Pensions

Are pensions in mortal danger?

Are pensions in mortal danger?

Back on the 4th January 2017, Ros Altmann, the ex-Pensions minister, media commentator and finance blogger posted an article about the potential threats to the current pension structure posed by a change in emphasis by the Treasury, who appear to be pressing the case of the “Lifetime ISA” at the expense of the existing pension regime.

Avoiding Auto-enrolment employer slip-ups!

Avoiding Auto-enrolment employer slip-ups!

A press release from The Pensions Regulator this morning, (21st April 2016), and articles in the financial press highlights the plight of employers who make a mess of their auto-enrolment duties. Swindon Town Football Company Limited, the trading entity behind the Division 1 football club, was fined £22,900 for not enrolling workers into a pension scheme and other workplace pension duties.

Clients' rules of thumb

Clients' rules of thumb

A new financial year brings new expectations, so it would be a good idea to understand what is realistic and consider the dividing line between a sensible projection and the implausible marketing claim.

A recent research project by the Citizens Advice Bureau highlighted that new retirees have little idea of what to expect as a sustainable income and are often drawn to an implausible “guaranteed return”, like a moth to a flame. In a research experiment 88% of responders were drawn to “guaranteed” returns of 10-15%.