governance, dc pensions, Financial services, Government, Guidance, IFA, National Employment Savings Trust, pension playpen, Pension Poverty, Pension Regulator, pensions, Politics, Steve Webb, transfers
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Advance Australia Fair!
I have never been to Australia, I should go I know, but we have Earl’s Court. My good friend Jim Hennington has recently returned to his native Oz after a few years over here teaching us some tricks on how to … Continue reading
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The enormous importance of Legal and General
If one insurer has done more than any other for workplace pensions it is Legal & General. For early stagers like Marks & Spencer they opened a master trust , they were the first insurer to adopt clean 50bps … Continue reading
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Middle-class economics
“So the verdict is clear. Middle-class economics works. Expanding opportunity works. And these policies will continue to work, as long as politics don’t get in the way.” Barack Obama, State of the Union Speech 2015. I suspect that these … Continue reading
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Get your BR19 as your first step to being “Pension Wise”
Treasury now in charge of “Pension Wisdom”. Another Monday, another set of pension headlines. The Treasury announce that the Guidance Guarantee is no more and hereafter the delivery mechanism for the help we’ll be getting at retirement will be called … Continue reading
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Posted in pensions
Tagged Actuarial science, annuity, auto enrolment, BR19, Business and Economy, CDC, DWP, Financial services, Freedoms, Guidance, Guidance Guarantee, National Employment Savings Trust, pension, Pension Freedomd, Pension new, pension playpen, Pension Poverty, Pension Regulator, Pension Wise, pensions, Retirement, Steve Webb, Treasury
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Let’s play fantasy CIO at NEST!
NEST has invited all of us to play “fantasy CIO” and create a default investment strategy for its members to and through retirement. If you’re prepared to get to page 118 of the consultation paper, you are asked as question 18 … Continue reading
