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Fund management’s like a car-boot, you’ve got to know what you’re paying (and...
This is a guide to the costs you incur when you purchase your units in a fund; at the end of this guide I explain what other costs go into the purchase of units in a workplace pension fund and how the...
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It’s a phoney war- what’s happening on the other side of the Channel?
I am still surprised how people are organising themselves to do their jobs. You’d have thought that the accountants and book-keepers who provide financial stability, get people paid and manage the tax...
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If we can provide health screening – we can provide pension guidance
Organising the Guidance Guarantee is a daunting task but it is no more daunting than many public welfare initiatives. Each year the NHS screens and advises millions of us on a variety of health...
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What payroll can do to keep away the loan sharks.
We all know the sharks that swim in financial waters preying on the weakest and driving them and their families into deeper debt with all the social and health problems that “deep debt” brings. And...
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Meaninglessly big data.
I don’t like this infographic, it just appeared on my twitter feed to attract me to an article that would lead me to the conclusion that I was helpless and needed the assistance of some organisation to...
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Whose risk is it anyway?
No matter how we look at it – we do not- and will not- live in a command economy. That means we have to take decisions for ourselves rather than be told how to live our lives. If you want to be told...
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Auto-Enrolment needs more Training and less Selling
The standards adopted by those administering auto-enrolment have been high. Compliance to some complex problems that payroll, HR and pension providers have faced has been impressive. Sure there have...
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“A question of trust”- accountants and auto-enrolment pensions.
I’m not going to quote Einstein’s definition of insanity as that would be madness. To understand how tactical short-cuts spiral into destruction look at what PPI has done to the share price of our...
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Terry Smith – What I have learned from Fundsmith in the Past Five Years
Fundsmith is my favourite fund manager. Like Aberdeen (another favourite whose conference I’m going to today), it is an organisation with a strong purpose (moral and social). Terry Smith is an...
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Till we know the “money”– shut up about “value”.
I had a number of meeting yesterday culminating in an afternoon spent with members of the Transparency Task Force (TTF), with the FCA and with certain interested observers. I can report the meeting...
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