Tag Archives: Investment

How do you compare pension default funds?


    An old colleague contacted me yesterday with a simple (but great) question. “how do you compare pension default funds”. I can speak on this for First Actuarial, who provide the investment ratings on default funds for the Pension … Continue reading

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“We all defer together?” – Guest Blog from Ralph Frank


The recently announced consultation on pensions tax relief has stirred up thought and debate on the issue of incentivising long-term saving.  There are theoretical, commercial and practical aspects to be addressed in this process of defining an approach to pensions … Continue reading

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This scaremongering on auto-enrolment has to stop!


Scaremongering Scaremongering sells newspapers and we love to be afraid. It is easy to write stories that play on our fears, because they are the ones we want to read. But that doesn’t make scaremongering alright, just as it doesn’t … Continue reading

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Free to overpay tax?? – what kind of freedom is that?


Question – when is a freedom a pension freedom? Answer- when its got a big tax-bill attached! The pensions minister Ros Altmann has said the government’s proposals to tax pensions in a similar way to individual savings accounts could be … Continue reading

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In the long run…… (guest blog from Ralph Frank)


There is a widely-held view that the longer the holding period for an investment, the more volatile the asset that can be invested in.  There seems to be two beliefs contributing to this headline view: The more volatile the price … Continue reading

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High risk, medium risk , low risk? No idea! Guest blog from Ralph Frank


How many times have you been asked whether you have a high, medium or low risk tolerance?  Perhaps the question has been phrased differently, testing if you are an aggressive, moderate or conservative investor? You might even have had your … Continue reading

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I smell a (pensions) rat – what can I do?


An advert appeared yesterday on the Pension Play Pen Linked In Group.. If you’re in our Group, you can see it here The organisation – Save My Pension is offering a “route to market” with the message from its Director Danny Smith  … Continue reading

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Are managers delivering on investors’ expectations? Guest blog from Ralph Frank


  An investor appoints an active manager in the hope that this manager will outperform the agreed benchmark by a specified amount within an agreed risk tolerance.  Assessing whether the manager has delivered on this expectation should be relatively straightforward.  … Continue reading

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What’s the cost of choice?


I and my colleagues are fascinated by financial decisions; who to take out your mortgage with, who to bank with, which ISA to choose and which pension scheme to select for your staff. Which , Money Saving Expert and the … Continue reading

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What’s inside the wrapper’s – what matters! Guest blog from Ralph Frank


  I often find myself bemused, and/or confused, when I see investment portfolios specified in terms of product wrappers (e.g. unit trusts, exchange traded funds, structured notes etc.) instead of the underlying investments (e.g. equities, bonds etc.).  The underlying investments, … Continue reading

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