Tag Archives: SIPP

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

Posted on March 7, 2018 by

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?

Posted on February 16, 2018 by

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?

Posted on February 10, 2018 by

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.

Posted on January 14, 2018 by

  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!

Posted on January 6, 2018 by

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

Posted on November 29, 2017 by

  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?

Posted on September 25, 2017 by

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 →

Posted in pensions | Tagged , , , , , , , , | 6 Comments

Helping older people with money

Posted on September 22, 2017 by

  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 →

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

“Strap me in and platform me up”

Posted on September 2, 2016 by

  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

Posted on June 5, 2016 by

  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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