It's one of the great offspring of mother AE - Pension Awareness came out of the surge of people joining workplace pension in the early years of auto-enrolment and it's still going strong today. My hat's off to Rachael and Jonathan. the Pension Geeks! Richard Smith has been finding out what people have been asking this year. On this blog, I've been giving those who believe the best way for ordinary people to have confidence in replacing a wage at work with a wage in retirement is through their state pension first and then through the deferral of their pay by a payroll deduction.

It’s one of the great offspring of mother AE – Pension Awareness came out of the surge of people joining workplace pension in the early years of auto-enrolment and it’s still goin…

It's one of the great offspring of mother AE - Pension Awareness came out of the surge of people joining workplace pension in the early years of auto-enrolment and it's still going strong today. My hat's off to Rachael and Jonathan. the Pension Geeks! Richard Smith has been finding out what people have been asking this year. On this blog, I've been giving those who believe the best way for ordinary people to have confidence in replacing a wage at work with a wage in retirement is through their state pension first and then through the deferral of their pay by a payroll deduction.

The job of a blogger is not just to write blogs, it is to put them in places where people run into them. This appears random to me. This is my 17th year as a blogger and apart from my 5 weeks in ne…

The view of the FT is important to its readers that include parliamentarians and civil servants. It has a powerful voice that needs a wider audience.

The view of the FT is important to its readers that include parliamentarians and  the civil servants in the DWP and  Treasury. Too often the FT's view is read just by the few. It has a powerful voice that need a wider audience.

The view of the FT is important to its readers that include parliamentarians and  the civil servants in the DWP and  Treasury. Too often the FT's view is read just by the few. It has a powerful voice that need a wider audience.

The job of a blogger is not just to write blogs, it is to put them in places where people run into them. This appears random to me. This is my 17th year as a blogger and apart from my 5 weeks in neurological recovery from a brain haemorrhage, I've blogged every week and lately every day. Some blogs get a handful of readers, some get several thousand.

I'm sorry about the poor headline to this post but the Barbican was part of the experience of LCP's DB conference yesterday. I'll call it a collective pension conference as CDC crashed the party. It looks like LCP , the trustees and employers and one proprietor of CDC services (who had crept in quietly) could equate the DB they grew up with with the CDC that was presented as a workplace pension by Steven Hartley and Helen Draper.

I'm sorry about the poor headline to this post but the Barbican was part of the experience of LCP's DB conference yesterday. I'll call it a collective pension conference as CDC crashed the party. It looks like LCP , the trustees and employers and one proprietor of CDC services (who had crept in quietly) could equate the DB they grew up with with the CDC that was presented as a workplace pension by Steven Hartley and Helen Draper.

It's one of the great offspring of mother AE - Pension Awareness came out of the surge of people joining workplace pension in the early years of auto-enrolment and it's still going strong today. My hat's off to Rachael and Jonathan. the Pension Geeks! Richard Smith has been finding out what people have been asking this year. On this blog, I've been giving those who believe the best way for ordinary people to have confidence in replacing a wage at work with a wage in retirement is through their state pension first and then through the deferral of their pay by a payroll deduction.

Those of you who read my blog a lot will know that there is only one person who knows the state pension who is an actuary and a pension expert. I will not name him but this is his response to my bl…

Those of you who read my blog a lot will know that there is only one person who knows the state pension who is an actuary and a pension expert. I will not name him but this is his response to my blog today, It needs its own blog. It gives an insider's view on what the triple lock really is, how we got to it (politically) and how it can be replaced by a more sensible way of managing state pension increases.

I’m not a DB man, but I’m a collective pensions man and I will get a part of LCP’s DB conference dedicated to CDC (3pm – Draper and Taylor repeats the line up of last week&#…

I'm not a DB man, but I'm a collective pensions man and I will get a part of LCP's DB conference dedicated to CDC (3pm - Draper and Taylor repeats the line up of last week's PP coffee shop)! I'll also get to hear the Stagecoach/Aberdeen deal from the LCP perspective, giving advice to Stagecoach when a sponsor of the Stagecoach Group pension.

Thankfully there was a comment yesterday which I read on the embankment as I walked to the DWP to discuss our progress as a collective pension challenger! Outsider-looking-in says: September 15, 2026  I see CDC as being aimed at those (the majority of the public?) who want to know they are not making a terrible decision joining the scheme, that will be reassured they will not run out of money and, if things go according to planned expectations, they will get a bit more than their minimum needs met in retirement.

Thankfully there was a comment yesterday which I read on the embankment as I walked to the DWP to discuss our progress as a collective pension challenger! Outsider-looking-in says: September 15, 20…

Thankfully there was a comment yesterday which I read on the embankment as I walked to the DWP to discuss our progress as a collective pension challenger! Outsider-looking-in says: September 15, 2026  I see CDC as being aimed at those (the majority of the public?) who want to know they are not making a terrible decision joining the scheme, that will be reassured they will not run out of money and, if things go according to planned expectations, they will get a bit more than their minimum needs met in retirement.

From the reactions to the announcement that we will get a £500 increase in our universal wage in retirement (the state pension), you would have thought that the triple lock was responsible for political irresponsibility by economic realists. Steve Webb is both an economist and has been a politician, but he has always been good at seeing things through the eyes of the people who will get benefits and pensions from the state.

From the reactions to the announcement that we will get a £500 increase in our universal wage in retirement (the state pension), you would have thought that the triple lock was responsible for political irresponsibility by economic realists. Steve Webb is both an economist and has been a politician, but he has always been good at seeing things through the eyes of the people who will get benefits and pensions from the state.

This is an interesting development in Australia with youngsters taking back control from their Supers. My thoughts below are those of a boring old fart. BOFs have their place! So what do we make of…

This is an interesting development in Australia with youngsters taking back control from their Supers. My thoughts below are those of a boring old fart. BOFs have their place! So what do we make of younger savers taking back control of their retirement money? It tells me that there is an exuberance that I once had, to beat those who claim to be expert.

This blog was first published here We’re three weeks in for Charting the Course. Thanks for reading. The first two weeks were on the serious side – digging into what is going on with the UK’s labou…

This blog was first published here We’re three weeks in for Charting the Course. Thanks for reading. The first two weeks were on the serious side – digging into what is going on with the UK’s labour market and public finances. So it’s time for some slightly lighter relief today, riffing off last week’s strong GDP figures. The UK economy grew 0.4% in July, as the momentum that saw the UK record the strongest growth in the G7 through the first half of this year continue into the second half of 2026 despite the painfully real headwinds from the Iran conflict.

This is pensions awareness week and we are asking savers young and old to grow their pension by saving more. Those who blindly believe that more is better may not be thinking about “renters&#…