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Tag Archives: Value for Money
Investment beliefs – Steely Dan and my Pretzel Logic
A pessimist looks at the UK and European markets and considers America expensive while the optimist calls the UK and Europe cheap. This Monday morning Robert Armstrong tries to steer a middle course suggesting that value for money is in … Continue reading
Important amends to my Aviva IGC report.
This report has two important amends from that originally published. In their 2022 report, the Aviva IGC did indeed conclude that members not protected by the AE charge cap, and paying in excess of 0.75% a year in charges, were … Continue reading
Important amends to my Aviva IGC report.
This report has two important amends from that originally published. In their 2022 report, the Aviva IGC did indeed conclude that members not protected by the AE charge cap, and paying in excess of 0.75% a year in charges, were … Continue reading
“Muddled , vague and confusing” – Brian Henderson’s take on the VFM framework
This episode was brought forward so that Nico could watch motor racing in Italy. It’s a bummer for Nico that he’d chosen Emilia Romagna as his grand prix, thoughts and sympathy are with him as the grand prix has been … Continue reading
VFM – Tuesday 10.30am – The DWP will be answering our questions – pensionplaypen.com a
TO REGISTER CLICK “ATTENDING” HERE In their podcast on the VFM consultation, Darren and Nico joke that VFM is the most eagerly awaited consultation since the last eagerly awaited consultation. The lads were tongue in cheek but I’d … Continue reading
Posted in pensions
Tagged Darren Philip, Des Healy, DWP, Nico Aspinall, Value for Money, VFM
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Receiving value for your money – the DWP gets it 95% right.
Insight one “money” is not – “costs and charges ” but “contributions” There came a moment , as I was reading the DWP’s Value for Money Consultation that you realised that something has changed. For me that moment wasn’t this … Continue reading
Posted in pensions
Tagged Consumer, Consumer duty, DWP, GPP, IGC, Laura Trott, trustee, value for members, Value for Money, VFM framework
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Prudential’s IGC reports an omni shambles.
Prudential, once Britain’s premier insurer has produced its 7th IGC report, the second from former Mercer CEO Bruce Rigby. I suspect that Bruce had his fingers crossed that he would get away with his VFM assessment. Overall, the IGC … Continue reading
Posted in pensions
Tagged Bruce Rigby, investments, Pensions, Prudential, Value for Money, VFM
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The Scottish Widows IGC looks beyond the swirling cape
Style, tone and content. Scottish Widows has great if somewhat laddish marketing , thankfully it has an IGC that is interested in what it is delivering to its policyholders/members. This IGC report continues an improvement evident over recent … Continue reading
His Majesty’s Treasury’s big idea for pensions needs help
HMT has one explicit pensions policy mentioned in the mini-budget. The government is proposing that “well designed” performance fees, typically levied by private equity and venture capital managers, should be excluded from the 0.75% charge cap on DC workplace pension … Continue reading
Posted in pensions
Tagged Asset Manager, HMT, illiquids, private markets, value, Value for Money
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All pensions have the same Duty to their Consumers – to provide Value for Money.
The Government struggles to find an overarching measure that defines “consumer protection”. Trust law says that trustees have a duty of care towards beneficiaries of a trust, historically consumers with policies regulated by the FCA were told that the … Continue reading