Tag Archives: Saving

People don’t want to be #engaged or #educated – keep it simple and fun!

Posted on December 28, 2018 by

I enter into the final days of the year, hoping to hear less of the e-words in 2019. “Education” has been appropriated by the financial community as a way to endorse a value set that suits the financial community. Put … Continue reading →

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

Save money and party – it’s the best way!

Posted on January 7, 2018 by

There is saving gene in our DNA. I haven’t  firmly identified it from the human genome project  but I think it’s the black ball just to the left of the light blue one second coil along.   Well there has to be a … Continue reading →

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

Why save more unless we’re told how we’ve done so far?

Posted on July 28, 2017 by

I am very excited. I’m excited because I am at last seeing a way to get information on pensions to the people to whom it matters, ordinary people including the small employers who have currently little access beyond that they … Continue reading →

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“Rape and Kill” – why the public are turning off retirement advice.

Posted on September 29, 2016 by

Thanks to the PPI for the second Future Book – Unravelling Workplace Pensions. The 2016 Edition of the PPI’s study on workplace pension is published today. Getting data on the state of workplace pensions has always been tricky. If you … Continue reading →

Posted in drawdown, pensions, PPI | Tagged , , , , , , , , , | 6 Comments

Property , liquidity and the merit of doing nothing

Posted on July 6, 2016 by

News that Standard Life , M&G (the Pru) and Aviva have put up the shutters on their property funds is dominating the headlines. We are used to being able to move our money around the market with “impunity”. I put … Continue reading →

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

KISS – the way for pensions to work.

Posted on June 11, 2016 by

Simple messages are often the most  effective. When I started selling “saving” I was in my early twenties and I sold to my peers, those in London fresh out of college and struggling to get started in their careers. My … Continue reading →

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Show me the money!

Posted on May 23, 2016 by

My magic money machine Last week I (twice) had the satisfying experience of lugging my piggy bank down to Metro Bank and entering the contents into the Magic Money Machine. My cash was exchanged for a chit (see below) which … Continue reading →

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Budget 2016 – strengthening the incentive to -what? -Fiery stuff from Ralph Frank

Posted on March 17, 2016 by

The first leg of the bi-annual tinkering with Britain’s savings’ environment, historically referred to as the Budget, has recently had its instalment for 2016.  The Chancellor of the Exchequer has maintained his record of increasing the complexity of the savings … Continue reading →

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Pensions Austerity – tougher for the rich than the poor?

Posted on January 25, 2016 by

Speculating on budgetary changes is a mugs’ game and I’ve been as guilty as any of trying to second guess not only the direction but the destination of travel – following the announcements last year of a radical overhaul of … Continue reading →

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Confusing intermediaries

Posted on December 23, 2015 by

Whether we are talking about saving (accumulation) or spending (decumulation) the issue is the same. Continue reading →

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