Tag Archives: Saving

Corporate wraps for the Sunny Uplands ?

Today I’m due to spend all day discovering what the corporate wrap has done for us. Currently I reckon I could sum it up in one word. NOTHING Of course it sounds better with a naughty word but that’ll do. … Continue reading

Posted in corporate governance, customer service, dc pensions, de-risking, pension playpen, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Yes – things are this bad in DC land!

We all know that equity markets have sent the value of our pension savings into free fall and some people understand that low prospective interest rates mean the amount of pension you can buy from your savings has fallen lower. But did … Continue reading

Posted in annuity, dc pensions, de-risking, pension playpen, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , , , , | 12 Comments

The case for doing nothing

There is a case for doing nothing and it is a logical case- but it’s not a course of action I intend to follow, Continue reading

Posted in corporate governance, dc pensions, de-risking, Retirement | Tagged , , , , , , , , , , , , , , , , , , , | 14 Comments

Accounts and accountability-who pays for NESTCorp?

I am a lover of NEST– of collective DC – of private and public partnerships that bring better funded pensions to people for whom the current system cannot reach. I have made my own private submission to the Work and … Continue reading

Posted in NEST, pensions, Personal Accounts, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , | 11 Comments

Buy now while IFAs last?

Commission comes at a cost and a cost that is rarely counted Continue reading

Posted in corporate governance, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , , , , , , , , , | 13 Comments

If you write as good as you talk – no one reads you

None of us currently have the answers and if we don’t have these conversations I suspect we never will! Continue reading

Posted in NEST, pension playpen, pensions, Retirement, social media | Tagged , , , , , , , , , , , , , , , , , | 4 Comments

fudging, nudging (and attitude budging)

what starts out as a wish to get educated , realises itself in a sales experience and detoriates into disillusionment, is the standard experience of many members of the public. Continue reading

Posted in Retirement | Tagged , , , , , , , , , , , , , , , | 4 Comments

General Melchett revisited

An interesting picture is beginning to emerge which suggests that the subjective satisfaction scores given by schemes in relation to their consultant may be inversely related to the value delivered through default solution design Continue reading

Posted in dc pensions, de-risking, Liability Driven Investment, NEST, pension playpen, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , | 14 Comments

Personal Pensions – why competition didn’t work

It is now the urgent job of those left standing to do something about this legacy and an equal responsibility to ensure that the future continues to look a little brighter.

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Posted in annuity, pension playpen, pensions, Retail Distribution Review | Tagged , , , , , , , , , , , , , , , , , | 5 Comments

Spend don’t save.

Let’s adopt a spend mentality to the future Continue reading

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