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Tag Archives: Value for Money
Zurich’s IGC’s Chair makes a statement -just!
I wasn’t quite sure , reading Anna Bradley’s chair statement that I wasn’t on my blog. The photos of the IGCs look like they were taken on an iphone, neither of which detracts much from what is a good – … Continue reading
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Are employers able to “know their workplace pension”?
Are employers the provider’s clients? In financial services, the client is the entity that takes the decisions on where the money goes. Whether we define “money” as “pension contributions” or “fees paid”, the employer is seen as the client. It … Continue reading
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Posted in advice gap, age wage, pensions
Tagged AgeWage, FCA, GPP, master trust, pensions, Tesco, Value for Money, VFM
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Investment; Nobody’s sharing your pain but you.
“Everyone wants to know you when the market’s rising, but when it falls, you’re on your own”. That’s the comment of one of my friends who’s been trying to talk with his wealth manager over the past week. Right….that’s it … Continue reading
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Posted in age wage, pensions
Tagged Boring Money, charges, Holly Mackay, pensions, Transparency, Value for Money
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Workplace GPPs, incompetence not governance drives policy.
The argument in a nutshell The FCA has decided to relax rules that would have made the management of workplace group personal pensions very difficult. These GPPs are run by insurers and a few GSIPP operators (Hargreaves Lansdown most prominently). … Continue reading
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Posted in advice gap, age wage, pensions
Tagged charges, costs, FCA, Nutshell, pensions, transaparent, Value for Money
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“What do people want?” – a question for IGCs
The saddest statement I heard last year was from an adviser who told a room “we have given up reporting on outcomes, outcomes always disappoint”. It is not just IFA’s who don’t like to report on the outcomes of … Continue reading
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The price of everything , the value of nothing.
Knowing the price of investment management does not mean you know its value. Unfortunately the outcome of an investment can only be known retrospectively. Turning this on its head, past performance may not be a guide to a future , … Continue reading
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Posted in advice gap, age wage, pensions
Tagged Money, pensions, Profile Pensions, value, Value for Money, VFM
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We shouldn’t lie to sleeping dogs
Words can get over-used, colonised and emasculated. Transparency may be coming such a word. I think a better word, that ordinary people get – is “honesty”. I am not a fan of the phrase “to be honest” which usually precedes … Continue reading
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Posted in advice gap, age wage, pensions
Tagged AgeWage, pensions, sleeping dogs, Value for Money
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The Con Keating take on value for money
Towards a Value for Money metric The Work and Pensions committee’s paper “Pensions Costs and Transparency”, as well as the Editor of Professional Pensions have called for a commonly agreed definition of value for money for DC funds. Clearly costs … Continue reading
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Mr Field – you want a common measure for value for money? I’ve got one!
In the Work and Pension Select Committee’s report on pension transparency, one demand has caught the imagination of the pension community You can read Kim Kaveh’s excellent article here. Professional Pensions ran the question on its Pension Buzz survey and … Continue reading
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Posted in advice gap, pensions
Tagged AgeWage, Frank Field, Money, Transparency, value, Value for Money, VFM, Work and Pensions Select Committee, WPC
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The impact of NDAs on pension outcomes
NDAs (non disclosure agreements), have been much in the news in the past week. The government says it will crack down on the use of workplace “gagging clauses” to cover up allegations of harassment, discrimination and assault. Many businesses use … Continue reading
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Posted in actuaries, advice gap, pensions
Tagged charges, CMA, IA, IMA, pensions, value, Value for Money, VFM
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