here’s what you’ve been saying
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Tag Archives: workplace pension
Five bad reasons for running your own workplace pension.
The Government has made it’s agenda plain. Small (that is sub £100m) occupational DC schemes do not offer the governance, do not have the capacity to diversify into private markets and offer poor value to members , relative to larger … Continue reading
The death of the employer pension trust
Geof Pearson told the NAPF conference in 1998 “I have looked over the cliff and seen DC” 22 years later DB trustees can argue that they still have the weight of past money but they are dependent on employers, … Continue reading
Is this the end of “easy money” from over-priced trackers?
Are investors overpaying millions for trackers? Hats off to Money Marketing investment director Charlotte Richards for a cracking piece of work that highlights that investors could be being left millions of pounds out of pocket from over-paying for what what is … Continue reading
Posted in pensions
Tagged Charlotte Richards, FCA, money marketing, pension, Pensions, workplace pension
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IFS says low-earners should quit saving for retirement.
The Institute for Fiscal Studies has called into question the wisdom of many poor earners paying into workplace pensions under auto-enrolment. It is not clear why the small number of people who would probably be better off not sticking with … Continue reading
Posted in actuaries, advice gap, age wage, pensions
Tagged AE, CDC, pension, workplace pension
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Is your pension due an upgrade?
In the relentless pursuit of new business, insurance companies and other financial institutions involved in the commercial marketing of pensions , have focussed on the new customer or the existing customer increasing his or her savings. It’s not hard to … Continue reading
Posted in advice gap, age wage, pensions
Tagged AgeWage, IFA, pensions, upgrade, workplace pension
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Auto-enrolled through L&G/Ease – read this.
This blog is written for employers and advisers who have used or assisted with the ITM eAsE link to L&G’s workplace savings Plan. You are where you are – here is some context and some thoughts on your position] For … Continue reading
Posted in auto-enrolment, pensions
Tagged auto enrolment, Ease, ITM, L&G, LGIM, pensions, Technology, workplace pension
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Are you and your savings “retirement ready”?
I’m getting fit, which is a long way off saying “I’m fit” in any sense of the words. But just getting rid of the first few pounds has put me in a much better frame of mind. Many of us … Continue reading
Posted in advice gap, age wage, pensions
Tagged advice, AgeWage, IFA, NEST, pensions, retrirement ready, workplace pension
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Who’s fooling whom – on workplace pensions
“We all have one- we all know who chose it, but none of us know why?” In the 19th century, when riddles were popular, this would have been counted an interesting question. Riddling could make a comeback on social media … Continue reading
Posted in auto-enrolment, pensions
Tagged auto enrolment, NEST, pensions, workplace pension
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Prudential’s IGC get it right – a model Chair report.
To understand why the Prudential’s IGC reports are so good, you need to go to first principals and read the opening paragraphs of their value for money definition (oddly sitting on p40 of the report) The IGC’s approach to VfM … Continue reading
Posted in IGC, pensions
Tagged IGC, John Nestor, Laurence Churchill, pensions, Prudential, Prufund, Retirement, workplace pension
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There is only so much pension risk, an ordinary person can take.
This diagram shows us the points where we can do well in our “journey” as DC investors. It’s a useful starting point in working out how we create value for money for ourselves. This article shows that how much we … Continue reading
