Tag Archives: Pension Regulator
IFAs take the lead in sorting the transfer blockage.
BIG THINKING Two things I’m really looking forward to in September are threesixty’s two “Big Thinking Days”. One’s in Edinburgh and one’s in London and if you’re going, you;re in for a treat. Threesixty are a pretty pucker outfit (IMO) and … Continue reading
Does drawdown need a charges cap for pension drawdown
This post was written a few months ago but never published. The main thrust is still relevant, the thrust is that we are better off building better and more relevant products than trying to squeeze drawdown into a shirt two … Continue reading
Posted in accountants, advice gap, pension playpen, pensions
Tagged Business, CAP, charges, Drawdown, DWP, Employment, Financial services, flexible drawdown, Government, National Employment Savings Trust, pension, Pension new, Pension Regulator, pensions, Politics, Public Sector Pensions, Value for Money
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Michael Johnson and the Super ISA
This is the latest from tax and pensions supremo – Michael Johnson. Love it or hate it – the pensions ISA or Super ISA as Michael calls it- looks set to dominate our thinking over the next few months … Continue reading
Posted in pensions
Tagged corporate risk, dc pensions, EET, ISA, Michael Johnson, pension playpen, Pension Regulator, pensions, Politics, Retirement, super-ISA, tax relief, TEE, Treasury
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How do you compare pension default funds?
An old colleague contacted me yesterday with a simple (but great) question. “how do you compare pension default funds”. I can speak on this for First Actuarial, who provide the investment ratings on default funds for the Pension … Continue reading
Posted in pensions
Tagged annuity, Apples and pears, auto enrolment, Business, CDC, choose, Choose a Pension, compare, dc pensions, default, FCA, Financial services, Investment, investment consulting, National Employment Savings Trust, NEST, pension, pension default, Pension new, pension playpen, Pension Regulator, pensions, Retirement, workplace pension
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The tricky job of enrolling the self-employed into pensions
The estimate from the Citizen’s Advice Bureau that some 460,000 extra workers are currently missing out on auto-enrolment because employers deem them independently self-employed seems reasonable. When employers conduct a workforce assessment, they generally do so with a cut of … Continue reading
Helpless? – and scammers in town!
One of the worst things about doing my job is seeing people being fleeced without being able to do anything about it. I know that Katie Morley feels the same way – I can feel it when she’s writing about … Continue reading
Mobilising millions – training employers on AE.
Who is going to mobilise the millions of bosses still to stage auto-enrolment? There are not 1.3m but 1.8m employers in the UK who will need to stage auto-enrolment.Of these , all but around 65,000, more than 1,790,000 employers have … Continue reading
Financial advisors need better retirement products
Better products that deliver what they say I had the pleasure of Chris Radford’s company over the weekend. Chris is a consultant to pension providers , a regular at our Pension lunches and someone who thinks about the way ordinary people … Continue reading
Posted in pensions
Tagged advice, annuity, Business, CDC, Chris Radford, Daily Mail, dc pensions, FAMR, FCA, financial advice, Financial services, Mail online, pension playpen, Pension Regulator, pensions, Retirement, Treasury
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Disruption – is how social media regulates
In the context of Business continuity management, Disruption is an event which causes an “unplanned, negative deviation from the expected delivery … according to the organization’s objectives”. In this blog, I argue that disruption is part of the governance process … Continue reading
Posted in advice gap, auto-enrolment, Payroll, smelly
Tagged Business, Business and Economy, corporate governance, corporate risk, dc pensions, Disruption, Employment, Financial services, negative, pension, pension playpen, Pension Regulator, pensions, Politics, RDR, regulation, Retirement, South West Trains, Steve Webb
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Addiction
Addiction is not a word that resonates positively. But we had a discussion yesterday centred on getting people addicted to properly managing their money, in which the word seemed entirely appropriate. People get addicted to courses of action resulting from a … Continue reading
Posted in pensions
Tagged Addiction, advice, Business, dc pensions, digital guidance, Facebook, FAMR, financial education, financial education programs, Financial services, Financial Services Authority, Government, Linked in, momentum, MoneyHub, multiplier, Pension Protection Fund, Pension Regulator, Ros Altmann, social media, Society, Treasury, vitality
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