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Tag Archives: VFM
Do IGC’s improve our value for money?
This is the 7th and penultimate blog , addressing the Work & Pensions Select Committee’s questions on pension transparency. This time the exam question is Are Independent Governance Committees effective in driving value for money? My short answer is that … Continue reading
Posted in pensions, WPC
Tagged IGC, L&G, Marketing, pensions, Prudential, Royal London, Technology, VFM, WPC
1 Comment
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
Posted in advice gap, age wage, pensions, WPC
Tagged Frank Field, pensions, Value for Money, VFM, WPC
2 Comments
We don’t just need a dashboard – we need a steering wheel!
Like everyone else, I think a dashboard to see my pension pots in a single place is a great idea. But building a dashboard is only a part of it. You can’t steer your car with a dashboard. 21st century … Continue reading
Posted in age wage, pensions
Tagged chris sier, Dashboard, Pension Dashboard, pensions, Steering wheel, VFM
3 Comments
“Reductio ad absurdum” or a financial “must have”?
Today is a big day for funds disclosure in the UK. It is the day hands to the FCA, the template created by the Institutional Disclosure Working Group. This template will facilitate the collection of data on the costs and charges … Continue reading
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
Posted in auto-enrolment, pensions
Tagged FCA, IA, IGC, Investment Association, pension, Value for Money, VFM
1 Comment
Is there a “true and fair” way to value advice?
Yesterday , I wrote a blog about “ownership” and how we cede ownership of our retirement savings – often to ill-effect. You can read that blog here. This follows up on that thinking and looks at a specific issue … Continue reading
Posted in pensions
Tagged Alan and Gina Miller, pension playpen, pensions, True and fair, trust, VFM
1 Comment
How do I rate my various pensions?
Following the publication of yesterday’s Guidance from the DWP on “DC pension” disclosures, this article asks “have we any framework for answering the question in the title?”. The conclusion is “not yet”, thought the disclosure guidance takes us another step … Continue reading
Posted in auto-enrolment, pension playpen, pensions, Sage
Tagged DWP, OFT, pension playpen, pensions, VFM, workplace Pensions
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With value for money – figures speak louder than words.
The pen may be mightier than the sword but the spreadsheet trumps both. Last week, JLT published some projections which showed that if the performance differential between lousy and top pension providers continued – you’d be able to buy a … Continue reading
Posted in pensions, Value for Money
Tagged Chir Sier, IFA, IGC, JLT, measure, past performance, trustee, Value for Money, VFM, wealth management, words
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The time is right for pension price disclosure.
Last week I went to the FCA to discuss price disclosure with the Regulator. The time is right for people to understand what they pay to have their pension managed. I am one of the few people who gets information on … Continue reading
