Tag Archives: Funds

Why the IMA are so wrong about fund research.


  There had been signs that the Investment Management Association (IMA) was at last coming to terms with the needs of consumers and those who advise them to reveal the cost of owning their funds. In May , Daniel Godfrey- its … Continue reading

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Business relies on transparency – it’s time platform managers come clean


General principles Buying low and selling higher is the basis of all commerce. Intelligent purchasers seek to cut out intermediaries to buy direct. Smart intermediaries use their financial muscle to bulk-purchase, getting a better price than a single purchaser can … Continue reading

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Fundless fund platforms?


Over the past fifteen years, new technology has brought us the fund platform, open architecture and unlimited choice. It has not brought us good fund governance and that’s what’s round the corner. But we are about to find that the … Continue reading

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“We don’t know what we’re doing”!


To the average fan it is not the fans or player or clubs that bring the game into disrepute it is the referee – hence the chants the politest of which is “you don’t know what you’re doing”. But it’s never that simple. What … Continue reading

Posted in actuaries, advice gap, auto-enrolment | Tagged , , , , , , , | 1 Comment

Why target date funds have been slow to catch on


with all the headwinds in the favour of TDFs and against Lifestyle it’s hard to see why insurers aren’t switching to TDFs Continue reading

Posted in actuaries, advice gap, annuity, auto-enrolment, governance, investment | Tagged , , , , , , , | 2 Comments

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

Those Dutch pension cuts in full!


Final figures from the Dutch central bank DNB show a total of 66 Dutch pension funds have been forced to curtail pensions due to funding shortfalls. Continue reading

Posted in actuaries, Bankers, pensions | Tagged , , , , , , , | 11 Comments

An encouraging tale of choice


I feel more enthusiastic about the investment section of the about to be launched http://www.pensionplaypen.com than any other. Continue reading

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Helping companies take decisions on pensions


One of the first thing you are taught at sales school is to “sell not tell”. Selling people an idea is about planting and nurturing an idea, not marching customers to the check-out desk. When it comes to taking a … Continue reading

Posted in pensions, Popcorn Pensions, Retirement | Tagged , , , , , , , | 4 Comments

All that glitters does not lure – thoughts on DC default funds.


“I asked him, ‘My God, they’re purple and green. Do fish really take these lures?’And he said, ‘Mister, I don’t sell to fish.’ Continue reading

Posted in auto-enrolment, CDC, dc pensions, fish, governance, investment, pensions | Tagged , , , , , , , | 3 Comments