Tom McPhail

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Tom McPhail

Tom McPhail

@PensionsMonkey

Pensions expert, occupational scheme trustee, financial columnist https://t.co/ZGn6g7gL0C https://t.co/ygoFY5Gtee

Cumbria, UK Katılım Haziran 2009
1.1K Takip Edilen15.8K Takipçiler
Tom McPhail
Tom McPhail@PensionsMonkey·
@theobertram Yes but also no, based on current welfare rules and minimum auto-enrolment contribution rates, millions of lower earners are sacrificing current consumption for private savings which will simply replace means-tested welfare in retirement 👀
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Theo Bertram
Theo Bertram@theobertram·
Workplace pension auto-enrolment perhaps the greatest - certainly the most under-appreciated - anti-poverty measure of this century?
Theo Bertram tweet media
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arf
arf@arf84648947·
arf tweet media
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Tom McPhail
Tom McPhail@PensionsMonkey·
It didn’t take Nostradamus to see this Labour government would be a disaster…however bad it is now, if Ed Miliband gets to be Chancellor, it’ll get a LOT worse. If Burnham is to team up with him then I hope Burnham loses the by-election
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Tom McPhail
Tom McPhail@PensionsMonkey·
@MarkDampier It’s not even been 2 years yet since the election. Quite impressive how quickly they’ve managed to foul it up
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Tom McPhail
Tom McPhail@PensionsMonkey·
If only we had our own sources of oil and gas, instead of having to quietly buy it from a country we’re fighting Britain loosens sanctions on diesel derived from Russian oil thetimes.com/article/56bc37…
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Tom McPhail
Tom McPhail@PensionsMonkey·
Actually quite delighted for Arsenal this evening
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Conservatives
Conservatives@Conservatives·
Today we’re forcing a vote in Parliament to get Britain drilling and save 200,000 jobs. Labour MPs have a choice: Vote to back North Sea Oil & Gas, or back Ed Miliband’s plan to completely shut down a hugely profitable British industry.
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Tom McPhail
Tom McPhail@PensionsMonkey·
@max__young @GuidoFawkes Absolutely! The lesson from pensions is if you agree to a voluntary scheme, Labour will use that as justification for trying to force through a mandatory scheme. RESIST!
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Tom McPhail
Tom McPhail@PensionsMonkey·
Which is the greater threat to civilisation?
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Tom McPhail
Tom McPhail@PensionsMonkey·
@SimonApperley Separately I’d look to simply the tax system, try and get rid of those silly thresholds, ideally merge NI and tax
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Simon Apperley
Simon Apperley@SimonApperley·
@PensionsMonkey That would also push a lot of those around the £100k mark who use pension saving to avoid the weird income tax levels at that point to have to pay more tax.
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Tom McPhail
Tom McPhail@PensionsMonkey·
@SimonApperley @andcino Makes sense to have a system with some guardrails around access, to ensure the funds are used sustainably in later life
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Simon Apperley
Simon Apperley@SimonApperley·
@andcino @PensionsMonkey I wondered the same, but employer unlikely to contribute to an ISA. Also ISA has a cap on contributions each year.
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Keşfet

@theobertram @MarkDampier @GeorgeTrefgarne @max__young @GuidoFawkes @byearsley @elonmusk @BarackObama