Category Archives: Personal Accounts

A method to chose your workplace pension scheme.

Posted on April 16, 2013 by

I’d value your feedback on a scoring system we are developing which aims to provide employers with a method of rating one pension proposition against another. We want it used by employers looking to establish a new workplace scheme, and those who … Continue reading →

Posted in actuaries, auto-enrolment, Change, customer service, dc pensions, First Actuarial, Payroll, pensions, Personal Accounts, social media | Tagged , , , , , , , | 13 Comments

Give a straight red to active member discounts

Posted on March 30, 2013 by

What are active member discounts (AMDs) and what’s so wrong with them? Continue reading →

Posted in auto-enrolment, brand, dc pensions, Fiduciary Management, pensions, Personal Accounts, Popcorn Pensions | Tagged , , , , , , , | 14 Comments

Johnson v Keating ; a pensions heavyweight title fight

Posted on February 4, 2013 by

There are two documents sitting on my desktop this morning. The first is a paper by Con Keating. Con believes that the best way of providing pensions is collectively through large organisations who are able to offer and keep future … Continue reading →

Posted in actuaries, auto-enrolment, David Pitt-Watson, dc pensions, de-risking, defined aspiration, pension playpen, pensions, Personal Accounts, Personality | Tagged , , , , , , , | 1 Comment

DC Trustees – asleep at the wheel?

Posted on February 3, 2013 by

I was spending insomniac hours reading posts about savings on http://www.moneysavingexpert.com when I came upon a thread about the ABI 14 agreeing to disclose transactional costs from next summer. There wasn’t much on the comments board – one post stood out. … Continue reading →

Posted in actuaries, corporate governance, David Pitt-Watson, dc pensions, First Actuarial, Management, NEST, pension playpen, pensions, Personal Accounts | Tagged , , , , , , , | 4 Comments

NEST Insight; what the 11m+ “unpensioned” think.

Posted on January 31, 2013 by

NEST has produced a chunky report that “takes the temperature of automatic enrolment”. This promises to be the first of a series and as the first has five years of accumulated insights to lay before us. I thoroughly recommend it … Continue reading →

Posted in auto-enrolment, corporate governance, customer service, David Pitt-Watson, First Actuarial, leadership, Liberal Democrats, napf, NEST, Payroll, pensions, Personal Accounts, Retirement | Tagged , , , , , , , | 8 Comments

Why the DC “game is up” for the active fund managers

Posted on November 24, 2012 by

Like landed salmon , they flap around on the bank, hoping they may get thrown back in the water. Continue reading →

Posted in auto-enrolment, corporate governance, dc pensions, de-risking, infrastucture, Management, pensions, Personal Accounts | Tagged , , , , , , , , , , , | 9 Comments

Whose risk is it anyway?

Posted on November 17, 2012 by

The Government wants us to think about pension risk sharing… To consider how much responsibility we can take for our own financial welfare when we’re really old. To consider what our employers can do to help And consider (which they talk of quietly)  … Continue reading →

Posted in actuaries, auto-enrolment, dc pensions, de-risking, defined aspiration, economics, pensions, Personal Accounts, Retirement | 5 Comments

NESToration – go boom in that Euro room!

Posted on November 14, 2012 by

If NEST had been a person Amnesty would have registered it a political prisoner. Continue reading →

Posted in Australia, Change, NEST, pension playpen, pensions, Personal Accounts, Retirement | Tagged , , , | 1 Comment

More cobblers from investment experts on DC pensions

Posted on October 31, 2012 by

I am afraid I have to report yet more moronic thinking from the investment community showing their  disconnect with the ways and means of everyday folk. Example one is from Lyxor, who used to be called Societe Generale until they screwed … Continue reading →

Posted in auto-enrolment, Bankers, club pension, Consolation, dc pensions, defined aspiration, happiness, Liability Driven Investment, mallowstreet, NEST, pension playpen, pensions, Personal Accounts, Public sector pensions, with-profits | Tagged , , , , , , , | 7 Comments

Why we need to say “NO” to pension guarantees!

Posted on October 25, 2012 by

On Monday the Institute and Faculty of Actuaries delivered a paper stating that it would be able to deliver a system of lock-in guarantees at a price of less than 1% pa of the fund that could be used by … Continue reading →

Posted in actuaries, annuity, auto-enrolment, Bankers, club pension, corporate governance, customer service, David Pitt-Watson, dc pensions, defined aspiration, EU Solvency II, FSA, happiness, Liability Driven Investment, NEST, pension playpen, pensions, Personal Accounts, Retirement | Tagged , , , , , , , | 15 Comments