Tag Archives: pension

Choosing a workplace pension


    Last week, Parliament debated an amendment to the Pension Schemes Bill, suggested by the Shadow Pension Minister and quoting this blog. I am happy to have put words in Alex Cunningham’s mouth, the Government have been cavalier in … Continue reading

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We need a home ownership detox!


An important day for British Housing Policy Today, the Government will publish its white paper setting out its long-term housing strategy. This has implications for everyone living in the UK, including the homeless, those who rent, those who own and … Continue reading

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Avoid the ambulance chasers and choose your workplace pension wisely


In America the business of providing staff with a retirement benefits plan (known as 401k) is taken very seriously. Employers have fiduciary responsibility to the participants and to the plan. That means that if employers do not take due care … Continue reading

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We do not need another consultation on costs and charges.


A report in Professional Pensions that we are to get yet another consultation on costs and charges fill me with gloom. As the report points out, we have two consultations on the subject – in progress. They follow an exhaustive call … Continue reading

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Is there a propoganda war against active funds?


    The tweet set the scene. Funds Fanatic had complained that the FT were reporting the HL numbers disparagingly. Certainly the FCA would agree with the FT that more Hargreaves Lansdowne investors should be using passive funds. Funds Fanatic is the … Continue reading

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How can payroll bureaux profit from auto-enrolment?


I’ve recently been asked by the leading payroll trade publication to answer some questions. I’ve enjoyed thinking about them and have set out my answers below. I’m not a payroll manager and I don’t run a bureau – I’m not … Continue reading

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Plugging phoney deficits does no good!


We have become fixated with phoney pension deficits, now a British pension consultancy is suggesting we can plug phoney deficits with real money, the dividends that support “other people’s pensions. This is what we think of the phoney deficits. Our … Continue reading

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FABI says “no no” to the deficit yo-yo!


The First Actuarial Best-estimate Index (FABI) continues on a more predictable flight. An actuary speaks! Rob Hammond, who oversees the number crunching behind FABI says: “Yo-yo deficits do nothing to restore people’s confidence in their pensions. FABI paints a truer … Continue reading

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FAKE NEWS – eroding the credibility of pensions.


“Yesterday I ran a blog complaining not about fake news but about misinformation accompanying the news. MOMENTUM – hang your head in shame! The news Momentum has is that the vast majority of people over 55 still don’t know when … Continue reading

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Doing something useful with our money


Pension Funds like bonds, they provide a regular income stream and some bonds pay income for twenty years or more, a bit like lending money as a mortgage. Which begs the question “why don’t pension funds lend money as mortgages?”. … Continue reading

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