Tag Archives: state pension

When the dust settles…

Posted on July 9, 2015 by henry tapper

For the second time in two years, George Osborne has produced a budget that will radically change the way we thing about retirement saving. If 2014 was the year we re-thought the way we spent our retirement spending, 2015 asks … Continue reading →

Posted in auto-enrolment, Payroll, Pension Freedoms, pension playpen, Public sector pensions | Tagged advice, annuity, auto enrolment, Business, corporate governance, dc pensions, Financial services, George Osborne, Government, Michael Johnson, pension, Pension new, pension playpen, pensions, redistribution, Retirement, retirement income, retirement saving, retirement savings, SIPPS, state pension, Tax, tax incentives, The Treasury, Treasury, Triple-Lock | Leave a comment

Should workplace pensions have a duty of candour?

Posted on June 29, 2015 by henry tapper

We seem to have learned nothing from the Office of Fair Trading report on workplace pensions. In case you’ve forgotten, the OFT reported they’d never encountered such poor purchasing as with employers purchasing pensions for their staff. What has been … Continue reading →

Posted in pensions | Tagged annuity, auto enrolment, Duty of candour, NHS, OFT, pension, pensions, sleepwalking, state pension | 10 Comments

The forgotten victims of commission

Posted on June 6, 2015 by henry tapper

While the arguments about the abolition of commission for auto-enrolment pensions (from April 2016) are clear-cut, the fate of policies which aren’t used for auto-enrolment – isn’t. This is particularly the case for commission based occupational pension schemes. This week, … Continue reading →

Posted in dc pensions, pension playpen, pensions | Tagged Commission, Defined Contribution, insurance company, Insurer, occupational pension, occupational pension schemes, Policy, Ros Altmann, state pension | 1 Comment

When you’re 64… buy the state pension! (girls buy even earlier!)

Posted on June 1, 2015 by henry tapper

I chaired and spoke at a number of retirement income seminars last month – you may have been at one. While I was encouraged by the engagement and education of the audience in financial products, I was frustrated by the scope … Continue reading →

Posted in actuaries, annuity | Tagged DWP, GAD, IFA, Income, Inflation, Longevity, Old age, old age pension, Retirement, retirement income, Single state pensin, state pension, state pensions | 3 Comments

Is auto-enrolment any more than a tax?

Posted on May 17, 2015 by henry tapper

Speaking in Birmingham last week, former pension minister Steve Webb, commented on how hard it will be to raise the bar on employer auto-enrolment contributions from the current 1% of band earnings to 3% "Anything to get AE pension contributions … Continue reading →

Posted in pensions | Tagged accountants, Accountex, auto enrolment, Government, Government Actuary, henry tapper, National Insurance, National Insurance Fund, Payroll, pension playpen, Ros Altmann, state pension, steve bee, Tax, VAT | 3 Comments

Will pension freedoms be the death of Defined Benefit?

Posted on March 3, 2015 by henry tapper

I thought it was the last supper (or at least the last pension playpen lunch). We had twelve men around the table (no women) and there was sombre expectation as we considered the impact small changes in tax legislation … Continue reading →

Posted in advice gap, pension playpen, pensions, Pensions Regulator | Tagged annuity, Business, Con Keating, dc pensions, defined benefit, defined benefit pension, Defined Contribution, Freedoms, Government, last supper, pension, Pension Freedoms, Pension new, pension playpen, Pension Protection Fund, Pension Regulator, pensions, Politics, ppf, public sector, Public Sector Pensions, Retirement, state pension, Steve Webb | Leave a comment

The Pension PlayPen guide to your pension freedoms

Posted on February 20, 2015 by henry tapper

From April the unpopular tax rules that meant most people had to buy an annuity will change. Pensions are having a makeover which will give you better choices and more freedom. But to take advantage of this makeover, you need … Continue reading →

Posted in pensions | Tagged annuity, Drawdown, Freedom and Choice, Guidance, pension, Pension advice, Pension Wise, state pension, workplace pension | 2 Comments

The year pensions became real again

Posted on December 31, 2014 by henry tapper

Pensions – real money Pension money is real money. It belongs to real people and is used to pay real bills, putting fuel into cars, buying flowers in supermarkets and paying for tickets to watch shows and sports matches. … Continue reading →

Posted in advice gap, Linkedin, pensions, Pensions Regulator, Personality | Tagged Basic State Pension, Business, DWP, Employment, Financial services, George Osborne, National Employment Savings Trust, National Insurance, national insurance contributions, pension, Pension Freedoms, Pension new, pension playpen, pension rights, pensions, Retirement, stakeholder pensions, state pension, Steve Webb | 3 Comments

Tag Archives: state pension

When the dust settles…

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Should workplace pensions have a duty of candour?

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The forgotten victims of commission

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When you’re 64… buy the state pension! (girls buy even earlier!)

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Is auto-enrolment any more than a tax?

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Will pension freedoms be the death of Defined Benefit?

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The Pension PlayPen guide to your pension freedoms

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The year pensions became real again

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Tag Archives: state pension

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