Latest articles from Darren Philp

Pensions tax relief needs reform, but it should start from the top

Darren Philp

Smart Pension’s Darren Philp explains why the government should first define what the desired outcomes of a pensions tax relief system are before making further changes to the current system.

It is time to introduce a flat rate of tax relief

Darren Philp

Darren Philp of mastertrust the People's Pension says the current system of tax relief is unfair on basic-rate tax payers, and argues that moving to a top-up system will provide an essential behavioural nudge.

Post-retirement defaults are key to better outcomes

Darren Philp

Darren Philp of The People's Pension says the industry must continue to innovate and look at how high quality defaults can stop people sleepwalking into a poorer retirement.

Bring the self-employed in from the cold

Darren Philp

The self-employed need stronger incentives to save if they are to avoid being 'underpensioned', says Darren Philp from the People's Pension.