Tag Archives: pensions policy

Learning the Wrong Lessons

This chap is on holiday in Hong Kong and he’s just ticked off one of the tourist classics – he’s had a suit made. He goes back to his Kowloon hotel to show his wife and, to his surprise, she … Continue reading

Posted in Pension policy, Pension rules, Retirement | Tagged , , , | 2 Comments

United States of Europe – a problem shared is a problem denied

The single currency is a Ponzi scheme on steroids. The Eurozone has become hugely bloated and muscle-bound with debt. It’s a highly unstable – and unsustainable – situation. Yet many are advocating debt mutualisation across the Eurozone and a single … Continue reading

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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

Stop Throwing Stones at Auto-enrolment

There’s something of a pensions apartheid in this country, particularly between the public and private sectors. It’s not just a DB vs DC thing or unfunded vs funded: for millions of workers it’s a pension vs nothing thing. From about … Continue reading

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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

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Do consumers need a kick up the arse?

There’s an awful lot going on in financial services and, a week or so ago, I was contemplating it all. “Aided” by the then warm, humid weather and mandated business attire in an office with no air conditioning or fans, … Continue reading

Posted in Behaviour, Education, Pension rules | 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