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Dear parliamentary under-secretary for pensions and financial inclusion … (Pt 2)
In the second instalment of a two-part feature, we again ask regular Retirement Planner columnists and other experts what they would most like the new pensions minister to focus on now he has his feet...
View ArticleNigel Chambers: Advising on DB transfers and a client’s best interests
The FCA’s consultation paper ‘Advising on Pension Transfers’ should help to provide a firm footing for all those involved in advising on DB transfers from this point, says Nigel Chambers. The...
View ArticleTPR warns employers against ‘auto-enrolment exemption’ certificate scam
The Pensions Regulator (TPR) has warned employers not to fall for fake certificates offering “auto-enrolment exemption”, which purport to show they are not subject to workplace pension duties. TPR said...
View ArticleEU unveils plans for pan-European personal pension product
The European Commission has set out plans to create a ‘simple and cost effective’ pan-European personal pension product (PEPP) – in effect, a cross-state voluntary personal pension scheme. The...
View ArticleSequence risk and drawdown ‘potentially fatal’ to retirement income – Andrew...
The biggest threat to income in retirement, yet one that is largely misunderstood, according to Cass Business School asset management Professor Andrew Clare, is sequence risk. This concerns the...
View ArticleConsumers to miss out on £756m annuity income from not shopping around
Consumers failing to shop around for their annuity could be missing out on £765m of income collectively by 2035, research from Retirement Advantage has found. The pension provider claimed over the...
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Gareth Hughes: Death benefits and why tax matters when passing on a pension
Gareth Hughes explains the issues retirement planners and their clients need to consider when passing pension wealth to future generations. The introduction of pension freedom and the ability to pass...
View ArticleMinister hints at renewed plans to increase state pension age
Secretary of state for the Department for Work and Pensions David Gauke has hinted at plans to increase the state pension age in line with John Cridland’s calculations in his latest review. Speaking at...
View ArticlePension outlook drastically different for staff and bosses – Hibob
A clear disconnect on pensions between staff and their bosses, with employees seeing them as a critical part of their package and employers presuming a lack of interest, has been identified by research...
View ArticleGet self-employed saving into pensions via self-assessment, say providers
The annual self-assessment process should be used to default the self-employed into pension saving, according to Royal London and Aviva. The two pension providers have teamed up to create a report...
View ArticleJessica List: Does flexibility have to be complicated?
It may be hard to believe these days but there was a time when the annual and lifetime allowances were both flexible and simple – leading Jessica List to wonder if a degree of complexity in pensions is...
View ArticleMike Morrison: DB transfers consultation a missed opportunity for real reform
The FCA’s consultation on DB transfers is a welcome start, says Mike Morrison – although he questions whether it will actually make any difference to the advice market on pension transfers. The FCA’s...
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DB transfers: Regulatory review on the horizon?
Russell Investments’ Nicholas French talks to Retirement Planner about what impact an FCA review could have on pension transfer advice Sponsored content In light of the unprecedented demand for pension...
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Risk vs return: Sustainable income in retirement is key
Investec Structured Products’ David O’Brien explains why structured products are playing a greater role in retirement planning Sponsored content As the hunt for new forms of growth and income in...
View ArticleEnergy efficiency: The impact on SIPP and SSAS clients
Paul Darvill explains how ‘Energy Performance Certificate’ regulations could affect a popular pension scheme investment. There are some major changes being implemented by the Department of Business,...
View ArticleTPR admits to ‘serious’ data blunder
The 2016/17 annual report of The Pensions Regulator (TPR) has highlighted the occurrence of one “serious incident” in the past year that resulted in data loss. In March 2016, the regulator explained, a...
View ArticleLee Halpin: Which SIPP operators are rising to the challenge in 2017?
When considering a potential SIPP partner, a broad-brush approach is best avoided, says Lee Halpin, as he highlights three business areas specialist providers might be challenged on over the next 12...
View ArticleSamantha Kaye: Election outcome provides no clarity for pensions policy
An examination of the Conservative and DUP manifestos reveal important disparities, as Samantha Kaye explains. The election result has not delivered any more clarity in terms of pension policy. While...
View ArticleTaylor review: Enrol self-employed via self-assessment
The self-employed should be auto-enrolled into a pension scheme through the self-assessment process, the Taylor review has suggested. Published on 11 July, the review backed Aviva and Royal London’s...
View ArticleGovt to introduce personalised risk warnings on all guaranteed pensions
The government wants personalised risk warnings to be given to members with salary safeguarded benefits such as guaranteed annuity rates (GARs) worth less than £30,000, it has said. In a consultation...
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