Tag Archives: Scheme
It’s charges not contributions that are on the “race to the bottom”!
I’ve been reviewing the 2013 charging options available to advisers using Scottish Widows – “Corporate Pensions; RDR and charging shape options”. The document gives advisers numerous options to pass on fees to members of their workplace pension plans. I wonder whether … Continue reading
A defined ambition scheme that would work
Members want two things from their pensions, a decent retirement when they knock off work and certainty that they’ll get it during their working lives. It is extremely expensive to achieve these things and beyond the means of most people. If … Continue reading
Posted in actuaries, annuity, David Pitt-Watson, dc pensions, de-risking, Management, napf, NEST, pensions, Popcorn Pensions
Tagged Balance sheet, Employment, Government, Michael Portillo, pension, Pension Protection Fund, Retirement, Scheme
5 Comments
Opt-outs triggered by smartphones say Legal and General!
Speaking at a private conference for First Actuarial staff, Adrian Boulding said that Legal and General‘s clients were enthusiastic about their staging experience and he went on to suggest that members were much more ready to get information and transact digitally than his firm … Continue reading
Posted in actuaries, auto-enrolment, corporate governance, dc pensions, de-risking, Facebook, First Actuarial, Management, NEST, Payroll, pension playpen, pensions, twitter
Tagged Actuarial science, Adrian Boulding, Asda, IPhone, Legal & General, Marks & Spencer, National Employment Savings Trust, pension, Sainsburys, Scheme, Steve Webb
6 Comments
Who owns www.henrytapper.com?
I got this unsolicited message earlier this week from “Daniel”who appeared to be working for my friends at Baker Tilly. Dear Henry, I recently discovered you after reading some of your blog content on http://www.totalinvestor.co.uk, which led me to look at your … Continue reading
Sponsor affordability and the use of security
This is an excellent article from my friend Simon Kew who trades as the Pensions Jackal on twitter. The subject may seem obscure but it isn’t – if you are in a Defined Benefit Pension Scheme you should know about … Continue reading
Building an online community on LinkedIn
I’ve been thinking about a specific business problem set by a large client. The problem is this; they have a mature pension scheme which they have properly funded for many years. They are keen that staff better understand its benefits … Continue reading
Posted in Financial Education, Linkedin, pension playpen, social media
Tagged Employment, GMB, linkedin, National Employment Savings Trust, pension, Scheme, Social network, Trade union
3 Comments
NEST’s been gelded by the ABI – this is the result!
Here is a case study that will be of interest to Gregg Mcclymont MP @greggmcclymont and those campaigning for “remasculating” NEST. As I’ve said before NEST is a pension eunuch. It cannot accept transfers, accomadate chunky contributors or pass on the benefits … Continue reading
Who pays for a register of pensions?
I’ve been writing this week about the small pension policies that most of us have “lying around” in some drawer or other. Maybe they came from well intentioned pension savings plans that just couldn’t be kept up, maybe from company DC schemes that … Continue reading
Posted in annuity, auto-enrolment, Management, Martin Lewis, pensions, Popcorn Pensions, Retail Distribution Review, Retirement, social media, Treasury
Tagged Association of British Insurers, DC Comics, Government, Insurance, National Employment Savings Trust, pension, Scheme, Steve Webb
54 Comments
The ACA have spoken – the DWP ought to listen
Let’s hope that instead of issuing yet more consultation documents on the policing of the auto enrolment regulations, the Government will , through its key Departments, DWP and the Treasury, start getting us excited about the prospect of this new order. Otherwise this new pension paradigm will degenerate, as its Stakeholder predecessor degenerated, into a fearful, unloved, unadopted and unenforced mess.
Posted in annuity, corporate governance, customer service, dc pensions, de-risking, pensions, Personal Accounts
Tagged annuity, corporate governance, customer service, dc pensions, de-risking, Employment, Financial services, Government, National Employment Savings Trust, pension, Pension new, pensions, Pensions, Persnal Accounts, Personal Accounts, Politics, Public Sector Pensions, Scheme, Tata Consultancy Services, Treasury
15 Comments