Tag Archives: regulation

Two Sorts of Capital Punishment

There is a massive issue in the SIPP industry at the moment: the FSA’s proposals for a new SIPP capital adequacy regime. There’s a big difference between capital adequacy and capital punishment but, nonetheless, it seems the difference needs clarifying. … Continue reading

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Failing to Illustrate a Simple Truth

Projected growth rates in illustrations are being cut to 2%, 5% and 8% per annum, delivering a supposed cold dose of reality. I can’t really agree. The rationale for reducing the assumed investment returns is that we have been in … Continue reading

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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

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

Do SIPP providers get social media?

I was recently asked this and I think the answer is no, not yet. Arguably there are good examples such as @pensionsmonkey on Twitter (sometimes technical and hot-off-the-press, sometimes wickedly irreverent). But such examples are personal, not across a whole … Continue reading

Posted in SIPPs, social media | Tagged , , , , , , , | 2 Comments