Tag Archives: Tax

We need to simplify our pension affairs


We are told that pensions are complex. We are told that we need advice to manage our retirement finances. We are warned hat we could be scammed if we don’t. Is it any wonder that people look at their retirement … Continue reading

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Pensioning employee’s sleep ( with thanks to Kate Upcraft)


Not for the first time, I’m very grateful to Kate Upcraft for highlighting a pensions issue that impacts thousands of carers – but appears to be completely off the radar of most pension people. Kate is a freelance payroll consultant … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , , , , , , | 3 Comments

Some commercial considerations for CDC


So who’s going to “sell” CDC? What an odd question! I can see the friends of CDC choking over their cornflakes at my asking this question. In the gentile world of policy- it is rarely done to use the “s” word! … Continue reading

Posted in actuaries, advice gap, CDC, pensions | Tagged , , , , , , , | 1 Comment

Is auto-enrolment to become a stealth-tax on the poor?


  The DWP has released a 200 page  report into the state of the auto-enrolled nation. You can access it here. I’ve read the executive summary which is full of surprises and the report is clearly informing future strategy. The … Continue reading

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“Cry havoc and let slip the dogs of war”


One of the features of a close-knit community is that people talk to each other. For Steelworkers this has been at works and  in clubs. Now the works and clubs of Port Talbot, Llanwern, Scunthorpe and Redcar  have digital counterparts in the Facebook pages … Continue reading

Posted in BSPS, pensions | Tagged , , , , , , | 12 Comments

Taking care of the “social” in housing.


Paying for the improvements in our social housing, to improve safety is going to be expensive. You wonder where the money will come from, or at least I did till I read a good article by Merryn Somerset-Webb in the … Continue reading

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We cannot treat low-earners as second class retirees.


I am returning again to the complicated tax situation that people earning under the nil-rate income threshold find themselves in when saving into pensions. I’m doing so for three reasons From a societal point of view , it is wrong … Continue reading

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No demand, no supply, no advice- wonder why?


No demand? We learn today that advisers are not demanding providers rebate them portions of their client’s funds to pay for their pension related services. This is really odd; as pension funds are tax-advantaged and investors are missing out on tax-advantaged … Continue reading

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“A dementia tax- by any other name”- guest blog from Alex Adamou


Thanks to Alexander for this excellent blog and for Con Keating for sending it to me. After watching an unusually shallow discussion of the so-called “dementia tax” on This Week last night, I want to give my take on it. … Continue reading

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What a “strong mandate” means for pensions.


Since the range of outcomes considered by the bookies ranges from “strong” to “weak” conservative majority, I’m putting my money on the Liberals getting an overall majority (only 25-1 with William Hill). That seems the likeliest alternative outcome and I’ve … Continue reading

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