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Tag Archives: trust
Workplace pensions – value for money?
This is the second of eight blogs answering the questions set out in the Work and Pension Select’s inquiry into transparency in pensions. The idea is that this blog, together with comments from anyone who chooses, will go to … Continue reading
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Posted in advice gap, pensions
Tagged DWP, FCA, IGC, NEST, People's Pension, TPR, trust, workplace Pensions
6 Comments
Is there a “true and fair” way to value advice?
Yesterday , I wrote a blog about “ownership” and how we cede ownership of our retirement savings – often to ill-effect. You can read that blog here. This follows up on that thinking and looks at a specific issue … Continue reading
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Posted in pensions
Tagged Alan and Gina Miller, pension playpen, pensions, True and fair, trust, VFM
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Let’s stop pretending guidance is enough.
News that the Government has thrown out proposals for compulsory guidance to protect us from ourselves comes as no surprise to me , though it has clearly angered Ros Altmann. Writing on her blog, the former Pensions Minister writes of the … Continue reading
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Posted in advice gap, pensions
Tagged advice, CDC, Guidance, Pension Freedoms, pensions, trust, trustees, Wage for life
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“Trust is a fragile thing” – it’s based on sharing.
Alistair Queen of Aviva is a great representative of his company. He curated this graphic to twitter yesterday – and it was well liked. Alistair’s comment was made in the context of frustration from Jon Stapleton, a journalist who has done … Continue reading
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Posted in pensions
Tagged Alistair McQueen, Carillion, CDC, Guy Opperman, Jon Stapleton, pensions, Royal Mail, trust
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Defined ambition – a trap avoided
This is a technical note from Con Keating that explains why mark-to-market accounting really doesn’t work for CDC. He sets out a more equitable basis for measuring funding. See if you can follow Con’s logic – I think I can … Continue reading
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Less sales – more trustees please.
I was jogged out of my Friday night lethargy by this picture. Aon’s master trust has just been awarded a “Pension Quality Mark” by the PLSA. I find this picture quite disturbing. The pensions minister Guy Opperman (right) is featured … Continue reading
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Posted in advice gap, pension playpen, pensions
Tagged #PLSAANNUAL, Aon, mattingly, Mortimer, Nash, Opperman, pensions, PLSA, trust
5 Comments
Pensions need trust not more blue-sky concepts.
I’ve received a request from a journalist I’m working on a programme about pensions that needs to be ‘blue sky’, conceptual and not mention the word pension I’m familiar with this kind of thing. There’s a view in the world … Continue reading
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Is contract-based versus trust-based really the question? Guest Blog from Ralph Frank
Automatic Enrolment (“AE”) has resulted in an increase in Defined Contribution (“DC”) pension saving through Master Trusts (“MTs”). This trust-based approach has overtaken contract-based arrangements, such as Group Personal Pensions, as the most popular form of DC saving. A key … Continue reading
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Posted in pensions
Tagged Contract, GPP, master trust, MT, Ralph Frank, regulation, trust, trust-based
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If your boss doesn’t care about your pension , he doesn’t care about you.
Popcorn pensions We’re used to bosses telling us that we’re the company’s greatest resource.Britain is a service led economy and even in an increasingly digital market, the human resource is expensive to acquire and to replace. If you have a … Continue reading
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Posted in auto-enrolment, Payroll, pension playpen, pensions
Tagged auto enrolment, educate, Empower, Engage, pension playpen, popcorn, Popcorn Pensions, Sage, trust, workplace pension
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The soft underbelly of master trusts
Many master trusts are absolutely rotten – they are not fit for purpose. Lots of advisers are using them as a back door way of bringing in commission, dressed up as high governance charges. The words of Barnett Waddingham’s … Continue reading
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Posted in accountants, advice gap, auto-enrolment, pensions, Pensions Regulator
Tagged auto enrolment, charges, DWP, Employment, Financial services, governance, Government, master trust, National Employment Savings Trust, Retirement, soft underbelly, The Pensions Regulator, trust, underbelly
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