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the pension plowman
- FCA -If you’re looking for innovation….get real! lnkd.in/gpgpdcSthanks 1 hour ago
- @RAF_IFA People were free to discuss finances long before @thefca came along. We're now petrified to offer anyone… twitter.com/i/web/status/9…thanks 1 hour ago
- @pensionseagull Thanks Michael, the computer is a little poorly so the images aren't displaying! henrytapper.com/2017/09/20/its… …thanks 1 hour ago
- RT @pensionseagull: It's not "advice v guidance"; it's "advice v selling". henrytapper.com/2017/09/20/its… via @henryhtapper Great piece from Henr…thanks 1 hour ago
- @RAF_IFA we are as one!thanks 1 hour ago
- RT @RAF_IFA: @henryhtapper We all want advice to be simple and easy, 'enery, but it needs to be accountable, justifiable and safe, too. htt…thanks 1 hour ago
- It’s not “advice v guidance”; it’s “advice v selling”. lnkd.in/gACfVkqthanks 2 hours ago
- It’s not “advice v guidance”; it’s “advice v selling”. henrytapper.com/2017/09/20/its…thanks 2 hours ago
- RT @MickMcAteer: I think we've had too much of the wrong sort of innovation in financial services,too little of the right sort(basic servic…thanks 14 hours ago
- fb.me/1JkQkux90thanks 14 hours ago
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Recent Posts
- It’s not “advice v guidance”; it’s “advice v selling”.
- FCA -If you’re looking for innovation….get real!
- Would a shift from bonds to growth assets keep the USS afloat? – Mike Otsuka
- Advising the 5,000; so where are the loaves and fishes?
- FCA- Outcomes for DC savers will improve when we resume sharing risk!
pension plowman
- FCA -If you’re looking for innovation….get real! lnkd.in/gpgpdcSRestoring confidence in pensions 1 hour ago
- @RAF_IFA People were free to discuss finances long before @thefca came along. We're now petrified to offer anyone… twitter.com/i/web/status/9…Restoring confidence in pensions 1 hour ago
- @pensionseagull Thanks Michael, the computer is a little poorly so the images aren't displaying! henrytapper.com/2017/09/20/its… …Restoring confidence in pensions 1 hour ago
- RT @pensionseagull: It's not "advice v guidance"; it's "advice v selling". henrytapper.com/2017/09/20/its… via @henryhtapper Great piece from Henr…Restoring confidence in pensions 1 hour ago
- @RAF_IFA we are as one!Restoring confidence in pensions 1 hour ago
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Tag Archives: United States
How to pay a consultant.
Why this is on my mind Today I’m speaking at a conference for pension consultants which is supposed to be exploring the opportunities for them and for their clients. Looking at their agenda, there is an obvious issue missing “how … Continue reading
Posted in accountants, consultant, pensions, reward
Tagged Actuarial science, Business, Consultant, Employment, Feedback, Insurance, Investing, Pay, pensions, Retirement, reward, United States
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Why we have no time for “Banker Immunity”.
We have not seen bankers marched in handcuffs from their desks but now it seems we might. The regulators have put-out a consultation paper that seeks to pin accountability on Directors (including non-executive Directors). A good friend of mine … Continue reading
Posted in Bankers, Fiduciary Management, Financial Conduct Authority
Tagged Bankers, Bonus, Business, Business and Economy, corporate risk, Crime, Employment, FCA, Financial services, Financial Services Authority, governance, London, Non-Executive, PRA, Prison, regulation, Treasury, United States
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This country needs a proper debate about old age
Do we understand how people want to get paid in retirement? Yesterday I wrote about the American 401K system and the risks taken by people who become too cautious as they become older. The value judgements implicit in the report … Continue reading
Posted in annuity, CDC, Financial Education, pensions
Tagged annuity, Business, de-risking, Employment, Financial services, Government, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Poverty, Pension Protection Fund, pensions, Politics, Retirement, Steve Webb, United States
5 Comments
Better hid.
The trustees of NEST have been faced with a dilemma and it’s clear they have considered it and taken decisive inaction. This blog sets out to explain and justify why the Trustees of our National Employers Savings Trust have chosen … Continue reading
“What’s it like to be retired?”
It could be the trending chant at any event that Alex Ferguson turns up to – a taunt to a man who having lost control has seen slump into mundanity in a few short months. Financial wellbeing in later life … Continue reading
Posted in annuity, auto-enrolment, Bankers, Facebook, Financial Education, First Actuarial, pension playpen, pensions, Popcorn Pensions, Public sector pensions, steve webb
Tagged annuity, Defined benefit pension plan, DWP, Employment, Financial services, Human Resources, ILC, Insurance, Investment, Life annuity, London, National Employment Savings Trust, pension, Pension Poverty, Pension Protection Fund, Pension Regulator, pensions, Politics, Public Sector Pensions, Retirement, SDAI, Society, Steve Webb, United States, University of Bristol
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Your life for sale – what a liquid annuity market could mean.
Why people like me get cross with him is that he is dangling carrots and waving sticks but the donkey is locked in the stable. To get the animal moving, Steve Webb or his successor is going to have to open the stable door. Continue reading
A capacity crunch?
The prospect of debating whether we get a capacity crunch in Auto-enrolment drew a capacity-crunching crowd to Wragge & Co.’s offices yesterday afternoon. Under the convenance of heroically quiffed Andy Agethangelou, some 50 of us attended a symposium on the current state … Continue reading
Posted in auto-enrolment, customer service, dc pensions, NEST, Payroll, pension playpen, pensions
Tagged annuity, Business, Business and Economy, Capacity crunch, CIPP, corporate governance, corporate risk, dc pensions, de-risking, Defined benefit pension plan, DWP, Employment, Financial services, Government, National Employment Savings Trust, pension, Pension new, pension playpen, pensions, Politics, public sector, Public Sector Pensions, Retirement, Society, Standard Life, Steve Webb, twitter, United States
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The shape of things to come? US class action on DC fees
Thanks to my favourite Swedish lawyer, Per Andelius for this extraordinary story. Fidelity are being taken to court by members of their DC plan for charging $355 record keeping fees per member against an underlying cost of $10. Why this matters because … Continue reading
Posted in actuaries, advice gap, Bankers, governance
Tagged Business, Class-Action, dc, dc pensions, Employment, Fidelity, Financial services, Government, pension, Pension new, pensions, Retirement, United States
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CDC for the people
The debate on Collective Defined Benefit has so far been a matter for politicians , academics and actuaries. Most people haven’t a clue what CDC is or how it might benefit or harm their retirements. I’ve been trying to broaden … Continue reading
Posted in CDC
Tagged Actuarial science, annuity, Business, Business and Economy, corporate risk, dc pensions, de-risking, Defined benefit pension plan, DWP, England, Financial services, Investing, Investment, Investment management, Life annuity, pensions, Retirement, Steve Webb, United States
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“Turning the amber light green”; – creating a buzz around #auto-enrolment.
We should not minimise the impact of the employer duties, they are onerous and will be disruptive. But we must put them in the context of the greater good. Continue reading
