Tag Archives: pensions

Just who’s accountable for how our pension savings do?

There’s been a lot this week on social media about blame. Perhaps the most pertinent criticism of accountability in pensions came from an IFA. Which you then won’t satisfy because they’ll have no idea how they’ve done they’ll just have … Continue reading

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When naming and shaming had to stop

It now is clear there are not one but two firms that have been hit with a  £350,000 fine through escalating penalties from the Pensions Regulator and both relate to the non-payment of monies into staff pension accounts. These are … Continue reading

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How does my son feel about being 75?

There had to be a point for Ian Duncan Smith running a summer scare story around pushing the state pension age to 75. We have just been through a lengthy consultation and review of the state pension age. It culminated … Continue reading

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How disruptors are reverted to mean

  I’ve been building up momentum for the idea behind AgeWage for about a year now. So far we have raised £500,000 through a crowd-funded EIS scheme, built an algorithm, created a new pensions index with Morningstar and incited sufficient … Continue reading

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“Fifty shades of nay” – how hard should it be to get digital access to your data?

Providers are always finding new ways to stop AgeWage getting the data authorised us by letters of authority (LOA). Even when an individual signs an LOA – and the insurer is legally required to act on it – the struggle … Continue reading

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NEST, technology and personalisation

I really admire this Rowlands chap. I’ve know him for the best part of 30 years and in all that time he has never been anything but a gent. He’s now a Director at NEST and I urge you to … Continue reading

Posted in advice gap, age wage, dc pensions, DWP, FCA, Financial Education, NEST, pensions | Tagged , , , , , | Leave a comment

Lipstick on a pig – the sorry state of “robo-advice”

On 11th  and 17th of September, those turning up for the FT Adviser Financial Advice Forum in London and Birmingham respectively, will be entertained by a panel session. The conference promised to bring  the views of industry and regulatory experts … Continue reading

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It’s not pensions that are scary – it’s “search”!

I’ve been quoted in @OscarWGrut‘s latest investigation on how Google is STILL allowing high-risk bonds to be flogged in searches for savings deals, despite recent scandals. It’s time for Google to take its duty of care to consumers seriously. Read … Continue reading

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Navigating pension’s Straits of Hormuz

We met last night in a crowded room in Moorgate WeWork. We were an eclectic mix of pensions directors, chairs of trustees , annuity experts Retirement Line,  Ruston Smith, Vincent Franklin and me. You can see the slides here Unfortunately … Continue reading

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Convince or collapse – the options for small DB schemes in the next decade.

    We stand on the cusp of the third decade of the 21st century. That decade is likely to see small DB schemes collapse into consolidators or stand firm with renewed conviction. I wonder if I will still be … Continue reading

Posted in CDC, dc pensions, de-risking, defined ambition, defined aspiration, pensions | Tagged , , , , , | 2 Comments