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Tag Archives: wealth management
So what’s unfair about a Pension Wealth Tax?
In this article I argue that any tax increases levied on the rich are ok by me, and I’m rich. The bias of vested interest The vast majority of people get tax relief on their pension contributions. Some people are excluded by … Continue reading
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Posted in accountants, Henry Tapper blog, pensions
Tagged annual allowance, HMT, Lifetime allowance, pensions, scheme pays, Tax, Treasury, Wealth, wealth management
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The “wonder” of wealth
As Dr Chris Sier entered the Corinthia Hotel on Wednesday, en route to a cup of tea with the AgeWage management team, he noticed a gentleman handing over his Bentley keys to the doorman, with a fifty pound note as a tip . … Continue reading
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Posted in advice gap, pensions
Tagged advice, Hargreaves Lansdown, pension, pensions, Samuel Johnson, SJP, wealth management
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SJP policyholders deserve an IGC. They have a great GAA – but that’s not enough!
St James Place is one of Britain’s largest financial institutions, it is a FTSE 100 company with 2017 revenues of over £9bn. It is therefore surprising that its exposure to workplace pensions is so limited that it does not need … Continue reading
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Posted in IGC, pensions
Tagged GAA, Hargreaves Lansdown, IGC, pensions, SIPP, SJP, wealth management
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Advisers should welcome a revival of the collective pension scheme
Financial advisers have never had it so good. The collapse of the DB market has led to the outflow of tens of billions of pounds into the wealth market, the emergence of fund platforms has allowed them to demonstrate a … Continue reading
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Posted in Blogging, CDC, pensions
Tagged CDC, IFA, pensions, Royal Mail, wealth management, workplace Pensions
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Has the hardest nastiest problem in finance just got a little easier?
I enjoyed reading this serious and sensible argument by Steven Lowe of “Just”. I suspect that most financial advisers reading it will conclude, as I do, that planning an income for the final years of someone’s life is so fraught that (if … Continue reading
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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
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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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Postmen want to strike – is it any wonder?
Maybe it’s because they’ve been reading the FCA’s report on Retirement Outcomes. Maybe the FCA have been talking with them. Either way, the 140,000 postal workers in the Royal Mail scheme don’t want a pension when they pack up their … Continue reading
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This market failure’s not about advice but product.
The FCA paper on structural problems with the pension freedoms that I wrote about yesterday, is the first evidence of Government admitting all in this garden is not rosy. What has happened since 2015 is an increase in people hammering … Continue reading
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Posted in advice gap, CDC, pensions
Tagged advice, annuity, CDC, Drawdown, financial advice, Target Pensions, wealth management, wealth manager
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Why I’m scared of wealth managers
This blog’s written for the advisory community, but if – like me – you are considered a target for wealth management – you might want to read it too. Consumers approaching the tipping point from saving to spending their … Continue reading
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Property , liquidity and the merit of doing nothing
News that Standard Life , M&G (the Pru) and Aviva have put up the shutters on their property funds is dominating the headlines. We are used to being able to move our money around the market with “impunity”. I put … Continue reading
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Posted in pensions
Tagged advice, Aviva, M&G, Prudential, Saving, Standard Life, wealth management
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