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Tag Archives: workplace Pensions
Death by 10 million pots – how to solve the small pot crisis
There are 10 million new savers into workplace pensions. If every saver changed jobs 10 time, that would mean 100 million new pension pots- unless some means of rationalising pot proliferation can be found. The DWP estimate that by … Continue reading
Posted in advice gap, age wage, pensions
Tagged auto enrolment, Clearing, pensions, pot proliferation, pots, Prisone Exchange, small pots, workplace Pensions
2 Comments
AE – a day of reckoning to come?
More of us are saving, but we aren’t saving any more. The democratisation of pension saving – arising from auto-enrolment is a great thing – everyone can dare to dream of stopping work under their own power. But there is … Continue reading
Posted in auto-enrolment, BSPS, Dashboard, pensions
Tagged AE, auto enrolment, Day of reckoning, DWP, workplace Pensions
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Can a DC plan be “in deficit”?
Yesterday, I fired off a message to the Pensions Regulator to put a stop on Whitbread’s sale of Costa to Coke, till restitution is made of the money owing to the low earners auto-enrolled into its net pay workplace pension. I won’t … Continue reading
Posted in accountants, pensions
Tagged dc, DWP, net-pay, pensions, Ros Altmann, TPR, workplace Pensions
2 Comments
Should we be empowering consumers or regulating providers?
Well we’re on to question three – all the proposed eight blogs will be sent to WPC as our evidence – when I mean “our”- I mean mine – and the thoughts of anyone who cares to comment. So here’s this morning’s exam … Continue reading
Posted in pensions, WPC
Tagged auto enrolment, CDC, FCA, pensions, TPR, workplace Pensions, WPC
2 Comments
Workplace pensions – value for money?
This is the second of eight blogs answering the questions set out in the Work and Pension Select’s inquiry into transparency in pensions. The idea is that this blog, together with comments from anyone who chooses, will go to … Continue reading
Posted in advice gap, pensions
Tagged DWP, FCA, IGC, NEST, People's Pension, TPR, trust, workplace Pensions
6 Comments
Must we remain in darkness about our retirement money?
The two comments on this thread from David and Matt, show the two ways that pots could follow member. David’s solution is the solution that Hargreaves Lansdown want our Government to adopt. Matt points out that it could force … Continue reading
Posted in advice gap, Payroll, pensions
Tagged Hargreaves Lansdown, Malcolio, Payroll, pensions, Pythagorous, workplace Pensions
2 Comments
AE Pots must follow workers (Hargreaves Lansdown’s right)
I have just read a policy paper in my hand from Hargreaves Lansdown; “Putting Individuals at the Heart of the Pension System”. After some pretty dire submissions to the Work and Pensions Committee on CDC, I hadn’t thought to agree with … Continue reading
Posted in auto-enrolment, pensions
Tagged AE, BASDA, Bond, Hargreaves Lansdown, NEST, PAPDIS, Qtac, Sage, Star, workplace Pensions, Xero
3 Comments
Why we will always need a charge cap on workplace pensions.
Tony Filbin has commented feelingly to comments made by Jonathan Parker of Redington, suggesting the charge cap “hinders value for money“. People with short memories and/or lack of experience misunderstand the cost drivers of corporate pension providers. Prior … Continue reading
Posted in auto-enrolment, pensions
Tagged CCTL, Charge cap, pensions, redington, Technology, Tony Filbin, workplace Pensions
1 Comment
Nothing wrong with being contrarian – the Hargreaves Lansdown 2018 IGC report
There’s a compelling logic to the HL IGC Chair’s introduction Since they all relate to value for money for scheme members, our findings and progress are set out in the following analysis of value for money. Value for Money is … Continue reading
Posted in pensions
Tagged Hargreaves Lansdown, HL, IGC, pensions, workplace Pensions
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Scottish Widows IGC – you can’t talk your way past Babloo
Scottish Widows have published their IGC report and it makes interesting reading. Babloo Ramamurthy, it’s chair, is a great believer in communication. You can tell by the number of instructions he gives to his provider to sort out its communications. In … Continue reading
Posted in IGC, pensions
Tagged auto enrolment, babloo ramamurthy, IGC, Scottish Widows, workplace Pensions
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