The long-awaited Automatic Enrolment Retirement Savings System Act 2024 was signed into law by the President on 9 July 2024. This Act will impact every business in the country which has employees.

In this podcast episode, Sarah McCague, Partner, Deirdre Cummins, Of Counsel and Daniel Watters, Senior Associate in our Pensions Group discuss the main changes to the final form legislation when compared to the draft Bill as initially published, and give practical tips on what employers should do next to get ready for AE.

Pensions: Auto Enrolment

The topics, stocks and shares mentions / discussed include:

Investment Trusts, the Heroes & Villains
Caledonia Investments / CLDN
A 7,000% winner 
Digital 9 Infrastructure Trust / DGI9
Worldwide Healthcare Trust / WWH
F&C IT / FCIT
Life Science REIT / LABS
Home REIT / HOME
Brunner IT / BUT
The Global Smaller Companies Trust / GSCT
JPMorgan Claverhouse IT / JCH
REITS, Property / Real Estate / Healthcare / Technology / Digital Infrastructure
Discount / Premium to Net Asset Value
Debt / Refinancing
Dividends, Dividend Heroes
Judges Scientific / JDG
September's TwinPetesInvesting Challenge winner
Hvivo / HVO
Eurocell / ECEL
NIOX
Watches of Switzerland / WOSG
Hargreaves Lansdown / HL.
Future Group / FUTR
The UK's forthcoming October 2024 Budget / Pensions / ISAs / Inheritance Tax IHT
FREE TICKETS FOR The Association of Investment Companies Investment Company Showcase on 11th October : Discount code SHOW24
Sharescope / Sharepad special discount offer code ShareScope | SharePad : TwinPetes
Henry Viola-Heir’s blog Home – The Ethical Entrepreneur
Investors’ Chronicle sponsor Special Trial Offers (investorschronicle.co.uk) the TwinPetesInvesting Challenge
Harriman House books Harriman House – Independently minded publishing
Powder Monkey Brewing Co All Products – Powder Monkey Brewing Co 10% discount code : TWINPETES
CENTREPOINT Charity Appeal please make a donation on the TwinPetes Investing Charity Challenge 2024 Henry Viola-Heir is fundraising for Centrepoint (justgiving.com) Just Giving page
Charity
Trading
Investing
FTSE 100 / AIM All-share index
& more

The Twin Petes Challenge 2024 / Charity fundraise is for the CENTREPOINT Charity. Have you enjoyed one or more of these podcasts. Yes . Then please make a donation , every pound will help.  Henry Viola-Heir is fundraising for Centrepoint (justgiving.com)  JUST GIVING TWIN PETES FUNDRAISING FOR THE CENTREPOINT Henry Viola-Heir is fundraising for Centrepoint (justgiving.com) Thank you.

The Twin Petes Investing podcasts will be linked to and written about on the Conkers3 website and also on available via your favourite podcast and social media platforms. Thank you for reading this article and listening to this podcast, we hope you enjoyed it. Please share this article with others that you know will find it of interest. 
PLEASE SUBSCRIBE TO THE TWIN PETES INVESTING PLATFORM THAT YOU ARE LISTENING TO THIS PODCAST ON. THANK YOU.

Investment Trusts; the Heroes & Villains, #CLDN #WWH #FCIT, A 7,000 winner, #DGI9 #LABS #WOSG #JDG

Lifetime allowance abolition 2024
Pension tax changes
Tax-free pension lump sum
Pension death benefits
New pension allowances

"How does the new pension lump sum allowance work"
"Tax-free pension death benefits 2024"
"Pension commencement lump sum rules"
"Changes to lifetime allowance 2024"

Pension reform 2024
Pension taxation changes
Tax-free cash limits
Death benefit allowance
Overseas transfer allowance


Pension commencement lump sum
Uncrystallised funds pension lump sum
Serious ill-health lump sum
QROPS transfers

"What replaces the lifetime allowance"
"How much tax-free cash can I take from my pension"
"When do the new pension rules start"

Pension protection
Pension tax relief
Retirement planning
Pension savings limits

Finance Act 2024 section 14 - Lifetime allowance abolition

KCLR News' Edwina Grace has been out across Carlow and Kilkenny hearing the voter priorities from those living locally ahead of the General Election ...

The KCLR Daily: General Election special - voter issues from Carlow and Kilkenny (26th Nov 2024)

https://thecommunists.org/2024/11/23/news/pensions-obscenity-investment-funds/

The imperialists, through their relentless drive for profit, cannot help but continuously expose the fact that, at both a local and a global level, ruthless exploitation of the masses is their sole concern.


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Your pension at work: the obscenity of 'investment funds'

Shaping Tomorrow celebrates the people, their stories and successes in our industry. Tune in as we explore the relationships, ideas, discoveries and innovations that help make great things happen.

In episode one of our reimagined series, host Clare Routledge orchestrates the discussion on last year's £30m buy-in for The Retreat York Pension Scheme (a not for profit charitable organisation helping people with mental health needs), with special guests: Duncan Willsher (Client Director, Vidett); Adam Davis (Managing Director, K3 Advisory); Andrea Mendham (Partner, K3 Advisory); and Baljit Khatra (BPA Origination Lead, Royal London).

Shaping Tomorrow EP01: the first deal

Australia’s superannuation system is often hailed as a global success story, but what can UK pension schemes learn from it? With growing regulatory pressures, consolidation trends, and a shifting investment landscape, are there lessons from down under that could help shape the future of UK pensions? 

In this episode, we speak with Michael Ambery of Standard Life to explore how Australia’s superfunds are structured, how they operate and what this means for how they invest.

S6 Ep.12: Michael Ambery: Should UK pensions go down under?

For International Women’s Day (8th March), we’ve dedicated our latest podcast episode to the women in our business, with Client Director/host Clare Routledge speaking to Claire Barnes (Client Director and Head of Governance); Lisa Turner (Office Manager); Sarah Booth (Associate Director); and Taiwo Sobowale (Human Resources Coordinator).
 
Tune in as we get to know each of them a little better; discussing the challenges, learnings and inspirations they’ve found in both their personal and working lives in pensions and beyond.

Shaping Tomorrow EP02: inspiring women

We are building on the success of last year and are taking Investment Uncut on the road again, recording for the Pension and Lifetime Savings Association (PLSA) Investment Conference 2025 this week! If you’re attending the conference, we look forward to seeing you there. 

Today we cover day 1 of the conference, with interviews from: Laura Myers, Ed Bussey, David Rosenberg, Tim Dougall and Matthew Webb, and Ped Phrompechrut.


S6 Ep.13: PLSA Investment Conference Day 1

Recorded for the PLSA investment conference 2025. Today we cover day 2 of the conference, with interviews from: 

Shalin Bhagwan - Chief Actuary at the Pension Protection Fund - Could DB Schemes Invest More in Productive Assets? 

James Coke - Head of Institutional UK Real Estate at Columbia Threadneedle - Unloved, Undervalued and Misunderstood: The Productive Finance Asset No-one is Talking About 

Paul Morton – CEO at G2M Group - Why the UK's Existing Housing Infrastructure is a Trillion-pound Opportunity 

Gregg McClymont – Executive Director at IFM Investors - Open For Business: Private Markets and UK Growth 

S6 Ep.14: PLSA Investment Conference Day 2 part I

In our latest podcast, Deirdre Cummins, Of Counsel in our Pensions Group, is joined by colleagues Daniel Watters and Sarah McCague to delve into key updates in Irish pensions law. From "DORA Day" to the upcoming implementation of auto-enrolment and key case law on retirement age, this conversation unpacks the challenges trustees and employers face, offering practical advice to stay compliant in this evolving regulatory landscape.

Full video of podcast available here: https://youtu.be/wvNZ7PhlARk

Navigating Developments in Irish Pensions Law

Recorded for the PLSA investment conference 2025. Today we continue to cover day 2 of the conference, with interviews from: 

John Clements and Leandros Kalisperas – Partner at LCP and CIO and the British Business Bank respectively - How Asset Owners Can Engage Effectively with Fossil Fuel Companies 

Stephen Budge – Partner at LCP - Solved: The Challenges of Investing in Venture Capital 

Barnaby Low - Strategic Client Portfolio Manager at Charles Stanley - Going for Growth: Priorities for Trustees and Boards 

S6 Ep.15: PLSA Investment Conference Day 2 part II

Recorded for the PLSA investment conference 2025. Today we cover day 3 of the conference, with interviews from: 

Professor Mike Berners-Lee - Climate Researcher and Author - The Future's Bright: What the Green Transition Means for Investors 

Karen Ward - Chief Market Strategist EMEA at JP Morgan Asset Management - The Global Economy: Stabilising Investments in Times of Instability 

Pav Sharma - UK ETF Distribution at JP Morgan Asset Management - Active ETFs: What’s All the Noise About? 

Zuhair Mohammed – Head of Investment at LCP – Reflections on the conference and key takeaways  

S6 Ep.16: PLSA Investment Conference Day 3

Leslie is joined by Sean O'Brien, General President of the International Brotherhood of Teamsters.

They begin the interview by acknowledging the accomplishments that President O'Brien and General Secretary-Treasurer Fred Zuckerman have helped their Union to achieve during their three years heading the organization.
With 80,000 new members organized, great successes at the negotiating table including many of their best contracts ever like at UPS and Anheuser-Busch, an empowered rank-and-file membership that has waged over 250 strikes and led bargaining themselves against some of the world’s largest employers, the O’Brien-Zuckerman administration has charted one of the most defining and positive chapters in Teamsters history.

Next, Sean shares with the audience the Union's contract campaign with their 10,000 Teamsters aviation maintenance technicians (AMTs). They're fighting for a fair contract with United, who raked in over $4 billion dollars in profits last year, but is lowballing the Teamsters at the bargaining table.
At the same time, the airline wants to outsource maintenance to communist China and South America.
Sean explains how United Airlines Teamsters are ensuring safety in the skies, and that Teamster members will not accept anything less than a strong new contract with the industry-leading wages and job protections they have earned.

Lastly, Leslie and Sean discuss how, following a credible strike threat, more than 1,000 newly organized drivers and warehouse workers at United Natural Foods Inc. (UNFI) in Florida, Georgia, and Illinois have ratified their first Teamsters contracts.
Represented by Teamsters Locals 26, 79, 728, and 769, UNFI workers have secured agreements that deliver significant wage increases, improved benefits, and a defined benefit pension plan. 

Founded in 1903, the International Brotherhood of Teamsters represents 1.3 million hardworking people in the U.S., Canada, and Puerto Rico. Visit www.Teamster.org for more information. Follow them on X and Instagram, where their handle is @Teamsters, and “like” them on Facebook at www.Facebook.com/Teamsters.
Sean's handle on X is @TeamsterSOB. 

Teamsters President Talks United Airlines Contract Campaign and First UNFI Agreement

Shaping Tomorrow celebrates the people, their stories and successes in our industry. In this month's episode, we meet the team that worked on the challenge of merging various pensions schemes together for the Volvo Group.

Shaping Tomorrow EP03: collaboration drives success

Today's guest is John Arnold—the former Enron wunderkind turned billionaire philanthropist who's determined to hack America's most expensive and least accountable public sector systems in areas such as criminal justice, education, and pensions. (Fun fact: He was once called "the most hated man in pensionland" by Governing magazine due to his reform efforts.)

Reason's Nick Gillespie and Arnold talk about why public pensions are so out of control and how to fix them; how Medicare squeezes billions of unnecessary dollars out of taxpayers; and how Enron scammed its investors not despite regulations but in full view of them. And they discuss why, despite all the country's problems, Arnold is still betting on America to get better, not worse.

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John Arnold: Government Can’t Be Trusted To Fix Any Problems

Shaping Tomorrow celebrates the people, their stories and successes in our industry. In this month's episode, we discuss the effects of the political turmoil surrounding sustainability. 

Shaping Tomorrow EP04: strength in sustainability

This month host Clare Routledge welcomes Alison Coulson to reflect on her mixed experiences of trying to claim death benefits from her late husband's various different pension providers. Clare is then joined by fellow Vidett Trustees Curtis Mitchell and Shaun Kilcoyne, who work across defined benefit (DB) and defined contribution (DC) schemes as well as our Life Assurance Master Trust team, to understand how we can use these important learnings going forwards.

Shaping Tomorrow EP05 - Death and pensions: easing the process after passing

What really happens when one spouse passes away? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray break down one of retirement’s most difficult—but essential—topics: preparing financially and legally for the loss of a spouse.

You’ll learn:

- The must-have estate documents (wills, trusts, powers of attorney, and healthcare directives)

- The “pour-over” provision that helps families avoid probate nightmares

- How Social Security, pensions, and taxes change for a surviving spouse

- Why compensation clauses and unclear distribution instructions can tear families apart

- Steps to protect income, minimize taxes, and create a smooth transition

Planning ahead means your spouse and children are cared for—and your legacy is preserved without unnecessary stress or conflict.

👉 Listen now and discover how math-based planning can give you and your loved ones peace of mind. 

Learn more at https://deckerretirementplanning.com/

We are financial advisors, not attorneys. Always speak to a qualified attorney for legal advice. 

Planning for Surviving Spouses: Estate Documents, Income Shifts, and Avoiding Costly Mistakes | Episode 138

Shaping Tomorrow celebrates the people, their stories and successes in our industry. Tune in as we explore the relationships, ideas, discoveries and innovations that help make great things happen.

Marxist analysis of current events and scientific socialist theoretical insights from the CPGB-ML. Get educated and get organised!

We're Carlow & Kilkenny's number one radio station with over 81,000 adult listeners every week. Catch up in full online at kclr96fm.com.

Founded in 1968, Reason is the planet's leading source of news, politics, and culture from a libertarian perspective. Our podcast offerings include:

The Reason Roundtable
Every Monday, the libertarian editors of the magazine of “Free Minds and Free Markets”—Matt Welch, Nick Gillespie, Katherine Mangu-Ward, and Peter Suderman—discuss and debate the week’s biggest stories and what fresh hell awaits us all.

The Reason Interview with Nick Gillespie
Want to know what comes next in politics, culture, and libertarian ideas? Reason’s Nick Gillespie hosts relentlessly interesting interviews with the activists, artists, authors, entrepreneurs, newsmakers, and politicians who are defining the 21st century.

The Soho Forum Debates
Reason presents a libertarian-themed debate series recorded monthly before a live audience in New York City. Moderated by former Barron's Economics Editor Gene Epstein, the Soho Forum features Nobel prize winners, radical thinkers, and other public intellectuals facing off over the future of bitcoin, veganism, sex work, illegal drugs, electric vehicles, abortion, robotics, government debt, and other controversial topics.

Safer Retirement Radio is where you can get the transparency you deserve®. Whether you are currently retired or plan to retire soon, this show is full of retirement tips that can help you get thousands of extra dollars in and out of your retirement.



Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP®️ certification mark, the CERTIFIED FINANCIAL PLANNER™️ certification mark, and the CFP®️ certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The best progressive talk right here, on demand. Always Progressive, Always On!

Investment Uncut is a podcast about investing. In each episode, hosts Mary Spencer, Laetitia Anstee-Parry and Jacob Shah are joined by guests to cut through the noise in the world of investing, bringing clarity to your investment decisions. LCP’s investment team advise large institutional investors including pension funds with billions of pounds of assets under management. 

Look out for new episodes every other Wednesday.

New tracks tagged #pensions