Tag Archives: Retirement

Prudential’s IGC get it right – a model Chair report.


To understand why the Prudential’s IGC reports are so good, you need to go to first principals and read the opening paragraphs of their value for money definition (oddly sitting on p40 of the report) The IGC’s approach to VfM … Continue reading

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Don’t blame advisers for non-advised drawdown!


“Savers accessing the burgeoning non-advised drawdown market are failing to engage with information, investing in unsuitable investments and risking running out of money in retirement, an FCA probe has found”. – John Greenwood – Corporate Adviser. You can read the … Continue reading

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Beyond the workplace – managing our pension saving legacy.


  The FCA are consulting on the £400bn of pension assets that are not in workplace pensions. Implicit in the consultation is a desire to help those who depend on them in retirement to maximise these savings. The savings are … Continue reading

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Smoke, mirrors and bogus objections; an acerbic blog from Con Keating


For their own reasons, usually venal, objectors to the implementation of collective defined contribution have managed to surround the concept with a fog of obfuscation and confusion. This has only been possible because of one of the great strengths of … Continue reading

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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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The FCA can excel; the “non-workplace pension” paper’s a model of its kind


Henry Tapper and Pension PlayPen response to FCA’s paper DP18/1 Effective competition in non-workplace pensions This is the response of Henry Tapper and the Pension PlayPen. It is not a response on behalf of any other organisation that Henry Tapper … Continue reading

Posted in advice gap, BSPS, dc pensions, drawdown, Henry Tapper blog, pensions, PLSA, Retail Distribution Review, Retirement | Tagged , , , , , , , | 1 Comment

Opting back into a pension scheme?!?


One of the uses of a CDC scheme could be to allow people who have opted out of a DB plan – to opt back into a scheme which pays them a wage for life – albeit one that isn’t … Continue reading

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There are no rats and the ship is not sinking (a message for BSPS members)


Thanks to the moderators of the BSPS Facebook groups for access and to the poll’s author for permission to publish. This is a very worrying post from a BSPS member. The poll is recent and is the only data I … Continue reading

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Does financial incapacity matter?


We are a nation of financial incompetents.- or so FCA research tells us. A quarter of the people who have accessed a defined contribution pension in the past two years do not know how they did so.  The Financial Lives survey, … Continue reading

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Extreme investment caution’s killing off final salary schemes – Boulding.


  Extreme investment caution is killing off final salary pensions, believes Adrian Boulding – and, within that, there is a stark message too for the defined contribution saver. Adrian is a long time friend of this blog and I’m pleased … Continue reading

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