Investment Life & Pensions Moneyfacts: Learning from how others see us

November 08, 2018 Tom Murray

Pensions auto enrolment autoenrollment auto-enrolled Autoenrolment

Learning from how others see us  This article was originally commissioned for the October 2018 edition of the Investment Life & Pensions Moneyfacts Magazine.  Tom Murray considers why the Government should examine the external view of auto-enrolment before considering the best way to raise contribution levels.   It is now six years since the introduction of auto-enrolment into the UK and there have been a number of reports assessing the impact of the project on the level of pension savings in the UK.  On the whole, these have been primarily positive, with a large increase in the number of people saving and a lower level of opting out than was previously expected.  
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Investment Life & Pensions Moneyfacts: The cold, hard truth

December 04, 2017 Tom Murray

Investment Life & Pensions Moneyfacts pension policy Long Term Care Brexit UK

Investment Life & Pensions Moneyfacts: The cold, hard truth This article was originally commissioned for Investment Life & Pensions Moneyfacts Magazine. Tom Murray looks at how the high old-age dependency ratio afflicting Finland should serve as a warning to the UK Government that a long-term strategy is needed.
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Nostalgia ain't what it used to be!

September 28, 2016 Tom Murray

UK FCA Retail Distribution Review (RDR) insurance industry RDR

Nostalgia ain't what it used to be! Nostalgia is back in vogue, with a general trend to hearken back to a golden era, when the EEC was a far-off organisation and America was great. As part of this trend, the FCA have decided to chip in with their latest wheeze to sort out the lack of advice available for the smaller investor.  
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FCA surprised that doing nothing didn’t fix OMO!

January 08, 2016 Tom Murray

Pensions UK Retail Distribution Review Financial Conduct Authority Life and Pensions

FCA surprised that doing nothing didn’t fix OMO! The Financial Conduct Authority (FCA) have released data that shows that the majority of people purchasing annuities actually bought them from their existing provider and didn’t make use of the Open Market Option to shop around for a better deal.
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Exaxe shortlisted for the FStech Awards

January 07, 2016 Sharon Cronin

Technology Provider of the Year FStech Pensions UK financial services sector

NEWS RELEASE: Exaxe shortlisted for the FStech Awards Exaxe is delighted to announce that it has been shortlisted for the Technology Provider of the Year award at the 2016 FStech Awards which will to take place in London on March 17th.
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The Brexit circus is coming to town

January 07, 2016 Tom Murray

forecast Investment markets UK Bank of England EU

This article was originally commissioned and published in December 2015 for Investment Life & Pensions Moneyfacts. Tom Murray considers the troublesome wait for Brexit and how this uncertainty could cause major volatility in the investment markets.
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Life and pensions set for a good year in 2016

January 04, 2016 Norman Carroll

tablets 2016 pensions savings Pensions UK

Life and pensions set for a good year in 2016 The last few years have been difficult for all of us working in the financial services sector. The hangover from the boom that preceded the global financial crisis of 2008 lasted far longer than originally predicted, and the ‘plink, plink, fizz’ of the austerity cure was slow to work its magic.
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Pension Wise – Paying more for less

December 21, 2015 Tom Murray

Pensions UK guidance average cost of IFA Life and Pensions

Pension Wise - Paying more for less When George Osborne stood up and accidentally announced that there would be advice given free to all when they reached retirement, so that people would be educated in how to make the most of their new pension freedoms, the Treasury spin doctors leapt into action to clarify the statement. What was meant was guidance, we were told, a cheaper level than advice which would guide people through the options available but definitively not recommend anything to the individuals receiving the guidance.
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Why Workie won’t work

November 16, 2015 Tom Murray

DWP Pensions department of work and pensions UK Workie

Why Workie won’t work As we move into the second phase of auto-enrolment (AE), with the arrival of the staging dates for small and micro-employers, we need to be very careful that our message isn’t getting lost. Both the government and the industry need to focus on getting the large number of people still without a pension enrolled in a scheme.
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Exaxe White Paper: Real-time data and UK Policy Administration Systems

November 10, 2015 Exaxe

White Papers Pensions UK Admin Plus wrapping legacy systems

Exaxe White Paper: Real-time data and UK Policy Administration Systems Is your PAS choking your customer-driven strategy? This white paper examines the challenges facing providers in administrating business in the life and pensions industry as we move towards the third decade of the 21st Century, and it considers what are the fundamental requirements needed for an administration system if it is to meet those challenges.
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