Thanks. "The crucial difference, however, is that the ISA withdrawal is not a loan." As the two article links confirm,…
www.nber.org/system/files/working_papers/w32828/w32828.pdf While there is good evidence for automatic escalation in the US, it is not as powerful as its advocates…
"To what extent do minimum AE contributions need to increase? It would be good if everyone had contributions into DC…
Except they’re not saving into a pension, Minister unless we convert all those pots to CDC and give them what…
Tag Archives: The Pension Regulator
If NEST’s web services are “free” – who’s picking up the tab?
Employers who choose NEST will be able to onboard directly from payroll assuming payroll holds the information NEST needs to set-up. As with most things NEST do , the announcement this week that they have created a suite of … Continue reading
Posted in NEST, Payroll, pension playpen, pensions, trustee
Tagged auto-enrolmnent, choices, choices taskforce, NEST, PAPDIS, pension playpen, Pensions Bib, Ros Altmann, The Pension Regulator, TPR, workplace pensins
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Telling tales or tipping off?
There is a fine line between campaigning journalism and incompetent meddling. Those whose jobs it is to stamp on malfeasance see the campaigners not as crusaders but as a menace. Those who campaign see those in authority not as allies but … Continue reading
Posted in Pension Freedoms, pension playpen, Pensions Regulator, Ros Altmann
Tagged Actionfraud, blogging, DWP, Fraud, National Employment Savings Trust, pension, pension liberation fraud, Pension new, Pension Regulator, PensionPlaypen, pensions, Politics, Retirement, The Pension Regulator, tipping off, TPR
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Helping carers to a proper pension..
How hard is it for us to get those who care for others , the same pension rights as those of us cared for by our employers? Rather hard – it would seem – at least according to yesterday’s Moneybox. … Continue reading
Posted in auto-enrolment, pensions
Tagged auto enrolment, Business, carers, DWP, Employment, NHS, older workers, pension, Pension new, pension playpen, pensions, Retirement, Ros Altmann, The Pension Regulator
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Time to move on?
This election was brutal. Gregg McClymont knew his fate but Steve Webb’s defeat was a shock to us all – sadly electors don’t wear pension goggles. Just as we were resigning ourselves to BAU, David Cameron announced Ros Altmann’s appointment … Continue reading
Posted in pensions
Tagged ageing, BBC, change, Conservative, corporate risk, David Cameron, DWP, Government, NAPF, pensions, Ros Altmann, The Pension Regulator, TPR
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Technology – not short-cuts – points the way to good pensions.
Pension Providers are challenged by later-stage auto-enrolment Let’s be under no illusions. The scale of the challenge facing workplace pension providers from auto-enrolment in 2016 is every bit as daunting for them as the challenge to payroll , advisers and employers. … Continue reading
Two thirds of SMEs are pension virgins.
New research is out on the purchasing intentions of the remaining 1.2m employers who aren’t “in” to auto-enrolment. Of the SMEs surveyed who are yet to stage, two thirds (66%) don’t have any existing pension arrangements for their staff while … Continue reading
Posted in accountants, advice gap, auto-enrolment, DWP, Payroll, Pension Freedoms, pension playpen, pensions, Pensions Regulator
Tagged accountants, advice, annuity, auto enrolment, Business, choice, Defined benefit pension plan, DWP, Employment, Guidance, pension, Pension new, pension playpen, Pension Regulator, pensions, Retirement, Steve Webb, The Pension Regulator, TPR
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Turning auto-enrolment information into knowledge
I spend far too much of my life on the Pension Regulator’s website trying to narrow the information available to make people knowledgeable. It isn’t easy. ENGAGE &lt;iframe src=”//www.googletagmanager.com/ns.html?id=GTM-NQPC6C” height=”0″ width=”0″ style=”display:none;visibility:hidden”></iframe> From the moment you hit the site you … Continue reading
Why I’m encouraging civil disobedience!
I’ve been spending a little time catching up on the Pension Regulator’s website- well it is Christmas after all. I’ve come across this. It’s a guide to employers on how they should talk to their staff about pensions. It is … Continue reading
Posted in pensions
Tagged annuity, Business, Defined benefit pension plan, DWP, employer, Employment, Insurance, pension, pension playpen, pensions, Retirement, Steve Webb, The Pension Regulator, worker
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Two into one will go!
Steve Webb’s admission that we need a single regulator is a sign of his strength . It takes guts to admit you’ve been wrong for four and a half years! I’d come to the same conclusion myself reckoning;- That the geographic split between Brighton … Continue reading
It’s the legacy, stupid!
If we really care about retirement outcomes, we have to think about this stuff and the £20bn of unclaimed (orphaned) pensions that are hanging around in the back cupboards of life companies and occupational pension schemes alike. Continue reading
Posted in annuity, corporate governance, customer service, dc pensions, de-risking, Liability Driven Investment, Martin Lewis, pensions, Treasury
Tagged annuity, corporate governance, corporate risk, customer service, dc pensions, de-risking, Financial services, Hill Samuel, Insurance, Liability Driven Investment, Life annuity, Martin Lewis, moneysavingexpert, pension, Pension Pound, Pension Poverty, pensions, policing, Politics, Scottish Widows, Standard Life, The Pension Regulator, Treasury
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I did not find this , Torsten's most impressive work (not sure it was his). But it at least remind…