Tag Archives: Ralph Frank

“We all defer together?” – Guest Blog from Ralph Frank

The recently announced consultation on pensions tax relief has stirred up thought and debate on the issue of incentivising long-term saving.  There are theoretical, commercial and practical aspects to be addressed in this process of defining an approach to pensions … Continue reading

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“Tax relief – what are the numbers?” Guest blog from Ralph Frank

The Government has repeatedly expressed its concern, both in the 2015 Budget (paragraph 1.232) and in the recently announced consultation on pensions tax relief, at the level of income tax forgone through the provision of pension tax relief.  This concern … Continue reading

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In the long run…… (guest blog from Ralph Frank)

There is a widely-held view that the longer the holding period for an investment, the more volatile the asset that can be invested in.  There seems to be two beliefs contributing to this headline view: The more volatile the price … Continue reading

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High risk, medium risk , low risk? No idea! Guest blog from Ralph Frank

How many times have you been asked whether you have a high, medium or low risk tolerance?  Perhaps the question has been phrased differently, testing if you are an aggressive, moderate or conservative investor? You might even have had your … Continue reading

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Domo arigato Mr Roboto (guest blog from Ralph Frank)

The topic of ‘robo advice’ is becoming increasingly active in financial circles.  There is no agreed definition of what robo advice, or ‘robo’ for short, is though.  For some, robo is simply an on-line or app-based interface for communicating generic … Continue reading

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What’s inside the wrapper’s – what matters! Guest blog from Ralph Frank

  I often find myself bemused, and/or confused, when I see investment portfolios specified in terms of product wrappers (e.g. unit trusts, exchange traded funds, structured notes etc.) instead of the underlying investments (e.g. equities, bonds etc.).  The underlying investments, … Continue reading

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Is he mad in the Ed? -Another great guest blog from Ralph Frank

Ed Miliband’s recent proposal to cut the Lifetime Allowance (“LA”) for pension savings from £1.25 million to £1 million would deal a further blow to encouraging private pension provision, if implemented. The LA is, in my opinion, a flawed tool … Continue reading

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Preparing the pocket to pick; a great guest blog from Ralph Frank

  Multiple changes to the regulations governing the UK pensions landscape were announced in 2014. The most positive of these changes, in my opinion, related to the issues of transparency and governance. The ‘charges cap’ enjoyed the greatest prominence of … Continue reading

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“Free money”- why do those eligible for it- not want it; guest blog from Ralph Frank

NEST has recently published its latest annual ‘insight’, a study that looks at the behaviours and attitudes of members enrolled into workplace pensions.  The ‘insight’ finds that older workers have significantly higher opt-out rates from auto-enrolment than younger workers – … Continue reading

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Protecting against losses is not the same as generating a profit – guest blog from Ralph Frank

  The Swiss National Bank’s (“SNB’s”) decision to abandon the currency ceiling of the Franc relative to the Euro has drawn attention to risk management and hedging. The losers from the SNB’s actions, including retail leveraged trading platforms, investment banks … Continue reading

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