Men may be from Mars and women from Venus, but everyone needs to understand the financial reality of retirement

Different Planets? Men are from Mars, women from Venus apparently.  This quote is often used to justify the way that the two sexes appear to take different views on any given issue.  And, according to research from MGM Advantage published … Read More

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Do the proposed retirement guidance rules risk eroding free speech?

There’s rarely a week that passes when I don’t thank my lucky stars that my daughters are growing up in the UK.  Prosperity, the NHS, law and order and free speech are all things that we often take for granted … Read More

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Can the income protection industry learn from the pensions story?

As a nation we rightly spend an awful lot of money on protecting the things that are valuable to us through insurance products.  House, contents, car, life, travel, mobile phones and even pets are common insurance policies that the average … Read More

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Older workers, the growing skills gap and how legislation could actually make this worse

Two sides of the same coin? According to the recent DWP document Fuller Working Lives, older employees are set to form an increasing part of the UK’s working age population. Employees aged between 50 and state pension age currently represent … Read More

Posted in Retirement, Workplace pensions | 1 Comment

Are we really going Dutch on pensions?

A lot has been written about the commitment made in the recent Queen’s Speech to a new type of UK pension – one largely modelled on similar versions used in European countries such as Holland. Details on what is actually … Read More

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Tax Free Childcare: What about the losers? What choices do employers have?

The Chancellor’s March Budget speech will be best remembered for the seismic changes announced to the world of pension savings.  Yet this announcement overshadowed another important initiative in the employee benefits space:  the proposed changes, and improvements, to the new … Read More

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Do the Budget changes mean we can spare employers the costly, pension-pot-follows-member reforms?

We have all been there. It’s human nature to build our long term plans based on the known facts at the time.  The problem comes when the cornerstones of that planning is overtaken by events.  And in such a situation … Read More

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Pensions charge cap brings certainty for employers (for now)

So we finally have a formal response to the Department of Work and Pensions (DWP’s) “Better workplace pensions” Consultation. I have been slogging my way through the full response, with an eye on those parts that are likely to be … Read More

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Pensions – stop the tanks?

Yesterday’s Budget speech finished with yet another grenade lobbed into the pensions legislative trench. The announcements yesterday were of massive change to the retirement options for savers in Defined Contribution (DC) pension plans. These are largely welcome moves, yet the … Read More

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No money in pensions? Discuss

Three times in as many months I have heard talking-heads from the Employee Benefit industry advance the following opinion: “There is no money in pensions anymore.” The foundations for such comments appear to be the belief that pensions auto-enrolment reduces, … Read More

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