Category Archives: defined aspiration

Do consumers benefit from risk-based pricing?


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

Those Dutch Pensions – a Civil Servant writes


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

Working for the clampdown?


“what are we going to do now?” Joe Strummer asked in 1979. Are we still working for the Clampdown? Continue reading

Posted in actuaries, auto-enrolment, CDC, club pension, de-risking, defined aspiration, Financial Education, First Actuarial, pensions, Retirement | Tagged , , , , , , , , | 5 Comments

All we are saying – give DA a chance!


“Possible easements for employers providing good pension schemes” Continue reading

Posted in actuaries, auto-enrolment, dc pensions, defined aspiration, pension playpen, steve webb | Tagged , , , , , , , | 3 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

When pensions de-mutualise


When you take the mutuality out of pensions , you take good pensions out of mutuals. Continue reading

Posted in actuaries, auto-enrolment, de-risking, defined aspiration, Financial Education, First Actuarial, John lewis, Liability Driven Investment, Management, pensions | Tagged , , , , , , , | 6 Comments

Bill – get some DC resource into the Regulator now!


Bill, t tPR need a gong-worthy head of DC asap. Continue reading

Posted in actuaries, auto-enrolment, dc pensions, de-risking, defined aspiration, NEST, pensions, Retirement | Tagged , , , , , , , | 12 Comments

Better ways to diversify the default.


When people see the jigsaw being put together , we may even get better public confidence in workplace pension schemes – something devoutly to be hoped for! Continue reading

Posted in actuaries, David Pitt-Watson, dc pensions, de-risking, defined aspiration, Financial Education, First Actuarial, leadership, NEST, pensions | Tagged , , , , , , , | 9 Comments

Pension agnostic?


An ”agnostic“ is someone who knows he cannot know and so gives up trying to find out. You hear the phrase “pension agnostic” bandied around at the moment, mainly from the providers of ancillary services that help companies auto-enrol. If you key … Continue reading

Posted in actuaries, Consolation, corporate governance, dc pensions, defined aspiration, Fiduciary Management, Financial Education, First Actuarial, hargreaves lansdowne, pension playpen, pensions, Retirement | Tagged , , , , , , , | 7 Comments

Light in the lifestyle tunnel!


The way in which your DC pot magically turns from investing in shares to investing in cash and Government bonds is called lifestyle and it involves hundreds of transactions in 60+ months before you buy your pension. All of these transactions involve … Continue reading

Posted in actuaries, dc pensions, defined aspiration, First Actuarial, governance, Henry Tapper blog, life insurance, NEST, pensions, target date funds | Tagged , , , , , , , | 4 Comments