Tag Archives: pension reforms

The two Orange Bookers who’ve won over the Lib Dem membership

Orange_BookIt’s 10 years since The Orange Book was published. Edited by David Laws and Paul Marshall it was widely regarded as an attempt by economic liberals within the Lib Dems to wrest back control of the party from social liberals.

Both Laws and Marshall would argue their attempt at ‘reclaiming liberalism’ (the book’s sub-title) was more about re-balancing liberalism as practised by the Lib Dems — that the party had grown intellectually lazy, happiest with simply saying ‘tax more, spend more’ as the answer to every public policy problem without thinking …

Posted in Op-eds | Also tagged , , , , , , , and | 70 Comments

The Independent View: Pensions reform – the right to advice is right

citizens adviceDuring the Budget last week George Osborne announced the right to free and impartial face-to-face advice in the context of pension reforms. On a day where we saw other good news — such as encouraging growth forecasts and falling unemployment figures — it was a poignant reminder of how vital advice is for anyone facing major life decisions at any time in their life.

We know more than most how invaluable quality advice is. This year is our 75th anniversary and, over the past 12 months, Citizens Advice helped more than …

Posted in The Independent View | Also tagged , and | 6 Comments

The price of trusting people with their own money

pensionsThe world of the private “Defined Contribution” pension is one that sees so many hidden fees it has been described as generating a greater return for the financial services industry than it does the saver. A large bite of this comes with the annuity purchase, where the pension pot, built up over the years, is spent on an annuity, converting a cash sum into a fixed (or index-linked) income for life.

Annuity purchase represents a kind of insurance against getting too old and running out of money.

Posted in Op-eds | Also tagged , and | 52 Comments
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Recent Comments

  • User AvatarIan Sanderson (RM3) 19th Oct - 8:43am
    @Ruth Coleman-Taylor 'We have all canvassed people who told us that they were not going to vote ......' And also, as a teller, witnessed the...
  • User AvatarPaul Walter 19th Oct - 8:43am
    The Letwin amendment (there always seems to be a “Letwin amendment”) looks as though it will pass and allow the bill to be properly scrutinise...
  • User Avatarfrankie 19th Oct - 8:26am
    And yet Caron enough scared Labour MP's will vote for it coupled with a couple of mad and bad Labour MP's it will probably get...
  • User AvatarRoss McLean 19th Oct - 2:10am
    Yep. This is excellent. Well done Daisy. I hope Norman Lamb reads it. Norman is being reported in the Guardian to be considering voting for...
  • User AvatarRoland 18th Oct - 11:46pm
    @frankie Norway+ is not on offer, at best it is Canada- and if the ERG get their way it is WTO. Actually, if the ERG...
  • User Avatarfrankie 18th Oct - 10:50pm
    I'm afraid John there are too many frightened Labour MP's along with some very mad ones, that coupled with Jeremey tacit support is likely to...