Yes I’m back. For the last two years I have been down in the weeds of helping firms deliver the IT and Data connection for Pensions Dashboards. But now I am available again to look at the wider world of where pensions technology and regulations interact. It is an interesting time in pensions and it […]
So dp23-5 “Advice Guidance Boundary Review – proposals for closing the advice gap” is out. It’s like they want to make it as tedious sounding as possible. Possibly so we can really pretend there is hard work to do in December between the parties and chocolate. Anyway, onto what I think about it. But first […]
In all the commentary around “pot for life” and CDC it strikes me that a key proposal has been almost ignored.The “small pots” proposals are more likely to be implemented and will certainly come before pot for life.But what are the proposals, how will it work and what are the next steps? Automatic consolidation of […]
So it looks as if we may be moving to a “pot for life” regime in UK Pensions. Quite a change, eh?My thing is looking at these big policy issues from the angle of “how” to do it rather than the “why” or “should”, and some things are occurring to me.When I was in a […]
In the next few days we expect to start to hear publicly how the Pensions Dashboard Program has progressed since the reset was announced in March. In advance of that re-engagement, here are the five things I think we need to know. Actually just before I start, a wee caveat. I don’t expect the answers […]
Quite a bit of my time at the moment is occupied with working out how Scotland could possibly get out of a group containing the reigning world champions and the number 1 ranked side in the world. Answer is: they could not, so just watch the rugby and try not to get too despondent. When […]
In previous posts I have mentioned the elephant in the room on small pots and other issues: it takes a long time to actually process a pensions transfer. I mean a properly crazy amount of time given that it’s (checks calendar) 2023! I can pay the tax man in seconds but it takes weeks to […]
Having voiced my questions on some of the key policy issues on the recently proposed small pots solution, I now return to the world of actually delivering the thing. I am just going to assume the decision is made on the key policy issues. It will be multiple consolidator, we will have a clearing house, […]
I tend not to get as involved with the pure policy questions on pensions. That’s what Henry Tapper is for. I tend to concentrate on the mucky world of working out how to deliver the various options policy people come up with. Sometimes perhaps suggesting that some “great ideas” are what we call “a nightmare […]
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