Tag Archives: dc pensions

Who’s risk is it anyway? How Canada and Britain are dumping pension risk


I’m off to Manhattan to talk to a couple of hundred Canadian pension experts. This is broadly what is going to be said, I’ll be sharing the stage with a couple of Canadian pension experts and (if you open the presentation), … Continue reading

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The cost of auto-enrolment


  Charlotte Clark – one of the architects of auto-enrolment and now head of private pensions in the DPW – is an economist. She is familiar with cost having worked in a corresponding position in the Treasury and it was … Continue reading

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IFAs and actuaries – as easy as “A Cap B”.


For half of the 30 years I’ve been advising people, I was paid by private individuals to help them take difficult financial decisions. For the other half, I’ve been paid by employers to help their staff take difficult decisions. This … Continue reading

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Consistency and Simplicity (guest blog – Ralph Frank)


  The current UK pension taxation regime gives preferential treatment to Defined Benefit (“DB”) savers relative to Defined Contribution (“DC”) savers at both theAnnual Allowance (“AA”) and Lifetime Allowance (“LA”) levels.  The current taxation system is overly complex, with two … Continue reading

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Whose risk is it anyway?


No matter how we look at it – we do not- and will not- live in a command economy. That means we have to take decisions for ourselves rather than be told how to live our lives. If you want … Continue reading

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“I’m afraid we had no answers.. good luck! ..-..Steve.”


“Where are all the pension people?” Asked an accountant at #Accountex15 on Thursday. They were elsewhere listening to Steve Webb and Gregg McClymont looking back at the last five years, a neat metaphor for the pensions industry as another accountant pointed … Continue reading

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The tone from the top


Take a close look at the photo above, it’s taken from a Morningstar conference yesterday. The gentleman on the left is asking the question, the women on the right are listening and the gents on the right – well – they’re … Continue reading

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For Ros Altmann, the best is yet to come.


Ros Altmann is our new pension minister, this is unequivocally good news. For years people have been poking fun at Ros Altmann for her claims to be a Government Advisor. Between 2001 and 2005 she was an advisor to no … Continue reading

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Important days for pensions


David Cameron will be announcing his new cabinet members and more junior ministers this week. Those of us who work in pensions already know that Ian Duncan Smith will remain Minister of State at the DWP, but who will be … Continue reading

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Pension pandemonium within 12 months!


  “F*ck the file” that’s what I say- or what I would say if I wasn’t in an office full of people who live, eat and breathe Excel. I’d like my office to be file-less within 5 years (make that … Continue reading

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