Tag Archives: Retirement

A tragic tale of a split pension.


    This is the sad story of how someone, intent on running her finances independently of her “ex”, destroyed her personal financial security. It relates to a former member of my family and I am desperately sorry for her, … Continue reading

Posted in advice gap, annuity, pensions, Pensions Regulator | Tagged , , , , , , , | 4 Comments

Plebicide and Suicide – Con Keating on post-Brexit pensions


In the post-Brexit period, I have listened to no fewer than three investment consultants advocating the immediate hedging of interest rate risk in our pension scheme “as the deficit is likely to blossom in the event of further quantitative easing”, … Continue reading

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

Very “interest”-ing


For millions of savers, the most important piece of financial news over the past few weeks has not been about the impact of bond yields on pension liabilities or their mortgage interest payments or the state of the stock market. … Continue reading

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

“Retirees don’t know what to do” – NO SHIT SHERLOCK!


The BBC report… A minority of those aged 55 and over are withdrawing too much from their pension pots, the industry has warned. However, after the first full year since pension freedoms began, the Association of British Insurers (ABI) said … Continue reading

Posted in pensions | Tagged , , , , , , | 7 Comments

Your ten point checklist when choosing a pension


  The law says you have to choose a workplace pension for your auto-enrolment eligible staff. But it doesn’t say how! The Pensions Regulator’s website, while excellent on auto-enrolment compliance, is pretty hopeless in helping you choose a pension. So … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , | Leave a comment

Advised or non advised – that is the question


  Taking decisions is tough and decisions that impact the rest of your life are some of the toughest you’ll ever take. We expect the people who leave workplace pension plans to make choices between annuity, draw down or cash with only … Continue reading

Posted in pensions | Tagged , , , , , , , | 5 Comments

So who gave Mark Carney the keys?


Ros Altmann, along with many others is concerned that a side-effect of the measures announced to bounce our economy out of  Brexit blues, will be to require employers to pump money into pensions and not into jobs, research and building new … Continue reading

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

“Only rich people think small amounts don’t matter”


That’s a quote from Debora Price and I’m making it a strap for whatever campaign I can cobble together to make Government Incentives happen for those who qualify for them , but can’t get them because their trustees don’t collect … Continue reading

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

Pensions Minister in the house – shout out for Richard Harrington!


A new man In one of the lowest keys of appointments, Richard Harrington crept into the DWP as an under-secretary and inherited all the issues for rather less pay than he’d have got if he’d got the usual ministerial salary. … Continue reading

Posted in pensions | Tagged , , , , , , , , , , | 5 Comments

I’m nearly 55 – here’s what I’m doing for myself!


In this blog, I want to share with you my DIY approach to organising my finances as I approach 55. 55 has become an important year as it is the point when you move into what can best be called … Continue reading

Posted in pensions, Retirement, reward, welfare | Tagged , , , , , , , , , | 5 Comments