Tag Archives: pensions

Time for a re-think on drawdown practice? – Clive Waller


  This article by Clive Waller is great because it comes from a good heart. Many advisers reading it will not find it good at all, it calls into question the sustainability of their business model. Many of their customers, who probably … Continue reading

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

Finding our pensions


  In a vigorous debate at DWP HQ, two quite different approaches to finding pensions emerged. This blog helps people to understand what the debate is about and why it matters to everyone. It matters because there is some £20bn. … Continue reading

Posted in Dashboard, pensions | Tagged , , , , , , | 1 Comment

Assistance, guidance and equipment for the future – that’s what we all need!


I am off to Westminster this morning to meet the new boss of the Single Finance Guidance Body. We’re not going to be talking dashboards – he’s in dashboard purdah till the consultation’s over. My agenda is AGE – Assist-Guide-Equip. … Continue reading

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The hidden costs of charges are pants!


Yesterday’s Moneybox with Lesley Curwen was a cracker. It brought together the voices of a number of investors together with the views of Michelle Cracknell, Chris Sier and Gina Miller. All were clear and interesting But the best contribution came … Continue reading

Posted in auto-enrolment, corporate governance, pensions, pot | Tagged , , , , , , | 4 Comments

Auto-enrolled through L&G/Ease – read this.


This blog is written for employers and advisers who have used or assisted with the ITM eAsE link to L&G’s workplace savings Plan. You are where you are – here is some context and some thoughts on your position] For … Continue reading

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The fight for proper dashboards is just beginning.


  The collective intake of breath that greeted the eventual publication of the Government’s feasibility study and consultation paper was palpable. Now – a week on – perhaps we can stop congratulating each other and get on with delivering a … Continue reading

Posted in Dashboard, pensions | Tagged , , , | 1 Comment

Why do people take pension choices that make them sad?


I’ve been reading a short report by Demos for Legal and General. L&G provide annuities and want to understand  the fall in the numbers of annuities purchased. The retirement riddle is that the choices people are taken since the pension … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , | 6 Comments

Contingent charging – “commission” by another name?


Along with Al Rush, Jo Cumbo , Michelle Cracknell – I was interviewed yesterday by the BBC Moneybox team for a Christmas special on pension transfers. It’s always good doing these things as it forces you to say what you … Continue reading

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Re-deploying our pension winners!


Webb for Regulator? This rumour has sparked a twitter storm among those who think Steve Webb is conflicted in potentially exercising the powers of the Pensions Regulator on policies he initiated as pensions minister. Exclusive: Sir Steve Webb, the former … Continue reading

Posted in Big Government, Blogging, pensions | Tagged , , , , , | 2 Comments

The FCA finally get to the bottom of why transfers have been mis-sold.


I feel like singing hallelujah! The FCA’s findings from their transfer review are brilliantly presented here by NMA’s Talya Mistry.Misiri Here’s how she sums things up The findings highlighted that less than 50% of advice was suitable. It said that … Continue reading

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