Tag Archives: consultation

How consumers really decide

Appalled by the FSA’s belief that key features illustrations and the requirements set out in its consultation paper CP12/05 (chapter 5 -pension scheme disclosure proposals) will actually help consumers make good decisions, I produced this real-world, personal example of how consumers really make decisions … Continue reading

Posted in Behaviour, Illustrations, Pension rules, Personal, SIPPs | Tagged , , , , , | 1 Comment

Rising interest in falling interest – how interesting!

It’s been common knowledge for quite a while that many SIPP providers do not pass on the full rate of interest they receive on cash on deposit to their plan holders. Every now and then this story does the rounds. … Continue reading

Posted in SIPPs | Tagged , , , | Leave a comment

Early pensions access: how to do it

Four options for allowing early pension access are set out in the Treasury’s consultation paper on early access to pension savings. In my last post, I looked at the non-starters. This time round, the clear winner for defined contribution schemes: … Continue reading

Posted in Early pension access, Treasury consultation | Tagged , , , | Leave a comment

Early pensions access: how not to do it

Four options for allowing early pension access are set out in the Treasury’s consultation paper on early access to pension savings. The method of allowing early access is also important to its success. These 3 don’t make my cut: “A … Continue reading

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

Early pension access: to boost pensions saving or alleviate hardship?

In the Treasury’s consultation paper on early access to pension savings they consider introducing this option for two reasons: as an incentive to boost pensions saving and as a means to alleviate certain cases of hardship. In a previous blog … Continue reading

Posted in Early pension access, Treasury consultation | Tagged , , , , , , , | Leave a 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