Tag Archives: workplace pension

IFS says low-earners should quit saving for retirement.

Posted on May 19, 2020 by

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 →

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Is your pension due an upgrade?

Posted on September 22, 2019 by

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 →

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Auto-enrolled through L&G/Ease – read this.

Posted on December 11, 2018 by

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 →

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Are you and your savings “retirement ready”?

Posted on September 22, 2018 by

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 →

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Who’s fooling whom – on workplace pensions

Posted on July 7, 2018 by

“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 , , , | 4 Comments

Prudential’s IGC get it right – a model Chair report.

Posted on April 9, 2018 by

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 →

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There is only so much pension risk, an ordinary person can take.

Posted on March 7, 2018 by

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 →

Posted in advice gap, pensions | Tagged , , , , | 3 Comments

Standard Phoenixed.

Posted on February 25, 2018 by

There are few examples, since the demise of Equitable Life, quite so ignominious, as the end to Standard Life. Standard Life Assurance Limited is being sold to Phoenix Life for just £3.2bn , part of which will be paid to … Continue reading →

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Time for a DC upgrade?

Posted on February 16, 2018 by

I was wading through yet another long and technical explanation of CDC  when I got my Eureka moment! I don’t want a CDC plan, I want a DC upgrade! I’m not dissing legal eagle Sandeep Maudgil (who’s soon to appear … Continue reading →

Posted in annuity, CDC, pensions | Tagged , , , , , , | 3 Comments

Employers be warned; your workplace pension responsibilities are wider than you think!

Posted on January 3, 2018 by

    When I read this social media add from the Pensions Regulator I half thought tPR were encouraging employers to engage with their pension. No such luck – the pages behind the link explain the employer duties and responsibilities … Continue reading →

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