A perception that the self-employed don't like pensions is overstated as many of the self-employed save on their tax bills…
Hello Henry, Our insurers could do more for Britain etc Reference your sentences : '...For this means our pension funds…
Agreed JM. There is a philosophical gap over the respect of private property rights that fuels this, and more. I’ve…
Time to anticipate yet another raid on pension funds of the prudent. The magic bullet solutions just move the risk…
Tag Archives: Value for Money
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
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
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
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
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
Posted in actuaries, advice gap, pensions
Tagged charges, CMA, IA, IMA, pensions, value, Value for Money, VFM
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The value you get for your pension money
Independent help for all pension savers I started yesterday in the swanky new film studio under the FT’s Bracken House. It had to be built on stilts and sound and vibration sealed as the district line runs right below it. … Continue reading
Posted in advice gap, age wage, pensions
Tagged AgeWage, IGC, Pensions, Richard Butcher, ruston smith, trustee, Value for Money
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Angela Eagle’s stunning Bill on pension costs and charges
Angela Eagle presented a bill to the House of Commons at 1.30 yesterday (Wednesday May 8th). It is a fine bill and I wish it success. It may not succeed under the current Government and may be no more than … Continue reading
Posted in advice gap, pensions
Tagged AgeWage, Costs and charges, pensions, Value for Money, VFM
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Can pension ratings be “too simple”?
To my mind , the only meaningful way that someone using a workplace or personal pension can test for value for money is by comparing the money they put in with the value they get out. This is known … Continue reading
Posted in advice gap, age wage, pensions
Tagged advice, AgeWage, financial advice, IGC, pensions, Value for Money, VFM
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From zero to hero – the Hargreaves Lansdown IGC report
Hargreaves Lansdown’s (HL) 2015 -16 IGC report was embarrassingly bad. I got cross that a successful funds platform didn’t put its back into independent governance. Hargreaves’ Vantage product (now HL Workplace Pension) was at the time being widely promoted as … Continue reading
Posted in IGC, pensions
Tagged Hargreaves Lansdown, HL, IGC, pensions, Value for Money, VFM
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Zurich’s IGC – keeping Zurich honest.
Zurich ‘s IGC Chair’s statement is out ; it’s punchy. It’s chair, Anna Bradley has a much wider sphere of influence than just pensions and it shows. This is from her opening remarks …you have told us that service standards … Continue reading
Gordon Aitken (and others) may disagree with you. gordonmaitken.substack.com/p/i-said-insurers-were-funding-british