Tag Archives: SIPP

There is only so much pension risk, an ordinary person can take.


This diagram shows us the points where we can do well in our “journey” as DC investors. It’s a useful starting point in working out how we create value for money for ourselves. This article shows that how much we … Continue reading

Posted in advice gap, pensions | Tagged , , , , | 3 Comments

Time for a DC upgrade?


I was wading through yet another long and technical explanation of CDC  when I got my Eureka moment! I don’t want a CDC plan, I want a DC upgrade! I’m not dissing legal eagle Sandeep Maudgil (who’s soon to appear … Continue reading

Posted in annuity, CDC, pensions | Tagged , , , , , , | 3 Comments

Self-employment; opt-out or cop-out?


https://platform.twitter.com/widgets.js These are numbers produced by our Office of National Statistics. Detailed notes are at the bottom of this article. We can safely assume that (without Government intervention) the trends have continued and that the 2017 and 2018 numbers will … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , | 2 Comments

“Probing” IFAs is not enough; we need simpler more transparent transfers.


  Allegations of “mis-selling” against IFAs are premature and unsubstantiated. My eye was caught last night by a linked in post by Andrew Warwick-Thompson, formerly of the Pensions Regulator. Here we go again. The personal pensions miss-selling scandal all over … Continue reading

Posted in Blogging, BSPS, Change, FCA, pensions | Tagged , , , , , , , , , | 3 Comments

It’s not just IFAs that should be livid!


Here is the note I wrote when I read New Model Advisers report On why FSCS cannot determine its current levy (uncertainty over Strand Capital) On why FSCS has to unravel its past compensation (uncertainty over Arch Cru) Today (Jan … Continue reading

Posted in accountants, advice gap, FCA, governance, pensions | Tagged , , , , , , | 1 Comment

Following the money away


  There is a simple rule in investment matters, “if you can’t understand it, don’t invest in it”. Which is why the FCA stop people with limited investment understanding investing in compex financial products . It is why transparency matters, … Continue reading

Posted in advice gap, FCA, Fiduciary Management, Financial Conduct Authority, pensions | Tagged , , , , , , | 3 Comments

So you want to pay your own pension costs- do you?


A new twist to the Pension Transfer Debate has been introduced by Willis Towers Watson (WTW) at a seminar last Tuesday at their London offices. At the event, consultants reported a ripple effect caused by the surge in members transferring out. WTW … Continue reading

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Helping older people with money


  I’m pleased to see the FCA publishing a paper on the particular problems older people  have with financial services, I haven’t read it all , only the summary (which I can summarise as the paper does)! The summary rightly … Continue reading

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“Strap me in and platform me up”


  One of the great financial mysteries of Britain today is the success of fund platforms. Last night, light was shed on their murky secrets by a high priest of their dark arts at a talk I attended in a … Continue reading

Posted in pensions | Tagged , , , , , , , , | 7 Comments

Don’t be passive; just because your tracking


  Most of us have our pensions invested in passive funds. I use a passive grammatical structure because we do not choose , our funds are chosen by others, hopefully with our best interests in mind. So the best we … Continue reading

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