Tag Archives: workplace Pensions

Workplace pensions – value for money?

Posted on August 7, 2018 by henry tapper

  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 , , , , , , , | 6 Comments

Must we remain in darkness about our retirement money?

Posted on June 18, 2018 by henry tapper

  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 , , , , , | 2 Comments

AE Pots must follow workers (Hargreaves Lansdown’s right)

Posted on June 17, 2018 by henry tapper

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 , , , , , , , , , , | 4 Comments

Why we will always need a charge cap on workplace pensions.

Posted on May 11, 2018 by henry tapper

    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 →

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Nothing wrong with being contrarian – the Hargreaves Lansdown 2018 IGC report

Posted on April 15, 2018 by henry tapper

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 →

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Scottish Widows IGC – you can’t talk your way past Babloo

Posted on April 7, 2018 by henry tapper

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 →

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Aviva’s IGC – a “finger of fudge” – just enough (to give members a treat).

Posted on April 7, 2018 by henry tapper

Just enough! Continue reading →

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

What I’ll be looking for from the 2018 IGC chair statements

Posted on April 4, 2018 by henry tapper

    2018 and all that It’s IGC reporting season again and I’ll be looking to have answers to four questions this year. So here are my questions (more hope than expectation). If you’re making a value for money, what … Continue reading →

Posted in IGC, pensions | Tagged , , , , , , | 2 Comments

Beyond the workplace – managing our pension saving legacy.

Posted on March 11, 2018 by henry tapper

  The FCA are consulting on the £400bn of pension assets that are not in workplace pensions. Implicit in the consultation is a desire to help those who depend on them in retirement to maximise these savings. The savings are … Continue reading →

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Advisers should welcome a revival of the collective pension scheme

Posted on March 2, 2018 by henry tapper

Financial advisers have never had it so good. The collapse of the DB market has led to the outflow of tens of billions of pounds into the wealth market,  the emergence of fund platforms has allowed them to demonstrate a … Continue reading →

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