Tag Archives: Value for Money

UK – OK! Disclosure battle won – now let’s win the peace.


The PPI have produced a really excellent paper “Charges, returns and transparency in DC – what can we learn from other countries?” The report, sponsored by Which? explores UK charges for pension schemes against those in the US, Australia, the … Continue reading

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Did I get “value for money” from my workplace pension


  Am I getting value for money from my workplace pension? is a different question to Did I get value for money from my workplace pension? the difference is more than one of present and past tense. The first question … Continue reading

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A good week for transparency


It’s been a good week for transparency, with the FCA’s publication of the IDWG’s final report.  Chris Sier and his team have created the opportunity for investors to properly understand the total cost of intermediation when buying assets through a … Continue reading

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How’s my pension done?


When you get that little envelope and you know it’s about your pension, that’s the question you’ll be asking.  Typically – you won’t get much of an answer from your pension illustration -even if it is the new type pioneered … Continue reading

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Are you the Trustee Chair of a DC pension scheme?


  Facing up to your new duties? If so, you’ll be aware that the DWP have been writing you rules (and the Pensions Regulator enforcing them). Since 2016 you have written an annual chair statement and you will now have to … Continue reading

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Higher costs – lower pay-outs? Fact or fiction.


This is the first of seven blogs I will write, that will by September 3rd, form my submission to the Work and Pension Select Committee’s inquiry into pension transparency. Today’s exam question is; Do higher-cost providers deliver higher performance, or simply … Continue reading

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Investing can now be “free” – here’s how.


I was sitting in a room of a leading asset manager yesterday listening to the yada yada. I’d needlessly put myself under a non-disclosure agreement but it was clear that there was no real news, so I thought I’d mention … Continue reading

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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

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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

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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

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