Tag Archives: pensions

A good day for pensions, a good day for the DC upgrade.


We will know we have a solution when we don’t need guns. Overnight I heard the President of the United States deliver his solution to the gun crisis in American schools. To prevent more mass shootings, Donald Trump suggested that American teachers … Continue reading

Posted in CDC, pensions | Tagged , , , , , , | 2 Comments

As Universities prepare for a strike, teachers try to limit the damage


This morning I’m publishing two blogs, one from Mike Otsuka which looks at tomorrow’s strike by University Staff from an economic perspective, mine looking at the human aspects of the strike. . Here are two emails from teachers in the … Continue reading

Posted in pensions, USS | Tagged , , , , | 2 Comments

Why insurance isn’t always right.


This is an article in preparation for publication; thoughts on it, especially from insurers would be very welcome. In it, I argue that insured solutions are not always right for us – in our retirement savings and that insurance companies … Continue reading

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Why are university staff going on strike?


  My son has started sending me the announcements he’s been getting from his University about impending strike. He’s at one of two Universities who have been leading the charge amongst employers calling for an end to DB accrual in … Continue reading

Posted in pensions, Royal Mail, USS | Tagged , , , , , , | 5 Comments

“The Ship has sailed” – Con Keating on the Society of Pension Professionals CDC submission


On Saturday, on Radio 4’s Money Box programme, Hugh Nolan of the Society of Pension Professionals expressed the view that the “ship had sailed” for CDC pensions, and proceeded into the tired and repetitive narrative that it is too late … Continue reading

Posted in CDC, pensions | Tagged , , , , , , | 6 Comments

HMRC and FCA complicit in the democratisation of villainy.


If the FCA want to get to grips with the problem of contingent (conditional) charging, they had better have a look at the taxation of advice and make changes in the Finance Act 2018 to the way we tax advice. First … Continue reading

Posted in accountants, advice gap, dc pensions, pensions | Tagged , , , , , , , , | 8 Comments

Contingent charging will sink DB transfers


IFAs who persist in conveyor belt transfers based on contingent charging will kill the transfer market.   Why people are taking a punt if they pay on the never-never. The FCA have made it clear that to transfer out of … Continue reading

Posted in advice gap, BSPS, pensions | Tagged , , , , | 3 Comments

Consolidation – Darren Jefferson says it’s only just begun.


It’s all around us, auto motive manufacturers, lawyers, employee benefit consultants, you name it. The same reasons for the deal are usually given whether you believe them or not, ‘We complement each other really well’ ‘it will allow us to … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , | 1 Comment

Workplace pensions – who gives a flying feck what’s going on?


  Data or opinion? What’s the best measure of value? Most investors when looking for evidence and would prefer to trust data. Opinion is now measured by “the crowd”, the wisdom of a great number of people is turned into data. … Continue reading

Posted in Henry Tapper blog, IGC, pensions | Tagged , , , , , , , | 1 Comment

“CDC’s about improving DC” – Con Keating


This essay compliments my blog this morning.  Con Keating is the author of this blog – our thinking is coincidental, though our manner of expressing it – is not!   In all of the discussions of the minutiae of the … Continue reading

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