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
The financial resilience and engagement episode
Financial resilience is about how well adapted and prepared people are to deal with the financial challenges that life throws at them. It’s a really important issue at both a personal and at a societal level. Nathan Long from Hargreaves Lansdown talks about the work they’ve been doing to objectively track the financial resilience of people in the UK. https://www.hl.co.uk/__data/assets/pdf_file/0010/17589844/A-savings-and-resilience-barometer-for-Great-Britain-final-report.pdf Savings and resilience comparison tool | Hargreaves Lansdown (hl.co.uk)
The Guy Opperman episode
The current Minister for Pensions and Financial Inclusion joined us at lang cat live to talk about whether pensions work for ordinary people. We touched on a spectrum of topical issues, including costs and charges, financial engagement, simpler statements, the statement season, the pension dashboard, the challenges in passing regulation and legislation, financial fraud and the auto-enrolment review. Also, how the state pension might be paid for in an independent Scotland.
The Steve Webb episode
Steve Webb, Liberal Democrat pensions minister in the coalition government between 2010 and 2015, talks about those coalition years; we also discuss what he sees as unfinished business on auto-enrolment and pension freedoms.
The view from the Investment Association: Purpose, stakeholders, technology and customer engagement
Jonathan Lipkin is Director of Policy Strategy and Research for the Investment Association, the UK's fund management trade body whose members look after £9.4 trillion of assets in the UK and around the world.
Pension freedom and retirement income
It has been nearly 7 years since George Osborne dropped his pension freedom Budget bombshell and we're still dealing with the fallout. In this episode Ian Costain and I explore some of the impacts and unfinished business, including pathways, the advice/guidance boundary, sustainable income and the role of annuities.
Does shareholder capitalism still work? The Tumelo episode
Georgia Stewart, the CEO of Tumelo joined me for this week's podcast to explore the extent to which shareholder capitalism still works, in a world where most investments are managed through fund managers and pension schemes. We talk about whether it is possible to restore the link between retail investors and the companies they invest in, why it is important and what her company is doing about it.
MaPS: what is it good for? Free Financial Guidance
Sarah Porretta is the strategy and insights director at the Money and Pensions Service, in this episode we talk about the development of the organisation, the financial wellbeing strategy, financial resilience, the link between money and mental health, financial education and Pension Wise.
The FCA’s Call of Consumer Duty. Everything you ever wanted to know but couldn’t be bothered to read
Simon Harrington from PIMFA and the Lang Cat's own Mike Barrett have both done the hard yards and read the papers so you don't have to. In this episode we talk about the FCA's Consumer Duty, what it is, why they are introducing it, who it will affect and whether it will make any difference.
Fintech fun - at least Dave knew what he was talking about
Dave Henderson is a fintech enthusiast, he spent nearly 20 years at Hargreaves Lansdown, now he's an adviser to Fintech West, he's a board member at the Accounting, Economics and Finance department of the University of West of England and he's helping get a couple of fintech start-ups up and running. In this episode he walks me through the impact of open banking, the Khalifa review and some of the interesting trends in financial technology.
Pensions and politics part two: NO WHISKY
This week’s podcast is part two of an excellent conversation with Darren Philp, in which we talk about CDC schemes, pension tax reform, DWP legislation plans and the vexatious problem of small pension pots, including what should be done about overseas workers. Given the subject matter we can only apologise for inexplicably missing a golden opportunity to make a dad joke about Grecian earns.
Pensions and politics geekery WITH NO BEER
In this first half of what turned into a two part recording, I talk with Darren Philp, a man with whom I’ve shared a few beers over the years, we talk about his time working in the Treasury which is where I first met him when he was working in Drawdown policy, we also talk about the pension dashboard and about the world of workplace pensions. With his experience in the public sector, at a trade body and now at a commercial provider, Darren has an amazing breadth and depth of experience. If you’re at all interested in pensions policy and politics, then you’ll enjoy listening to him.
COP26 and the tears of Alok Sharma
This week it’s the turn of Parmenion senior investment manager and all-round ESG guru Mollie Thornton. We talk to Mollie about what next after COP26, and whether the conference can be judged as a success or a failure. As you’d expect, we also look at how the world of ESG investing is evolving, plus the various policy initiatives at play and the specific developments advisers and planners should be paying attention to. For due diligence support, market insight from the lang cat and more, visit https://platformanalyser.thelangcat.com/blog. Go premium for full Platform Analyser access. Presented by Tom McPhail. Produced by Ross Burns.
The challenges of an ageing population
Shifting demographics and the nature of our ageing population pose some particular social challenges. In this episode, Aviva head of savings and retirement Alistair McQueen explores some of these issues, and why Aviva is looking to champion the interests of older workers (a subject close to the heart of 50-something podcast host Tom McPhail). Alistair and Tom also reflect on the changing dynamics between people, their employer and the state, as well as some of the ways we can start to close the advice gap. For due diligence support, market insight from the lang cat and more, visit https://platformanalyser.thelangcat.com/blog. Go premium for full Platform Analyser access. Presented by Tom McPhail. Produced by Ross Burns.
Pensions, platforms and the Treasury’s ‘reverse ferret’
In our launch episode, we chat to AJ Bell head of retirement policy Tom Selby about what it’s like to work for a big platform business, the gender pay and investment gap and the Budget and pension tax reform. We also discuss the Treasury’s back and forth (aka the ‘reverse ferret’) on the normal minimum pension age, and touch on what came out of COP26 for financial services firms. Check out Tom McPhail’s Platform Analyser article on the implications of the age 57 rules: https://platformanalyser.thelangcat.com/blog/how-the-new-age-57-rules-will-change-pensions Presented by Tom McPhail. Produced by Ross Burns.
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