"a product that beats the annuity most of the time and loses to it by a fifth in the bad…
An important analysis. One possibility that I think Gordon has missed is Baroness Altman proposed amendment to the Financial Services…
What do you think is holding back British companies from scaling up? Many reasons amongst them: The decision makers have…
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Tag Archives: Value for Money
Aegon’s ICC – treating the customer seriously.
I like Aegon’s IGC Chair report, delivered by top trustee Ian Pittaway. It’s not easy to find and though the report makes numerous references to its readers being its policyholders, I have no idea how a policyholder would stumble across … Continue reading
Posted in IGC, pensions
Tagged Aegon, governance, Ian Pittaway, IGC, pensions, Retirement, Value for Money, workplace pension
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Prudential’s IGC report – good stuff (with crap PR)
Prudential’s Independent Governance Committee has published its Chairman’s report and you can read it here. You cannot find this link on http://www.pru.co.uk nor has there been any notice of its publication to the public via either of Pru’s two … Continue reading
Posted in pensions
Tagged charges, IGC, Laurence Churchill, PR, Pru, Prudential, Tone, Value for Money
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Does drawdown need a charges cap for pension drawdown
This post was written a few months ago but never published. The main thrust is still relevant, the thrust is that we are better off building better and more relevant products than trying to squeeze drawdown into a shirt two … Continue reading
Posted in accountants, advice gap, pension playpen, pensions
Tagged Business, CAP, charges, Drawdown, DWP, Employment, Financial services, flexible drawdown, Government, National Employment Savings Trust, pension, Pension new, Pension Regulator, pensions, Politics, Public Sector Pensions, Value for Money
1 Comment
NEST report and accounts; £400m and counting
The publication of NEST’s 2015 report and accounts yesterday has some good news and some not such good news. The good news is that nothing seriously went wrong last year, there are now some 14,000 employers using NEST for all … Continue reading
If it’s not in the price- I’m not paying it.
All week I have been beset by those nasty little extras that add up. On Norwegian Airlines everything is extra, water, food , headsets , blankets – the duty free is more expensive than Tescos. It costs $50 to put … Continue reading
Posted in pensions
Tagged corporate governance, Cost, disclosure, governance, Transparency, Value for Money, VAT
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Knowing the “money” in “value for money”.
At last we may get to know what we really pay for the management of our funds so we can work out it it’s worth it. Continue reading
Posted in accountants, actuaries, annuity, investment, pensions, Pensions Regulator, risk
Tagged ABI, Business, call for evidence, calue, charges, costs, Defined benefit pension plan, DWP, Employment, FCA, Financial services, fund management, Government, IA, Insurance, Transaction costs, transfers, Value for Money
1 Comment
As clear as a frosted window – the IA on charges (again)
The Investment Association (IA) have published another paper as their contribution to the ongoing debate on what the public and their fiduciaries should know about their funds. The paper fails on a number of levels 1. It ignores the fact that … Continue reading
Posted in accountants, advice gap, Fiduciary Management, Financial Conduct Authority, investment, ISA, pension playpen, pensions
Tagged The Investment Management Association, charges, costs, DGF, IMA, Investment Management Association, Transaction costs, transactional costs, Transactions, Value for Money
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“Beware the mastertrust my son!” 6 reasons to be careful
Ok. It may not have jaws that bite or claws that clutch or be quite as frightful as the Jubjub bird, but the mastertrust may be no friendlier than Lewis Carroll’s Jabberwock. This is not a trendy thing to … Continue reading
Posted in Guidance, Payroll, pension playpen, pensions, Pensions Regulator
Tagged DC pension, DWP, jabberwock, Jabberwocky, master trust, master trusts, Mastertrust, NEST, Professional Pesnions, TPR, Value for Money, workplace pensin
1 Comment
“Making Pension Charges Clearer” – good on the NAPF
The NAPF, as I’ve mentioned a few times on this blog, are a rather better trade body than you’d expect . Revitalised by Joanne Seagers and Dan Torjussen-Proctor they appear a more progressive member centric organisation than in years gone by. Ambitiously, they … Continue reading
Still time to wish you a happy birthday. WBM