Tag Archives: annuity

CDC- your questions answered – by legal eagles


    We’ve been waiting for a decent CDC article from the legal eagles ; thanks to Norton Rose , we now have one and  they are happy to let us share it. So here it is – minus the … Continue reading

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How retirement products evolve (and revolve).


  There are three drivers that shape the evolution of financial products – supply, demand and Government intervention. Between the mid 80s and today Britain has seen a Financial Services Revolution that has been no less dramatic than the agrarian … Continue reading

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Note to @stevewebb1 – My Pot can follow me to CDC.


John Ralfe, at a City seminar claimed there was no appetite for CDC either among employers or among members of pension schemes. Well I disagree; the people I talk to who are not in pensions say they want change- new … Continue reading

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Providers cherry picking pension customers? Whatever next!


Money Marketing is reporting that insurers are cherry picking the workplace pensions they take on . That this is news says a lot for the appalling lack of underwriting applied by insurers to the pricing of new business in this market over … Continue reading

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Where have April stagers gone?


Will auto-enrolment flower or blow up? NEST and other providers say the expected flow of April stagers has failed to materialise, raising concerns of widespread flouting of the law by employers. Now Standard Life is calling on the Regulator to … Continue reading

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This country needs a proper debate about old age


Do we understand  how people want to get paid in retirement? Yesterday I wrote about the American 401K system and the risks taken by people who become too cautious as they become older. The value judgements implicit in the report … Continue reading

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A great way to deliver the Guidance Guarantee (for the right employer)


Josh Collins   In recent weeks, I’ve been taking the temperature of the pension trustees of large employers and found that enthusiasm for providing guidance to employees at retirement is limited. This is understandable. Do trustees want to become surrogate … Continue reading

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“Something will turn up” – the Pensions PlayPen Lunch 12th May


Something usually turns up at a Pension PlayPen lunch. At yesterday’s lunch I had to wait till injury time to get my Eureka moment and it came from a first time luncher – Chris Radford. Chris’ contention was that when … Continue reading

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Call in for a Great British Pension


    The initial euphoria following the 2014 “pensions bombshell” budget may have died away, but in it’s place we are seeing real progress towards a better deal for those spending their pension pots.   Work is concentrating on two … Continue reading

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“Ring out the old – ring in the new”- who will be our investment fiduciaries in retirement?


Yesterday I went to the Schroders DC Challenge conference which was all about “delivering value and certainty” to retirement savers. I left enlightened by some interesting debates and one or two talks. I’ll share with you three observations that I … Continue reading

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