pensionsandsavings.com

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    From Ros Altmann:economist and pensions,
    investment and retirement policy expert

    • pensionsandsavings.com

    pensionsandsavings.com

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    Author: Ros Altmann

    The BHS Pension Scheme – a Q & A

    The BHS Pension Scheme – a Q & A

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    25 July 2016 BHS could have obtained Clearance from Pensions Regulator before selling the company with its massive pension deficit Employers must not treat pension liabilities as optional – they have people’s lives attached Pensions Regulator has power to force previous owners to pay huge sums The Select Committees’ Report on the collapse of BHS makes distressing reading.  The whole sorry saga has highlighted poor practices by many of the parties involved, but we must not forget that it is…

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    Pension Protection Fund Cap

    Pension Protection Fund Cap

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    20 July 2016 Government must stop denying fairer pension compensation to long-serving staff of failed firms Regulations are ready and DWP should lay them immediately Further delay in increasing Pension Protection Fund cap is a major injustice to those affected Small numbers of people but to each one this is hugely important   No justification for further Government delays to Regulations for loyal, long-serving pensioners: It is very disappointing that the DWP has failed to lay the Regulations that will…

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    Pensions are too important to downgrade

    Pensions are too important to downgrade

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    18 July 2016 Potential dangers ahead for pensions if responsibility moves from DWP to Treasury Could be threats to auto-enrolment Must continue to address employer challenges in funding Defined Benefit schemes It would seem that the role of Pensions Minister is being downgraded by the new Government. What does that mean? At the moment, we just don’t know, however it could be that this poses threats to future pensions and we must be alert to the dangers.  Pensions are vital…

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    My farewell blog…

    My farewell blog…

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      As most readers of this blog will know by now, I have been appointed Minister for Pensions in David Cameron’s new government. Having spent so many years studying pensions, savings and retirement policy as an independent expert, I have the chance of working inside government to drive things forward.  It will certainly keep me busy and be a great new challenge. Recent years have seen sweeping changes to our pensions system, changes which have started to move pensions in…

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    My warnings in 2006 about excess public spending – the irresponsibility was clear even then

    My warnings in 2006 about excess public spending – the irresponsibility was clear even then

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    It is simply incredible to deny that the Labour Government spent too much Failure to recognise or admit past over-spending is deeply worrying This is an article I wrote in 2006, exposing the excessive Government spending under Gordon Brown. It was clear to me even back then, and is still clear now, that the Government was spending far too much. I warned that this was the wrong policy, but it continued.   Ed Balls and Ed Milliband were in charge…

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    The most important election for decades – don’t gamble our future on policies that failed in the past

    The most important election for decades – don’t gamble our future on policies that failed in the past

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    30 April 2015 This is my honest assessment of the economic and political realities facing the UK Having given my views on finance and economics for years, I am writing this blog to set out some thoughts on the upcoming election.   I have previously voted Labour and LibDem and each party has some excellent politicians, but the current economic and political realities lead me to conclude that the future of the country I love is at risk if the Conservatives…

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    An opportunity for me to help millions of ordinary British savers

    An opportunity for me to help millions of ordinary British savers

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    19 April 2015 Review of financial fairness and extending financial guidance to younger savers Minister for financial consumer protection and financial education For so many years I have been an independent consumer champion, working on making finance work better for customers, exposing injustice and helping ordinary savers understand finance.  I have focused on policy, rather than politics, trying to make finance work well for the many, not just the few.  I have worked with all the major political parties and…

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    Pension Freedom Day is great news for pensions – here’s what you need to know

    Pension Freedom Day is great news for pensions – here’s what you need to know

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    6th April 2015 Pension freedom is great news for pensions – new rules make them more user-friendly, now industry needs to help customers benefit from the changes Don’t be in a rush to take money out of a pension and suffer the tax consequences I believe most people will be responsible with their money, I trust people Pension Wise is there to help – make sure you use it 030 0330 1001 From today, April 6th 2015, the rules governing…

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    Pension jargon explained for April Fools Day

    Pension jargon explained for April Fools Day

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    With grateful thanks to Simon Grover of ‘quietroomtweets’ for his April Fool take on pension jargon – hope you enjoy it. Source is here: http://quietroom.co.uk/general/fool2015/ With less than a week to go before the new ‘pension freedoms’ take effect, a Government body is today announcing a new tool to help explain the changes.  A Pensions-Related Information Lexicon is the latest publication from the Financial Office Of Language (FOOL), a quango that brings together experts from the world of business communications to…

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