Tag Archives: VFM

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

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Fidelity’s IGC-the bland leading the blind

The general reader is introduced to the 2019 IGC report with a statement from Fidelity An IGC is an Independent Governance Committee whose purpose is to represent the interests of policyholders (including active and deferred members) in the company’s relevant … Continue reading

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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

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Better pensions for the People!

The People’s pension has decided to distribute its profits to its people- its members. This is what you should do if you do not have shareholders. It is to be applauded! Without shareholders, 100% of the People’s Pension’s profits could … Continue reading

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What happens to the money I pay into pensions?

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!

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

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

  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)

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

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How’s my pension done?

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!

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

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