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Tag Archives: VFM
Bench marking will challenge IGCs and raise their game!
This blog is a follow up to my piece which asks whether the FCA has let the IGCs off with impunity. The FCA has chosen not to publicly humiliate failing IGCs but to give them clear guidance for the future. … Continue reading
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Have IGC’s let savers down with impunity?
When it all began Back in 2015 , when the IGC chairs first met, I wrote a blog critical of IGC Chairs and their advisers who seemed to be publicly questioning the purpose behind Independent Governance Committees. You can read … Continue reading
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AgeWage and Pension Bee call for Dashboards to tell us what we’re paying for our pensions.
Yesterday the Money and Pensions Service opened a consultation on Pensions Dashboards’ data standards, seeking industry-wide input on the definition and scope of the information dashboards will display. The call for input seeks views on: the personal data items … Continue reading
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For workplace pensions value for money means……..
One of the questions in the FCA’s consultation on value for money is whether its definition is ok or whether we can find a better one. This is our definition Pension value for money’s measured by the amount … Continue reading
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Posted in pensions, Value for Money
Tagged Costs and charges, FCA, IGC, Money, Service, value, Value for Money, VFM
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The FCA’s new approach to Pension Value for Money
The Backstory Back in 2014, with the excoriating OFT report fresh to mind, the FCA made a deal with the insurers not to refer the insurers to the Competition and Markets Authority in return for those insurers operating workplace pensions … Continue reading
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Posted in advice gap, pensions
Tagged employer, FCA, GAA, GPP, IGC, Value for Money, VFM
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Are employers able to “know their workplace pension”?
Are employers the provider’s clients? In financial services, the client is the entity that takes the decisions on where the money goes. Whether we define “money” as “pension contributions” or “fees paid”, the employer is seen as the client. It … Continue reading
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Posted in advice gap, age wage, pensions
Tagged AgeWage, FCA, GPP, master trust, pensions, Tesco, Value for Money, VFM
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“What do people want?” – a question for IGCs
The saddest statement I heard last year was from an adviser who told a room “we have given up reporting on outcomes, outcomes always disappoint”. It is not just IFA’s who don’t like to report on the outcomes of … Continue reading
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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
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Posted in advice gap, age wage, pensions
Tagged Money, pensions, Profile Pensions, value, Value for Money, VFM
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Annuities – don’t knock ’em!
Unwelcome news for anyone looking to turn their pension pot into a secure retirement income. Rates are down due to low bond yields but also because there’s less competition in the market, following the #pensionfreedoms. https://t.co/NWAqReWjMi — Josephine Cumbo (@JosephineCumbo) … Continue reading
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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
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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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