Tag Archives: Saving
Show me the money!
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
Posted in auto-enrolment, Bankers, pensions
Tagged Business, Dogs Rule, Financial services, Magic Money Machine, Metro Bank, pension playpen, pensions, Retirement, Saving
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Budget 2016 – strengthening the incentive to -what? -Fiery stuff from Ralph Frank
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
Pensions Austerity – tougher for the rich than the poor?
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
Posted in pensions
Tagged Budget16, Business, distribution re-distribution, higher rate tax, HMRT, pensions, Retirement, Saving, Tax, tax relief
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Confusing intermediaries
Whether we are talking about saving (accumulation) or spending (decumulation) the issue is the same. Continue reading
Posted in auto-enrolment, pensions, Pensions Regulator, Politics
Tagged accumulation, auto enrolment, deals, decumulation, pensions, Saving, spending, Steve Webb, workplace Pensions
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Preparing for an auto-enrolment capacity crunch.
The Telegraph is running a story suggesting that the DWP are drawing up a plan B for auto-enrolment that could see the timeline for initial staging stretch to the next decade. Nannies, gardeners and staff at small firms may not get … Continue reading
Posted in accountants, actuaries, advice gap, auto-enrolment, NEST, pensions, Pensions Regulator
Tagged auto enrolment, Business, Business and Economy, corporate governance, corporate risk, dc pensions, DWP, Employment, Financial services, John Ralfe, Katie Morley, National Employment Savings Trust, NEST, pension, Pension new, pensions, Retirement, Saving, Steve Webb, the Daily Telegraph, The Pension Regulator, Workie, workplace pension
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Is increasing complexity making pension saving harder ? – guest blog by Ralph Frank.
The most conclusive finding of a recent survey by PwC into pensions taxation was not even related to the respondents’ views on the central question of the survey (namely, the most appealing tax scenario for their pension)! Sixty percent of … Continue reading
Posted in pensions
Tagged Actuarial science, advice, ageing, complexity, corporate risk, dc pensions, de-risking, Government, knor, PWC, Retail Distribution Review, Saving, Treasury
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Why I want to be old – rich and pay no tax!
There’s a famous story, now fading from popular memory about Strand, a brand of cigarettes in the sixties. Strand came out with a strap-line “you’re never alone with a Strand” It killed the brand stone-dead. People associated smoking a Strand … Continue reading
Posted in pensions
Tagged Bogoff, George Osborne, incentives, pensions, retirement income, Save, Saving, Spend, Tax, tax deductions, tax relief
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What AE’s doing to pension saving – guest blog from Richard White
Richard White works for Portal Financial a Rochester based IFA who are producing some really interesting stuff on pensions. This is Richard’s first blog for us and I hope we’ll be able to feature more! Research highlighted in our blog post … Continue reading
Posted in pensions
Tagged advice, annuities, auto enrolment, pension, pension saving, portal Financial, Saving
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Lassitude or laxitude – 100 days of pension freedoms
“Lassitude” or “Laxitude” – what’s your judgement on how we’re carrying on? Or is this all just fine? Lassitude is a “proper” word that describes a lazy behaviour resulting from world weariness, laxitude is a made up word that describes … Continue reading
Posted in CDC, pensions, Popcorn Pensions
Tagged advice, annuity, Business, CDC, dc pensions, Employment, income drawdown, Investment management, lassitude, laxitude, old, pension, Pension Freedoms, Pension new, pension playpen, pensions, Retirement, retirement savings, Saving, spending, young
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Raining on pensions (again)! Guest Blog from Ralph Frank
The 2015 Summer Budget has delivered a series of blows to pensions in the UK. The Chancellor of the Exchequer claims that “the government is committed to supporting savers at all stages of their lives to help them … Continue reading
Posted in pensions
Tagged defined benefit pension, Government Bonds, pensions, raining, Saving, summer budget, Tax, tax relief, transferring pensions
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