Category Archives: annuity

Opt in to certainty


My partner has come up with a very simple way to improve DC. Her suggestion is this. Large DC plans simply set a level of pension they can afford to pay from the funds within the plan and this is … Continue reading

Posted in annuity, David Pitt-Watson, dc pensions, economics, pensions | 3 Comments

Why target date funds have been slow to catch on


with all the headwinds in the favour of TDFs and against Lifestyle it’s hard to see why insurers aren’t switching to TDFs Continue reading

Posted in actuaries, advice gap, annuity, auto-enrolment, governance, investment | Tagged , , , , , , , | 1 Comment

Replacing the financial salesman in the workplace.


Auto-enrolment killed this kind of adviser as video killed the radio star. Continue reading

Posted in advice gap, annuity, auto-enrolment, Payroll, pensions | Tagged , , , , , , , | 12 Comments

Has Webb scotch’d the commission snake – or killed it?


All the advisers needed to do was to make promises. They did not have to keep them. Continue reading

Posted in annuity, Fred Goodwin, pension playpen, pensions, poetry, Treasury | Tagged , , , , , , , | 8 Comments

Steve Webb’s water-cooler moment


“You learn what they care about, what they understand and what they don’t. And you can join in. But what you can’t do, is take charge.” Continue reading

Posted in actuaries, annuity, pension playpen, pensions, social media | Tagged , , , , , , , | 10 Comments

Pensions; holy grail or wholly fail?


The least we can do is to try and make life a little easier for them, than it has been for us! Continue reading

Posted in annuity, auto-enrolment, de-risking, FSA, Henry Tapper blog, pension playpen, pensions, Personality, smelly | Tagged , , , , , , , | 8 Comments

“Stick or twist” for the lifecos.


It is hard for the insurers to twist because they think the dealer’s against them. Continue reading

Posted in annuity, auto-enrolment, customer service, David Pitt-Watson, dc pensions, EU Solvency II, Financial Education, Henry Tapper blog, pension playpen, pensions, Personality, Popcorn Pensions, Retail Distribution Review, Retirement, social media | Tagged , , , , , , , | 21 Comments

This is no country for old women


I haven’t been a great fan of academic pensions research or researchers for that matter. The research is typically a big whinge about people not getting a fair deal, the researchers comfortably cocooned in university sponsored sinecures or pensions. So I … Continue reading

Posted in actuaries, annuity, pensions | Tagged , , , , , , , , , , , , , , , , | 5 Comments

DC4Good; ABdc and the Pension Trust get it.


  DC just took a little step forward… Here’s AllianceBernstein‘s press release (with the flim-flam deleted and my comments in blue) AllianceBernstein has launched a range of ethical target date funds for the  UK DC market.   Good news, we all know that … Continue reading

Posted in actuaries, annuity, corporate governance, dc pensions, defined aspiration, pensions, target date funds | Tagged , , , , , , , | 3 Comments