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Retirement view

The latest news, views and commentary from the world of pensions from our commentators Fiona Tait and Jamie Clark.

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Automatic enrolment and Schrödingers zombie cat

In 1935 Austrian physicist Erwin Schrödinger came up with a thought experiment involving a cat that helps students interpret quantum mechanics. In 2008, the Pensions Act 2008 that introduced employer duties and automatic enrolment received Royal Assent. Funnily enough, in some ways there’s not that much difference between the two..

4 May 2012

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Automatic Enrolment - Final staging dates and thresholds announced(almost...)

The Department for Work and Pensions has at last given us details of the proposed staging dates for small employers and earnings thresholds for automatic enrolment. Here’s a summary of what the DWP said...

11 April 2012

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We are officially delighted

It's a social network faux-pas to use "delighted" in any commentary so I did think twice before using it. The fact remains though that I am delighted that the Chancellor chose to leave pension tax relief untouched in his 2012 Budget.

30 March 2012

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Physics and the science of automatic enrolment

I've been reading an article about the discovery that tiny wee particles called neutrinos can travel faster than the speed of light. About a billionth of a second faster apparently. That doesn't sound much, but if proved true, it will fundamentally change our understanding of the universe...

24 February 2012

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New Automatic Enrolment Regulations - The Final Countdown

The DWP started a consultation on automatic enrolment way back in July last year with some draft regulations. On the 1st of February, the DWP published the government response to that consultation, together with the final regulations. Whilst there were no major surprises, the new regulations that have now been published put some of the final pieces in the automatic enrolment jigsaw. In no particular order, here are the highlights...

2 February 2012

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How far should providers go?

The recent publication "A shared approach to Adviser and Consultancy Charging", in the drafting of which Scottish Life was heavily involved, has attracted some unfavourable comment from IFAs.

17 January 2012

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DWP fly over the Cuckoo's NEST...

The DWP has asked whether NEST should be the default provider for millions of small pension pots - are they mad?

12 January 2012

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“It’s the employer contribution, stupid!”

A key finding from research carried out by the Strategic Society Centre (SSC) was that the biggest factor in pension participation is the availability of an employer contribution

9 December 2011

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In the press: Eight myths about public sector pensions

The cost of public sector pensions is rising with increased longevity, and reforms are pending. Amid the controversy, many people affected hold misconceptions.

18 October 2011

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In the press: Shining a light on the auto-enrolment small print

Understanding the detail of auto-enrolment issued by The Pensions Regulator will put advisers in a good position to help their business clients comply with the new requirements.

30 August 2011

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