Tag Archives: Universal Credit

Managing pension expectations – are we doing enough?

This is one of those blogs where my focus is on big Government – or policy – rather than the little things that go into making political strategy happen. For a long time, as long as I’ve been working, there … Continue reading

Posted in advice gap, age wage, pensions, religion | Tagged , , , , , | 2 Comments

Why we should not be shut up about pensioner poverty – it exists and it shouldn’t.

If you’d been at the ICAS “how to avert the pension crisis” debate on Tuesday, you’ll remember that part of the conversation when we discussed the Institute of Fiscal studies’ contention that we were having difficulty spending our retirement savings. … Continue reading

Posted in pensions | Tagged , , , , | 7 Comments

The impact of low pension savings on retirement incomes – Gareth Morgan

Income certainty and low pension savings There is concern, increasingly voiced, by some well-informed commentators, about some of the consequences of the pension freedoms. The complexity of choices, the lack of knowledge of most pension savers and the actions of … Continue reading

Posted in actuaries, advice gap, pensions | Tagged , , , | 1 Comment

Where does all our money go?

Two of the big three revenue sources are income tax and national insurance, they’re the ones who hurt the well off. The third biggie -VAT is the one that hurts the poorest. Poor people pay VAT at the same rate as … Continue reading

Posted in pensions | Tagged , , , , , , | 3 Comments

“Fair and True” applies to the DWP too!

Steve Webb has a public policy success on his hands but if he’s to capitalise on the good news from large employers, he’s going to take a few bullets now. Continue reading

Posted in advice gap, auto-enrolment, pensions | Tagged , , , , , , , | 8 Comments

Paying as you earn; the best way to save

Monday will see the start of the benefits changes that will climax in the full introduction of the Universal Credit in a year’s time. This is not an article about these changes. But it takes it kicks off from a brilliant … Continue reading

Posted in Change, dc pensions, Financial Education, Martin Lewis, Payroll, pension playpen, pensions, St Paul's, Trades Union Congress, wonga | Tagged , , , , , , , | 19 Comments