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Tag Archives: Royal London
Affordability – is the NHS pricing people out of its pension scheme?
Perhaps we are getting a little complacent about opt-outs? The FT has published research showing that opt-outs from the NHS pension scheme are running at 5 times the rate of opt-outs from the Local Government Scheme. When I first … Continue reading
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Some odd things about partial transfers.
There’s a debate going on between Al Rush, Jo Cumbo, Steve Webb and a number of others with regards partial transfers from defined benefit schemes. Want to go 50:50 with a “final salary” pension transfer? Ford will soon let employees … Continue reading
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Posted in advice gap, BSPS, pensions
Tagged CETV, pension, Pension Transfer, Royal London, Steve Webb, transfers
5 Comments
How do Customers benchmark what’s good about their DC pension?
For employer’s it’s all been about inter-operability I’m returning to a question that has bothered me since the inception of auto-enrolment over six years ago. To begin with, it was a question for employers and could largely be answered in … Continue reading
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Posted in actuaries, advice gap, pensions
Tagged advisers, Aegon, AgeWage, Aviva, L&G, pension playpen, Royal London, Standard Life
3 Comments
Will a “Transfer Value Comparator” work?
t DB transfer activity has begun to stabilise, with far more transfers being quoted and taken every quarter compared with the position before the new freedom and choice flexibilities were introduced by the Government in 2015. Bart Huby LCP Aug … Continue reading
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Posted in advice gap, BSPS, pensions
Tagged CETV, LCP, pensions, Royal London, Steve Webb, Transfer Value Comparator, TVC
4 Comments
Are some schemes over-paying on Transfer Values?
Royal London have requested and got the notorious letter sent earlier this year to certain schemes perceived to be vulnerable to pension transfers. It includes the following sections. There is nothing new about this guidance; Steve Webb is spot on … Continue reading
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Do IGC’s improve our value for money?
This is the 7th and penultimate blog , addressing the Work & Pensions Select Committee’s questions on pension transparency. This time the exam question is Are Independent Governance Committees effective in driving value for money? My short answer is that … Continue reading
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Posted in pensions, WPC
Tagged IGC, L&G, Marketing, pensions, Prudential, Royal London, Technology, VFM, WPC
1 Comment
Royal London’s IGC comes of age
I’ve been tough on the first two reports from Phil Green, Chair of Royal London IGC. I guess I am a convert third time around, as this report reads well, is stacked with useful information on Royal London’s value for … Continue reading
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“Cry havoc and let slip the dogs of war”
One of the features of a close-knit community is that people talk to each other. For Steelworkers this has been at works and in clubs. Now the works and clubs of Port Talbot, Llanwern, Scunthorpe and Redcar have digital counterparts in the Facebook pages … Continue reading
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Posted in BSPS, pensions
Tagged Al Rush, Aviva, BSPS, Port Talbot, Royal London, tata, Tax
12 Comments
“Going halves on DB” – the argument for (and against) partial transfers.
(Rival) consultancy LCP and insurer Royal London have joined up to produce a paper calling for it to be mandatory for trustees to provide members with the option to take part of their DB pension as pension and part as … Continue reading
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Posted in pensions
Tagged CETV, first actuarial, LCP, pension, pensions, Royal London, Steve Webb, Transfer values, transfers
2 Comments
Steve Webb and the triple lock – muddy waters!
Here’s that Royal London press release, calling for State Pensions to be reduced and contributions to private pensions to increase. Royal London has set out a three point plan for the key pension priorities of an incoming government, including … Continue reading
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Posted in pensions
Tagged auto enrolment, Pension Policy, pensions, Royal London, S2P, state pension, State v Private, Steve Webb
2 Comments
