Tag Archives: SIPP

“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 , , , , , , | Leave a 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

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

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

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

“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

Posted in pensions | Tagged , , , , , , , | Leave a comment

True Potential for a good IGC report.


  A little tardy (but not as tardy as fellow auto-enrolment SIPP, Intelligent money, True Potential has produced its IGC report, you can read it here. You would have to be good at web navigation and persevering, to find it. I … Continue reading

Posted in governance, IGC, pensions | Tagged , , , , , , , , , , | Leave a comment

IGCs – a final reckoning


Here is a summary of the IGC reports analysed on this blog. If you want to read my assessments in detail, please use the search engine. I have segmented the blogs as you can see. It may be unfair to … Continue reading

Posted in governance, IGC, investment, Pension Freedoms, pensions | Tagged , , , , , , , | Leave a comment

Advertising UCIS on Linked In?


I have received an unsolicited email on Linked in I hope you are well. We have a limited opportunity for your client’s to invest in a UK Eco Park Corporate Bond for a 15 month period with a guaranteed interest payment … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , | Leave a comment