Tag Archives: ageing

TLAs, the FCA, IGCs & TCF. WTF?


  This blog is by Ralph Frank   The financial services industry excels at producing Three Letter Acronyms (“TLAs”). One TLA that is likely to become an established part of pension lexicon is ‘IGC’. Independent Governance Committees (“IGCs”) are governance … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , , , , , , , | Leave a comment

What is better than sport?- nothing (apart from one thing)


Five a side Rockets v the Incredibles. Rockets move to within three points in the Rocks Lane 5 a side league *U14* after a fab 9-4 win, Fleetwood 2 v Yeovil Town 2. YTFC give a way a 2-0 lead in … Continue reading

Posted in pension playpen, social media | Tagged , , | 4 Comments

Is DB Bankrupt?


Sept 2nd -St Stephens Club- Nick Spencer, GAM’s supremo makes startling assertion “DB is bankrupt” no investment strategy can return the typical DB plan to solvency. Sept 6th- Pension Playpen Lunch in Cornhill- 14 pension professionals sit down to discuss the issue over a pint … Continue reading

| Tagged , , , , , , | Leave a comment

The new consensus on when we can retire


It is only a matter of time for sponsors to have their Damascan moment and suggest to their trustees that a flexible retirement age is equally applicable to working practices and the payment of pensions Continue reading

Posted in pensions | Tagged , , , , , , | 1 Comment

Putting clients first- First Actuarial


You can’t get people lower down the corporate food chain to “treat customers fairly” if the customers aren’t the first priority of the people at the top.

Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , | Leave a comment

We need to do something about annuities


There is something fundamentally wrong with the annuity market that needs to be fixed Continue reading

Posted in dc pensions | Tagged , , , , , , , , , , , , | 2 Comments

The CEO and the janitor


They don’t get it, they don’t trust you, they think you are pulling the wool over their eyes. Continue reading

Posted in pensions, Retirement | Tagged , , , , , , , , , , , , | 3 Comments

Why do some workforces accept DB pension closure and some strike?


The members I spoke to …were not happy but at least they understood the corporate dilemma. It seems that over time they have reached a consensus that it is in their long-term collective interest to accept the proposed changes and move on without unrest.

Continue reading

Posted in de-risking, Liability Driven Investment, pensions | Tagged , , , , , , , , | 5 Comments

Delivering a pension


The ordinary member of a pension scheme will not be aware of Liability Driven Investment, however he or she is acutely aware that their pension may be at risk. Continue reading

Posted in de-risking, Liability Driven Investment | Tagged , , , , , , , , | Leave a comment

Public sector pensions- who cares?


You don’t think public sector pension decisions matter? Take a look at your council tax bill -these things are bcoming second mortgages to many of us!

Continue reading

Posted in Retirement | Tagged , , , , , , , , , , , , , | 4 Comments