Category Archives: Financial Education

The true and fair way to “cost” your investments


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

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

PlayPen votes for target date funds in action-packed lunch


In one of the noisiest and most passionate lunches we’ve ever had the playpen voted 15-7-3 for TDFs vLifestyle with 3 spoilt votes from the “we don’t do default” gang. This was a lunch where we were pretty well split between … Continue reading

Posted in auto-enrolment, de-risking, Financial Education, pension playpen, pensions | Tagged , , , , , , , | 3 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 , , , , , , , | 20 Comments

Taxpayer subsidy for public service pensions to double over 6 years


This is an article from Michael Johnson. I agree with the numbers but I’m not so sure about the sentiment that lies behind it. As a nation we can afford anything if we chose to prioritise the spending and we … Continue reading

Posted in Financial Education, First Actuarial, pensions, Public sector pensions, Royal Mail, smelly | Tagged , , , , , , , | Leave a comment

Paying as you earn; the best way to save


Monday will see the start of the benefits changes that will climax in the full introduction of the Universal Credit in a year’s time. This is not an article about these changes. But it takes it kicks off from a brilliant … Continue reading

Posted in Change, dc pensions, Financial Education, Martin Lewis, Payroll, pension playpen, pensions, St Paul's, Trades Union Congress, wonga | Tagged , , , , , , , | Leave a comment

Interesting….spin is self-defeating


every time we say one thing and mean another, we are creating distrust in the person who we are talking or writing to Continue reading

Posted in brand, Financial Education, Henry Tapper blog, pension playpen, pensions, Personality, poetry | Tagged , , , , , , , | 7 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

How the banks try to f*ck us – and how we deal with them


It’s Sunday morning and I am reading a poem written around 1936 by Ezra Pound. It is about Usury , in this context the bad practice of the Medici Bank which Pound claimed screwed up the great artistic achievements of medieval … Continue reading

Posted in economics, ezra pound, Fiduciary Management, Financial Education, Fred Goodwin, governance, happiness, pensions, poetry, Popcorn Pensions | Tagged , , , , , , , | Leave a comment