The lang cat‘s Tom McPhail talks with industry experts and insiders about pensions and investments, regulation, technology, politics and policy-making .
Grown-up financial services insights for people who work here.
Tom is one of the industry‘s leading experts on pensions and retirement for over 20 years and former Head of Policy for the FTSE100 firm Hargreaves Lansdown. You can also find him on Twitter as @pensionsmonkey
Equity Release
Right at the end of 2022, I recorded this conversation with Jim Boyd, the CEO of the Equity Release Council. We talk about the role of housing wealth in later life, regulation, the state of the market and what needs to change.
Pension scams, fraud and transfer delays
Everyone in the industry wants to stamp out scams and fraud, however the delays in transferring customers' money are themselves costing everyone a lot of time and money. Phil Warner from Hargreaves Lansdown talks through the issues (NB apologies for the sub-optimal sound quality on this episode)
The John Greenwood episode
Corporate Adviser editor and award-winning journalist John Greenwood and I talk about some of the highlights of 2022, including the problem with net-zero; price caps and illiquid investments and consolidation. We also take a look at 2023, decumulation and whether early access to pensions is a good idea.
Financial advice in 2030: The disruption game plan
Futurologist Eleanor Winton talks about how businesses can plan for future disruption and uncertainties. We also talk about the work we did with Parmenion to anticipate the world of financial advice in 2030.
Stephen Timms talks about the work of the Work and Pensions Committee
We cover recent inquiries on pension freedom and saving for retirement; the stronger nudge and increasing take-up of guidance; preventing pension scams; how to build on auto-enrolment; the current inquiry on LDI investing and forthcoming work on DB pensions.
The Steven Cameron episode
Now the dust has settled, Steven Cameron and I revisit the Autumn Statement, the state pension, social care and the in-trays for the new Pensions and Treasury Ministers
Pensions, Lifetime Savings and all that
Joe Dabrowski from the PLSA on pensions in the Autumn statement, retirement living standards, 5 steps for pension reform and pension scheme consolidation.
Collective Defined Contribution pensions for retirement income
This episode explores whether CDC could be the solution to the retirement income challenges posed by pension freedom. Simon Eagle explains how and why he thinks it could work.
The Edi Truell episode
Defined Benefit pensions, LDI, regulatory failure and the real-world consequences of pension tax policy on the NHS
Pensions are in the news, again
This isn't about DB scheme LDI strategies because that would be boring. Instead Nathan Long and I talk about politics, pension tax reform (again), annuities rate rises and investment losses and the tantalising possibility of regulatory reform
Guy Opperman II
There's a lot packed into this 40 minute conversation with Guy: He talks about Pension Awareness Week; the Midlife MOT; Pension Dashboards; consolidation of pots, pensions and regulators; the role of trustees; Value for Money; Pension Freedom and decumulation; and he talks about Pension Credit. He's also not shy with his praise and his criticism.
How to survive Consumer Duty
This is the big one, clear the diary, wrap a wet towel round your head and get to grips with the Consumer Duty. In this episode, Mike Barrett and I discuss the key challenges and how firms can survive and thrive in this new world order. Links: PS22/9: A new Consumer Duty (fca.org.uk) FG22/5: Final non-Handbook Guidance for firms on the Consumer Duty (fca.org.uk)
An international perspective on UK pensions
If you want a perspective on UK pension provision and policy from someone who has spent time working on other pension systems around the world, Jamie Jenkins from Royal London is your man. We talk here mostly about UK pensions but with some interesting insights from others' experieneces.
Guidance works
Many in the industry, myself included, have worried the advice/guidance boundary prevents businesses from helping their customers. With the help of Ian Beestin of Money Alive and Philip Hodges of Guiide, this episode explores how Guidance can in fact work within the current framework. Guiide the Happy Retirement Designer Risk Management Via Video Engagement - Money Alive
The annuities episode with Mark Ormston
Annuities have fallen out of fashion in recent years; given their obvious efficiency and utility, this begs the question, how and when will they be rehabilitated. Mark Ormston of Retirement Line gives us his perspective. www.retirementline.co.uk Retirement income market data 2020/21 | FCA Retirement income market study | FCA Retirement Outcomes Review | FCA
The Equity Release episode
In this episode, Tom talks about the equity release market and how it fits with later life financial planning. He also dissects recent publications, from the FCA/TPR on the pensions consumer journey and from the DWP on helping savers understand their pension choices HOUSE RULES - the lang cat (langcatfinancial.co.uk) FS22/3: Pensions consumer journey | FCA Helping savers understand their pension choices - GOV.UK (www.gov.uk)
Pension engagement – the Robert Cochran episode
From pension freedoms, through workplace pensions to the new engagement season advocated by the Pensions Minister, better consumer engagement on pensions is a vital element of delivering better retirement outcomes.
The Pension Credit episode with Henry Tapper
Pension Credit is money the government struggles to give away. Henry Tapper of Age Wage and I talk through the issues. We also get onto Value For Money, retirement income and CDC schemes. Henry’s blog: Henry Tapper
It’s going to be a busy summer
A quick review of current policy initiatives from the FCA, DWP and HM Treasury suggests we may not have a lot of time for summer holidays this year.
Making allowances for pensions
Along with Andrew Tully and Paul Speight of Canada Life, I try to make some sense of the pension tax allowances, the state pension and almost inevitably, the advice/guidance boundary.
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