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Tag Archives: Value for Money
Can we map the pension genome?
I don’t think I’ve ever heard mention of the “pension genome” , which may suggest it is a concept before its time. To me it means the entire complex of products and funds from on which our rights to money … Continue reading
Posted in pension genome, pensions
Tagged genome, pension genome, pensions, Value for Money
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Who owns “value for money”?
News from the stalwart Bob Ward that the FCA has dropped the term “value for money” came as a bombshell to participants in yesterday’s Pension Play Pen lunch. Since it’s about the only term left in the financial services … Continue reading
Posted in auto-enrolment, pensions
Tagged FCA, IA, IGC, Investment Association, pension, Value for Money, VFM
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SJPEXIT and its implications.
Reading Colin Richardson’s excellent Governance Advisory Arrangement (GAA) report on SJP, I realised just how tough it is for anyone who doesn’t work for St James Place to take any sort of decision on an SJP Pension. Here – for … Continue reading
Posted in advice gap, pensions
Tagged Colin richardson, GAA, pensions, SJP, SJPexit, Value for Money
8 Comments
Life’s a beach for the BlackRock IGC
It’s a sure fine of things to come when an IGC report is promoted by a stock photo. This couple appear on most of the IGC reports I have read, I suspect they were scammed out of their pension and … Continue reading
Posted in IGC, pensions
Tagged AE, Allan Whalley, auto enrolment, BlackRock, IGC, Investment, pensions, Value for Money
1 Comment
Beyond the workplace – managing our pension saving legacy.
The FCA are consulting on the £400bn of pension assets that are not in workplace pensions. Implicit in the consultation is a desire to help those who depend on them in retirement to maximise these savings. The savings are … Continue reading
Posted in pensions
Tagged CDC, Metro Bank, pensions, Retirement, stakeholder pensions, Value for Money, workplace Pensions
2 Comments
Workplace pensions – who gives a flying feck what’s going on?
Data or opinion? What’s the best measure of value? Most investors when looking for evidence and would prefer to trust data. Opinion is now measured by “the crowd”, the wisdom of a great number of people is turned into data. … Continue reading
Posted in Henry Tapper blog, IGC, pensions
Tagged charges, Data, governance, IGCs, pensions, Trustee boards, Value for Money, workplace Pensions
1 Comment
How to run a pension at 1/30th the cost of the pension charge cap.
How much does it cost to actively manage Alecta, Sweden’s largest workplace pension provider? The answer, according to Magnus Billing – is 0.024% of the funds assets each year. That’s less than 1/30th of the 0.75% cap imposed by … Continue reading
Posted in advice gap, pensions, Value for Money, workplace pensions
Tagged Alecta, Charge cap, IGC, master trust, NEST, Value for Money, workplace Pensions
2 Comments
Tell us what value is and we’ll measure it!
Donny Hay , a client Director at Pitman’s Trustees, argues cogently in this week’s Pension Expert- about recent work by Chris Sier and colleagues the cost assessment template focuses on the numbers, but says nothing about whether those costs represent … Continue reading
Posted in pensions
Tagged chris sier, Donny Hay, FCA, pensions, Pitmans, PTL, Value for Money
3 Comments
With value for money – figures speak louder than words.
The pen may be mightier than the sword but the spreadsheet trumps both. Last week, JLT published some projections which showed that if the performance differential between lousy and top pension providers continued – you’d be able to buy a … Continue reading
Posted in pensions, Value for Money
Tagged Chir Sier, IFA, IGC, JLT, measure, past performance, trustee, Value for Money, VFM, wealth management, words
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The time is right for pension price disclosure.
Last week I went to the FCA to discuss price disclosure with the Regulator. The time is right for people to understand what they pay to have their pension managed. I am one of the few people who gets information on … Continue reading
