Tag Archives: TPR

TPR- the price of pensions can fall as well as rise.

Posted on October 12, 2017 by

The Pensions Regulator appears to have forgotten one of the fundamental laws of gravity-  “what goes up, must come down”. In consumer finance this translates into “the value of investments can fall as well as rise” and in the case of the … Continue reading →

Posted in Bankers, pensions | Tagged , , , , , | 10 Comments

Is NOW the time to transfer out?

Posted on October 11, 2017 by

I was talking last night to a senior financial journalist about NOW pensions. In the catalogue of actions that the Pensions Regulator can call upon, insisting on the inclusion of Dalriada Trustees, is perhaps the most alarming. Dalriada is a … Continue reading →

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

“Pension contributions triple in April!” – is that what you’ll tell your staff?

Posted on September 1, 2017 by

A lot of small employers we talk to are keen to work out “what happens next” with auto-enrolment. Understandably they want to model the cash-flow implications for their businesses and evolve a communication program as part of the reward strategy … Continue reading →

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

“April 2018 – a nudge too far?” Pension Play Pen Lunch – Monday 4th September

Posted on August 31, 2017 by

In little more than six months time , auto-enrolment will face its next big test. Minimum contributions to workplace pensions will increase from 1% employer and 1% employee to 2% employer and 3% employee. The contributions need only be paid … Continue reading →

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

“What’s the purpose of a pension scheme?” – Con Keating

Posted on August 16, 2017 by

  Con Keating argues in this piece that pension schemes aspire to “self-sufficiency”, giving them the status of  insurance companies. His thinking centres on what claims we have on schemes if the covenant to fund these schemes is lost. His conclusions … Continue reading →

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BSPS2 – a superior kind of lifeboat?

Posted on August 12, 2017 by

The news that members of the British Steel Pension Scheme will have the choice between swapping their pension rights for participation in the Pension Protection Fund of a new Pension Scheme (code-named BSPS2) has been well flagged. It might seem … Continue reading →

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

Who will champion DC savers?

Posted on August 6, 2017 by

I hear a lot of DB experts at conferences talking about transferring their “skill-set” for the benefit of DC savers; they want to transport their language – diversified growth funds, liability driven investment and glide-paths into the lingua franca of … Continue reading →

Posted in dc pensions, pension playpen, pensions | Tagged , , , , , , | 16 Comments

Four ways to harvest what auto-enrolment has sown!

Posted on August 4, 2017 by

We have to think how we can best support the 1m employers who have workplace pensions. Here are some solutions we’re coming to. Continue reading →

Posted in accountants, auto-enrolment, NEST, now, pensions | Tagged , , , , , | 1 Comment

2018 and all that… AE costs go up 150%!

Posted on August 2, 2017 by

  How prepared are we for the first big hike in auto-enrolment contributions in April 2018? Should we be preparing our staff for a fall in take home pay? What can we do to see pension saving as a positive? Alright … Continue reading →

Posted in auto-enrolment, pensions, Sage | Tagged , , , , , | 1 Comment

The Pension Regulator should not market workplace pensions.

Posted on July 26, 2017 by

  In his statement to announce his scheme’s withdrawal from tPR’s list of workplace pension providers Morton Nilsson claims NOW: Pensions has always been a huge supporter of the master trust assurance framework and was one of the first providers … Continue reading →

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