Tag Archives: Technology

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

Posted on January 14, 2019 by

  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 , , , , , | 3 Comments

We Need Breakthrough Business Models, not Breakthrough Technology

Posted on December 25, 2018 by

I found this article on Linked In. You can find the original here. It makes a lot of sense – not just of why we get bubbles, but how- succesful businesses can be created out of the vacuum when a … Continue reading →

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The price of being sick in the head

Posted on December 16, 2018 by

  “Sick in the head”? The phrase doesn’t quite work for Tina – a 38 year old Mum who suffered from post-natal depression and then found her life and critical illness insurances 30% more expensive than if she hadn’t declared … Continue reading →

Posted in advice gap, annuity, pensions | Tagged , , , , , , , | 1 Comment

Auto-enrolled through L&G/Ease – read this.

Posted on December 11, 2018 by

This blog is written for employers and advisers who have used or assisted with the ITM eAsE link to L&G’s workplace savings Plan. You are where you are – here is some context and some thoughts on your position] For … Continue reading →

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“GMP equalisation” – will the geeks inherit the earth?

Posted on October 30, 2018 by

Few pension experts expect GMP equalisation to change people’s lives. The Daily Express’ headline “Millions of women to share pension windfall” is plain wrong. GMP equalisation can benefit men as well as women. The Express, reckon 8,000 out of 235,000 … Continue reading →

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Young people thinking about money

Posted on October 28, 2018 by

I’ve been asked to pontificate on how we should make pensions relevant for the young, in 750 words. My audience won’t be young and nor am I. In every sense of the word, this is a paternalistic project. If I’m … Continue reading →

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The conflicts of interest facing pension trustees

Posted on October 10, 2018 by

  Robin Powell of the Evidenced Based Investor, interviewed me this week. You can find the original interview here, Robin’s work is important, I hope a few readers will come to his seminar- advertised at the bottom of this piece. … Continue reading →

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

“Pentech” needs to lead or the dashboard won’t work

Posted on September 28, 2018 by

  The dichotomy between old and new skool pensions has rarely been so well displayed as at Wednesday’s Pension Dashboard Summit Enterprise v Start -up Consumer led v business case Big Government v entrepreneurs ABI v open banking Saving v Spending Prospective v … Continue reading →

Posted in Dashboard, pensions | Tagged , , , , , , , | 1 Comment

Millennials! stand up for your future.

Posted on September 25, 2018 by

There weren’t many people at the Pension Management Institute’s event last night But it was an important meeting nonetheless   There is a little group of pension professionals under the age of 40 who could grow. They want to have a … Continue reading →

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

Auto-enrolment; a national exercise in trust.

Posted on September 21, 2018 by

I like to tease Jo Cumbo that she can trust no-one because of her heritage! This blatantly xenophobic comment is based on a British prejudice that Australians find compulsion acceptable as compliance is in the blood. A second prejudice, that … Continue reading →

Posted in auto-enrolment, pensions | Tagged , , , , , | 2 Comments