Category Archives: dc pensions

The true and fair way to “cost” your investments

Posted on May 23, 2013 by

This machine will increase competition, drive out inefficiencies and increase respect for managers (with an eye to costs ) Continue reading →

Posted in auto-enrolment, brand, Change, dc pensions, Financial Education, First Actuarial, hargreaves lansdowne, hedge funds, pensions | Tagged , , , , , , , | Leave a comment

“Fit lean pension machines” – an uncomfortable prospect?

Posted on May 21, 2013 by

We move into day two of auto-enrolment with all to play for on a pitch increasingly likely to take spin Continue reading →

Posted in advice gap, auto-enrolment, Bankers, dc pensions, EU Solvency II, pensions | Tagged , , , , , , , | 1 Comment

Do consumers benefit from risk-based pricing?

Posted on May 15, 2013 by

may be wrong, the idea put up by John Raven, that a risk-based system delivers more may be right, but intuitively I sense we are moving to a more pooled approach to pricing. Continue reading →

Posted in actuaries, dc pensions, defined aspiration, NEST, Popcorn Pensions | Tagged , , , , , , , | 4 Comments

Into the heart of darkness – ooops Midlothian!

Posted on May 13, 2013 by

Let’s hope he gets a great turnout and that we have as lively a debate as ever Continue reading →

Posted in auto-enrolment, dc pensions, Henry Tapper blog, pensions, Personality, steve webb | Tagged , , , , , , , | 1 Comment

Debunking the RSA myth that Dutch CDC provide better outcomes

Posted on May 5, 2013 by

I’ve received this open letter from John Lawson (he of Aviva) which I print in full. Dear Henry, I have mentioned before the folly of relying on the RSA for any rigorous analysis. The RSA is a political construct, not a … Continue reading →

Posted in actuaries, advice gap, CDC, dc pensions, governance, pensions | Tagged , , , , , , , | 2 Comments

Those Dutch Pensions – a Civil Servant writes

Posted on May 4, 2013 by

I get some feedback on my blogs from people I know who don’t want to or aren’t allowed to go public. Here’s an example from a formidable figure and a personal friend (who I know/hope has the skin or a rhino … Continue reading →

Posted in actuaries, auto-enrolment, David Pitt-Watson, dc pensions, de-risking, defined aspiration, First Actuarial, governance, pension playpen, pensions | Tagged , , , , , , , | 8 Comments

The “advice gap” can and will be filled

Posted on May 2, 2013 by

The advice gap left by the banning of commission can and will be filled Continue reading →

Posted in actuaries, advice gap, auto-enrolment, dc pensions, pension playpen, pensions | Tagged , , , , , , , | 1 Comment

An encouraging tale of choice

Posted on April 25, 2013 by

I feel more enthusiastic about the investment section of the about to be launched http://www.pensionplaypen.com than any other. Continue reading →

Posted in dc pensions, investment, ISA, pensions | Tagged , , , , , , , | 3 Comments

The sins of the past

Posted on April 22, 2013 by

We have concentrated our thinking on how the financial services industry will cope with the new business strain of auto-enrolment. For many providers the bigger issue will be the impact on its existing business. Continue reading →

Posted in auto-enrolment, customer service, dc pensions, Popcorn Pensions, Retirement | Tagged , , , , , , , | 3 Comments

All that glitters does not lure – thoughts on DC default funds.

Posted on April 21, 2013 by

“I asked him, ‘My God, they’re purple and green. Do fish really take these lures?’And he said, ‘Mister, I don’t sell to fish.’ Continue reading →

Posted in auto-enrolment, CDC, dc pensions, fish, governance, investment, pensions | Tagged , , , , , , , | 3 Comments