It's the same every year. The frantic build-up. The hive of activity, with people running around planning and preparing. Making lists, checking things off. And then the dawning of the big day itself, with the anticipation of what may come. The pleasure of unwrapping and peeking inside, only to be disappointed once again that no-one really listened to you when you told them what was needed.
Another Christmas, another government consultation. This one issued a couple of weeks before, to give us something to read with the turkey and mince pies. It was the turn of the DWP this time with its enthralling 164 page read entitled Personal accounts: a new way to save. This sets out how the Government sees personal accounts working in practice from 2012. The headline news was that it has decided to go with a centralised delivery model for personal accounts. We at Aegon lobbied for the ‘branded provider model’ (or at least a variant of it) as we believed – and still do- this would ha...
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