Tag Archives: spending

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

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“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

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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

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Confusing intermediaries


Whether we are talking about saving (accumulation) or spending (decumulation) the issue is the same. Continue reading

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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

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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

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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

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Are the conservatives the party for pensioners?


  The Conservatives are due to talk this morning about how they can justify their claim that they are the party for pensioners. Look forward to promises to; Maintain the triple lock Increase the pensioners tax-free allowance from £6000 to … Continue reading

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