Tag Archives: VFM

What happens to the money I pay into pensions?

Posted on February 15, 2019 by

AgeWage have been asking this question to people where WeWork. If you don’t know about WeWork, it’s the largest of a number of co-working spaces that you can find in London, around Britain and all over the world and some … Continue reading →

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The hidden costs of charges are pants!

Posted on December 13, 2018 by

Yesterday’s Moneybox with Lesley Curwen was a cracker. It brought together the voices of a number of investors together with the views of Michelle Cracknell, Chris Sier and Gina Miller. All were clear and interesting But the best contribution came … Continue reading →

Posted in auto-enrolment, corporate governance, pensions, pot | Tagged , , , , , , | 4 Comments

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

Posted on November 13, 2018 by

  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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“No dash in dashboard!” (Paul Lewis)

Posted on October 24, 2018 by

I’m not sure about the provenance of his info (the link is broken) but Paul doesn’t tweet without good reason. This is important. Minister confirms what I wrote recently, the state pension – which is the biggest part of the … Continue reading →

Posted in Dashboard, pensions | Tagged , , , , , , , | 3 Comments

How’s my pension done?

Posted on October 21, 2018 by

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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How GDPR helps us make sense of pensions!

Posted on October 13, 2018 by

Adrian Boulding has written an excellent article about the new cost and charges disclosures. I will quote only the conclusion and urge you read the rest of it here. Can we hope to obtain full investment charges data onto a … Continue reading →

Posted in age wage, pensions | Tagged , , , , | 1 Comment

Are you the Trustee Chair of a DC pension scheme?

Posted on August 22, 2018 by

  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 →

Posted in pensions | Tagged , , , , | 2 Comments

“Smiling at delinquents”; how we prevail over fund ignorance and indolence

Posted on August 22, 2018 by

I had one of those moments just now, when a whole load of things came together and I saw the wood for the trees. My Eureka moment? I was reading an FCA document , the Packaged Retail and Insurance-based Investment Products … Continue reading →

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Do IGC’s improve our value for money?

Posted on August 9, 2018 by

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 , , , , , , , , | 1 Comment

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

Posted on August 6, 2018 by

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 , , , , | 2 Comments