here’s what you’ve been saying
Baroness Ros Altmann on The curse on pensions is the c… Derek Scott on The saltire yet rests with Wal… Dr Robin Rowles on The curse on pensions is the c… John Mather on The curse on pensions is the c… AE 2.0 – anyth… on Why we all need a “maste… Chris Giles on How the budget could tweak pen… Adrian F on How the budget could tweak pen… Bob Compton on “Who’d want to be… DaveC on How the budget could tweak pen… Martin T on How the budget could tweak pen… Eugen N on John Ralfe’s CDC lecture Peter Crowley on John Ralfe’s CDC lecture Martin T on Why , given half a chance… ConKeating on John Ralfe’s CDC lecture ConKeating on John Ralfe’s CDC lecture
Tag Archives: trustees
Pension simplification will bring tears at bed-time.
The illustration is from “Greta and the giants” , an alarming children’s book designed to entertain and inform from Zoe Tucker (author) and Zoe Persico (illustrator). I say “alarming” because climate change should be giving me tears before bed-time. I … Continue reading
TCFD is the green washing test for UK asset managers
This post from David Crum of Minerva analytics is profoundly disturbing David Crum ASIP• 1stManaging Director – Asset Steward Solutions2w • Edited • 2 weeks ago 2020 – the year the investment industry dropped the ball on ‘Implementation Statements’ This … Continue reading
Posted in ESG
Tagged Asset Managers, implementation statements, Reporting, TCFD, trustees
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DCIF; we won’t pay higher fees without sight of better value
On Ricki Sushak’s “day of reckoning” , the DCIF unveiled a 75 page report from Richard Parkin on progress made by DC master trusts in adopting best investment practice. The agenda of the report is clearly focused on DC as … Continue reading
Invest to change the world! #plsainvest20
Investment has a PR problem. We do not aspire to be investors (no matter what Sid said). Indeed we (as in those who don’t normally go to investment conferences) think investment people arrogant, aloof and often downright crooked. A … Continue reading
Are small DC pension schemes in the member interest?
Trustees vote for their own demise There hasn’t been much comment on social media about the Pension Regulator’s consultation response on the future of trusteeship. This is in marked contrast to what TPR reports as a record 114 written responses … Continue reading
Posted in advice gap, age wage, pensions, trustee
Tagged Corporate Trustees, FCA, pensions, Professional Trustees, The Pensions Regulator, TPR, trustees
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Pension tax-relief – a fact based argument for change.
The change I am suggesting would turn pension taxation on its head, it would mean pension contributions would be taxed at more than 60% for high earners but that the lowest earners would be exempt from pension taxation. Pension … Continue reading
Posted in pensions
Tagged change, EET, Income tax, National Insurance, pensions, tax relief, TEE, trustees
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The DC Trust – a pension appendix
The appendix Nobody knows exactly why we have an appendix, but removing it isn’t harmful. Appendicitis typically starts with a pain in the middle of your tummy (abdomen) that may come and go. (NHS inform). I feel much the same about … Continue reading
Are IGCs and Trustees worth it?
The best test of the value of an IGC or an occupational trust board is to imagine how things would work without one. Before 2015, insurers ran workplace pensions for multiple employers using the bald trust of … Continue reading
Posted in age wage, CDC, pensions
Tagged fiduciaries, fiuciary, IGCs, pensions, trustees
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Trustees and transfers
Jo Cumbo’s article in Pensions Expert on contingent charging takes a dim view of trustee behaviour to date. Her idea that advice to stay in a DB scheme could be paid for by docking the original pension has got some … Continue reading
Posted in advice gap, pensions
Tagged Adrian Boulding, jo cumbo, pensions, Phil Yound, SJP, transfers, trustees
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The conflicts of interest facing pension trustees
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 #TEBI, fund management, Pension fund, Robin Powell, Technology, trackers, trustees
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