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Tag Archives: spending
Don’t blame the young for the way they save – don’t blame the old for the way they spend!
The World Economic Forum has issued a report into retirement savings that concludes that most of us will be bound to the outcomes of defined contribution savings plans rather than the beneficiaries of defined benefit pension plans Don’t blame the … Continue reading
Getting youngsters saving more
Telling youngsters to save more is a waste of time It’s been a sad 48 hours on twitter watching the wolf pack turn on Paul Claireaux for his cappuccino blog – where Paul postulates that a youngster could have a … Continue reading
Posted in advice gap, age wage, pensions
Tagged ESG, internet, millennials, pension, Responsible, Saving, spending
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People don’t want to be #engaged or #educated – keep it simple and fun!
I enter into the final days of the year, hoping to hear less of the e-words in 2019. “Education” has been appropriated by the financial community as a way to endorse a value set that suits the financial community. Put … Continue reading
Save money and party – it’s the best way!
There is saving gene in our DNA. I haven’t firmly identified it from the human genome project but I think it’s the black ball just to the left of the light blue one second coil along. Well there has to be a … Continue reading
“Rape and Kill” – why the public are turning off retirement advice.
Thanks to the PPI for the second Future Book – Unravelling Workplace Pensions. The 2016 Edition of the PPI’s study on workplace pension is published today. Getting data on the state of workplace pensions has always been tricky. If you … Continue reading
Posted in drawdown, pensions, PPI
Tagged auto enrolment, dc, decumulation, default, pension playpen, pensions, PPI, Saving, spending, workplace Pensions
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The future of NEST
NEST has called for people and organisations to comment on what it should do when the initial surge of auto-enrolment is over. We have already seen rivals to Sage suggesting it remain circumscribed to its current limited function. We … Continue reading
Posted in auto-enrolment, NEST, pensions
Tagged auto enrolment, Business, CDC, DWP, National Employment Savings Trust, NEST, pension, pensions, Retirement, Ros Altmann, Savings, spending
7 Comments
Confusing intermediaries
Whether we are talking about saving (accumulation) or spending (decumulation) the issue is the same. Continue reading
Posted in auto-enrolment, pensions, Pensions Regulator, Politics
Tagged accumulation, auto enrolment, deals, decumulation, pensions, Saving, spending, Steve Webb, workplace Pensions
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When spending your retirement pot – the first 5 years are vital – Con Keating
The process of converting retirement savings assets into an income, which has come to be known as decumulation, needs first to be placed in context. The decumulation phase of retirement savings is that period when an income is drawn from … Continue reading
Posted in pensions
Tagged CDC, decmulaiotn, decumulation, Pot, retirement pot, spending, volatility
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The frictionless fees that shame our name!
I have been following at a polite distance the argument among financial advisers between those pressing for fee disclosure in pounds and pence and those who would prefer to charge and disclose advisor fees as a percentage of the fund. … Continue reading
Posted in pensions
Tagged advice, advisory, Amazon, defaults, Drawdown, frictionless, IFA, spending, wealth management
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Lassitude or laxitude – 100 days of pension freedoms
“Lassitude” or “Laxitude” – what’s your judgement on how we’re carrying on? Or is this all just fine? Lassitude is a “proper” word that describes a lazy behaviour resulting from world weariness, laxitude is a made up word that describes … Continue reading
Posted in CDC, pensions, Popcorn Pensions
Tagged advice, annuity, Business, CDC, dc pensions, Employment, income drawdown, Investment management, lassitude, laxitude, old, pension, Pension Freedoms, Pension new, pension playpen, pensions, Retirement, retirement savings, Saving, spending, young
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