Beware a flurry of pension cold calls

The government intend to ban pension cold calling this autumn – better late than never and too late for those who have been scammed. For most of us our pensions are our biggest asset or our biggest asset after our house. It can mean the difference between a...

RPI RIP?

The UK Government has launched an enquiry into the use of RPI as a measure of inflation. It will be specifically asking whether RPI should be dropped as a measure of inflation. The impact if this is dropped is enormous – a vast gamut of contracts, pensions and...

Non-Workplace pensions

Non-Workplace pensions should have similar charges structures to new workplace pensions – its only fair. FCA has published an excellent discussion paper pointing out anomalies between the charging structure in old non workplace pensions and workplace pensions...

Passive Funds but Active Pricing

Passive Funds but Active Pricing: IS THAT FAIR?????? The whole rationale about passive funds is that you are not paying large fees to a fund manager in order to outperform the market. And, there has been considerable furore over “closet trackers” – managers charging...