Tag Archives: Pension Poverty

All at sea! TPR’s “Trafalgar” for maritime and offshore workers.

Posted on January 13, 2016 by henry tapper

Well done Lesley Titcombe and hurrah for our best naval victory since Trafalgar! Continue reading →

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 | 2 Comments

Are employers buying workplace pensions on value or price?

Posted on September 7, 2015 by henry tapper

We have started an interesting project looking at the reasons given for choosing a workplace pension. Our sample is those employers who have used http://www.pensionplaypen.com ‘s “choose a pension” tool. For those who don’t know- the tool analyses data input … Continue reading →

Posted in Payroll, pension playpen | Tagged auto enrolment, Business, Employment, interoperability, Investment, Investment management, NEST, pension, Pension new, pension playpen, Pension Poverty, Pension Regulator, pensions, Retirement, workplace Pensions | 2 Comments

Bringing down the cost of advice #FAMR

Posted on August 5, 2015 by henry tapper

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 →

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 | 2 Comments

The transfer mess gets worse…

Posted on July 28, 2015 by henry tapper

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 →

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”.

Posted on May 22, 2015 by henry tapper

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 →

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 | Leave a comment

Advance Australia Fair!

Posted on April 15, 2015 by henry tapper

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 →

Posted in pensions | Tagged Actuary, annuity, Australia, dc pensions, Defined benefit pension plan, Jack Shit, Jim Hennington, modelling, pension, Pension new, pension playpen, Pension Poverty, pensions, Politics, Retirement, retirement income, Steve Webb, Super, Superranuation | 4 Comments

The enormous importance of Legal and General

Posted on February 1, 2015 by henry tapper

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 →

Posted in pensions | Tagged annuity, Business, Business and Economy, corporate governance, Government, L&G, Legal and General, NEST, pension, Pension new, pension playpen, Pension Poverty, Pension Regulator, pensions, Playpen, Worksave pension | Leave a comment

Middle-class economics

Posted on January 21, 2015 by henry tapper

“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 →

Posted in pensions | Tagged Barack Obama, Boris Johnson, Business, Business and Economy, Cameron, Churchill, Farage, Government, Johnson, middle class, Middle Class Economics, obama, pension, Pension Poverty, pensions, Society, State of the Union, Steve Webb | Leave a comment

Get your BR19 as your first step to being “Pension Wise”

Posted on January 12, 2015 by henry tapper

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 →

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 | 3 Comments

Let’s play fantasy CIO at NEST!

Posted on January 11, 2015 by henry tapper

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 →

Posted in pensions | Tagged auto enrolment, Business, Business and Economy, CDC, corporate risk, de-risking, Investment management, linkedin, London, National Employment Savings Trust, NEST, Pension Poverty, Pension Regulator, pensions, Politics, Retirement | Leave a comment

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