Tag Archives: SERPS

How private pensions became a synthetic version of SERPS

Posted on January 5, 2023 by henry tapper

Once upon a time , the Government used to pay pensions based on contributions made by employers and employees. There was no formal pension fund that backed up this pension scheme but the Government , if it did not have … Continue reading →

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Will the cost of living crisis lead to a run on the (pension) pot?

Posted on May 15, 2022 by henry tapper

  Around the turn of the century I wrote my first Government pension consultation response., it was for Eagle Star and was supposed to have been signed off by someone in policy. It wasn’t and it went to Government including … Continue reading →

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Why is the state pension so complicated?

Posted on April 11, 2021 by henry tapper

  Due to the wonder of BBC sounds , you can listen to Paul Lewis, Ros Altmann and Steve Webb discussing this question (minutes 2-13); it’s well worth listening to as it is full of good tips for you , … Continue reading →

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WASPI’s drowning out another minority – those who stayed “in”.

Posted on September 14, 2017 by henry tapper

There is a second WASPI petition. There’s a new #WASPI petition – please sign it! Currently at 11k signatures… How soon 100k? https://t.co/ijhUQohWtk — Sarah Pennells(@Savvy_Woman) September 13, 2017 The WASPI women are well organised and have a widening support … Continue reading →

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Too Expensive to Keep? Is it time to break our promises to the baby boomers?

Posted on September 21, 2016 by henry tapper

In a stunning lecture delivered without notes to a “senior” audience at the Oxford and Cambridge Club last night, Paul Johnson helped us ask these questions of ourselves. For his audience was by and large – precisely the entitled class … Continue reading →

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The New State Pension; winners and losers!

Posted on April 4, 2016 by henry tapper

Today I am going to be on TV, which is making me nervous-I’m surprised how nervous – I expect it’s the fear of the unknown and it’s about having to make stupid choices (tie/no tie; white or patterned shirt etc). … Continue reading →

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Let the canny worm lie?

Posted on February 8, 2016 by henry tapper

The problem with cans of worms is that the cans degrade and in the end the worms get out, and cause a stink. Over the weekend, the Telegraph that acts as a professional “worm can opener” has been turning its … Continue reading →

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There’s a Lamborghini pension in a showroom near you

Posted on September 25, 2015 by henry tapper

A universal Lamborghini pension? At a seminar yesterday, Paul Lewis explained to an audience of IFAs that the full new state pension was a Lamborghini pension. What he meant was that if you wanted to buy an equivalent pension from … Continue reading →

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Why the FCA should take a leaf out of tPR’s book.

Posted on July 30, 2015 by henry tapper

  The Pensions Regulator have been re-born over the last five years and become focussed on helping advisers, trustees and employees solve pension problems. They have started treating us as  customers and not potential criminals. Sadly, this attitudinal shift doesn’t seem … Continue reading →

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What price certainty?

Posted on December 11, 2011 by henry tapper

                                The cost of certainty changes in proportion to the amount of certainty. The more flexible your guarantee, the more it’s going to cost you. I … Continue reading →

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