Tag Archives: benefits

Effect of Charges or Enormous Obstacle to Contributions?

As if it weren’t already hard enough to get people to give up instant gratification to save for their retirement, pension illustrations come with a piece of absolute hocus pocus surely designed to finish the job of putting people off: … Continue reading

Posted in Behaviour, Illustrations, Pension policy | Tagged , , , , , | 1 Comment

Rioting or Celebrating?

Last month it was riots, yesterday it was FTSE 100 executives’ pensions. Is our society unfair? And are we doing better or worse in pensions? Forget the (welfare-abusing) rioters’ distracting talk of expense-claiming politicians or bailed out banksters, here’s a … Continue reading

Posted in auto-enrolment, Behaviour, Pension policy | Tagged , , , | Leave a comment

For everything else, there’s flexible drawdown …

Just how flexible could flexible drawdown get? Once the Minimum Income Requirement (MIR) has been met, flexible drawdown comes with no limits on the amount that can be withdrawn or the frequency of withdrawals. What might pension – and in … Continue reading

Posted in Drawdown, SIPPs | Tagged , , , , | 1 Comment

What trees in conservation areas have to teach pension policymakers

If you’ve never had a problem with a tree in a conservation area, you’ll straight away be wondering where on earth I’m going with this. Don’t worry, it’s simple to explain. If you own a house in a conservation area … Continue reading

Posted in Early pension access, Pension rules, Treasury consultation | Tagged , , , , , , , | 1 Comment

Drawdown or annuity: do folks know what they are doing?

My e-friend (have I just coined a new phrase?) Henry Tapper recently challenged how many people in drawdown really know what they are doing. Follow the link if you’d like to check it out for yourself. http://henrytapper.com/2010/11/06/you-dont-know-what-youre-doing/ If you’d prefer a … Continue reading

Posted in Annuities, Drawdown, Pension rules | Tagged , , , , , , , , , , , , , , | Leave a comment