Tag Archives: Wealth

Pre-budget apprehension

Posted on October 26, 2018 by

There is nothing like the threat of losing a tax-break to get people to value it. The Annual Allowance is under threat, so the Money Purchase Allowance, there are some still worried about higher rate tax-relief on contributions. In my … Continue reading →

Posted in annuity, cliche, pensions | Tagged , , , , , | 1 Comment

So what’s unfair about a Pension Wealth Tax?

Posted on October 9, 2018 by

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 →

Posted in accountants, Henry Tapper blog, pensions | Tagged , , , , , , , , | 5 Comments

Houses are for living in – pensions are for life! An answer to financial economics.

Posted on August 17, 2018 by

“the river of private pensions in the UK will only get shallower as it widens out to include so many more of us”  – Steve Bee Steve’s metaphor is so precise, so visual and so elegantly conveyed that this quote … Continue reading →

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We need to simplify our pension affairs

Posted on June 16, 2018 by

We are told that pensions are complex. We are told that we need advice to manage our retirement finances. We are warned hat we could be scammed if we don’t. Is it any wonder that people look at their retirement … Continue reading →

Posted in advice gap, pensions | Tagged , , , , , | 4 Comments

Hey Willetts, leave those kids alone

Posted on May 8, 2018 by

The Resolution Foundation have today published a paper which has as its central thesis A policy shift is needed to mitigate risks and promote asset accumulation for all It calls on Government to intervene to make society fairer, at least … Continue reading →

Posted in advice gap, pensions | Tagged , , , , , | 4 Comments

Don’t blame advisers for non-advised drawdown!

Posted on March 29, 2018 by

“Savers accessing the burgeoning non-advised drawdown market are failing to engage with information, investing in unsuitable investments and risking running out of money in retirement, an FCA probe has found”. – John Greenwood – Corporate Adviser. You can read the … Continue reading →

Posted in advice gap, pensions | Tagged , , , , , , , | 1 Comment

Has the hardest nastiest problem in finance just got a little easier?

Posted on January 1, 2018 by

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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Why Martin Bamford is right to stay an independent financial adviser

Posted on March 13, 2017 by

SJP – we have been here before Martin Bamford has produced an excellent piece explaining why everyone he knows “loves to  hate St James’ Place” . It turns out that quite a few people Martin knows work for St James’ … Continue reading →

Posted in advice gap, club pension, pensions | Tagged , , , , | 2 Comments

FAKE NEWS – eroding the credibility of pensions.

Posted on January 12, 2017 by

“Yesterday I ran a blog complaining not about fake news but about misinformation accompanying the news. MOMENTUM – hang your head in shame! The news Momentum has is that the vast majority of people over 55 still don’t know when … Continue reading →

Posted in pensions | Tagged , , , , , , , , , | 4 Comments

2017 – a year when workplace pensions will grow up!

Posted on January 3, 2017 by

Restoring confidence in pensions 2017 has dawned on a different pension landscape . There are more than twice as many employers participating in workplace pensions as at any time in British history, the stock market is at an all-time high … Continue reading →

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