Tag Archives: Tax

Time to tackle pensions tax

Pension taxation isn’t working. It is benefiting those who find it easy to save and not incentivising those who don’t. It is causing doctors to work below their peak capacity and demanding up to 25% more in contributions from our … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , , | 2 Comments

Grand designs from Dolphin Trust

If you want to invest in Dolphin Trust , you can still do so by following the link behind the advertisement above.(though the telephone number doesn’t work and you’ll just be handing your contact details to a sales team if … Continue reading

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

The only solution to the net-pay pension problem comes from HMRC

  Last Thursday, there was another meeting of the group of us, determined to keep up pressure to sort the problem of net-pay pension contributions this side of auto-enrolment’s next big phasing hike in April. Just to rehearse the problem, … Continue reading

Posted in accountants, pensions | Tagged , , , , , | 4 Comments

“Would you pay a social care premium?”

This was the question Radio Five Live’s Wake up to Money asked its audience this Monday morning. 2.5% off wages for the prospect of insurance against things going really wrong with your health in later life? The idea is being trailed … Continue reading

Posted in CDC, Change, Charity, pensions | Tagged , , , | 8 Comments

“How can I have my money back” – the question pension savers dare not ask!

Here is the first page of the two page illustration suggested by Ruston Smith and Quietroom. I will say again that I am impressed that Ruston Smith and Quietroom have got consensus from a variety of regulators to get their … Continue reading

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Pension Tax Reform is the “art of the possible”.

  Everyone knows that pension tax-relief is broken and those who try to cling on to the current system do out of vested self-interest (and I include one former pensions minister in that statement). Wealth managers have come to view … Continue reading

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So what’s unfair about a Pension Wealth Tax?

In this article I argue that any tax increases levied on the rich are ok by me, and I’m rich. The bias of vested interest The vast majority of people get tax relief on their pension contributions. Some people are excluded by … Continue reading

Posted in accountants, Henry Tapper blog, pensions | Tagged , , , , , , , , | 5 Comments

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