Tag Archives: workplace
Work Pensions do deals NOW in UK private markets (not just offer LTAFs).
While the ABI hurried out a paper I wrote about over the weekend saying insurers had invested next to nothing (0.24% of £268bn) in retail workplace pensions (around £650m), institutional investment is a different matter for organisations seeing investment as … Continue reading
Posted in pensions
Tagged Housing, Infrastructure, L&G, LTAF, LTAFs, NEST, workplace
Leave a comment
Scottish Widows finds it isn’t getting enough money from savers
Scottish Widows has researched into the UK public’s capacity to pay the bills in later years and has concluded that workplace pensions are key to meeting the shortfall between what people get from the state and what they need to … Continue reading
CDC – a personal perspective
Yesterday I published a very passionate denouncement of the ABI which unsurprisingly hasn’t pleased the ABI. My beef is based on 15 years of frustration getting to a point where Government has promoted CDC as a Mansion House Reform … Continue reading
ReAssure’s IGC report – proves there can be value at the bottom of the barrel.
This article focusses on the IGC Chair’s report for ReAssure, published in September for the year to the end of 2021. As its Chair, David Hare makes clear, it doesn’t include the member experience for 2022, that will follow – … Continue reading
Should the new Pension and Growth minister grow auto-enrolment?
There is growth and there is growth – it looks like growing pensions through auto-enrolment is the wrong kind of growth. Pensions have not been immune from the current political and market turbulence. Indeed they have been branded both victim … Continue reading
Disrupted work
The last two years has seen significant shifts in the way we work and we all know why, Sars 2 was the culprit and though we are close to leaving the state of pandemic, the disruption of home-working is here … Continue reading
Why pension tax-relief has remained a rich man’s perk
Back in 2015, when reform of the pension tax relief system was under a consultation “Strengthening the incentive to save: consultation on pensions tax relief – GOV.UK (www.gov.uk)” the Government requested Ipsos Mori to research how much the general population … Continue reading
The OECD’s 10 Commandments for DC pensions
The OECD has produced a well thought out Recommendation for the design of defined contribution pension plans. Published on 23rd February, it has received little comment (presumably as it has not been subject to a press release). However, it is … Continue reading
Posted in pensions
Tagged 10 commandments, auto-enrolment, dc pensions, FCA, Moses, OECD, TPR, workplace
1 Comment
What we need are “after-workplace pensions”.
The concept of the “employer covenant” is different for member and trustee The concept of collectivism in pensions is restricted to the workplace. The key instruments of collective pensions are payroll that collects contributions, the corporate treasury team that provides … Continue reading
Posted in actuaries, advice gap
Tagged after work, after workplace pension, Afterwork, Pensions, workplace
2 Comments
Do you want to pay school fees for your pension?
In this article, I challenge the pension industry to consider its promise to those saving for retirement – implicit in the phrase of “a pension plan“. My challenge is “where is the planned pension?” In an interesting article on … Continue reading