Tag Archives: Investment

Time for an upgrade?


The fireworks came from the Treasury but amidst the noise and smoke, the DWP’s Command Paper, poses some challenges for many of the 10,000 employers who’ve staged auto-enrolment. By April 2015, we can expect workplace pensions qualifying to be used … Continue reading

Posted in advice gap, auto-enrolment, customer service, dc pensions, pension playpen | Tagged , , , , , , , , , , , | Leave a comment

PQM – under new management, deserves a second chance


  News that Adrian Boulding has taken the chair at the Pension Quality Mark and that its new MD is crack Kiwi-saver Justine Tate, roused me to re-engage with a venture I had thought as much use as a chocolate … Continue reading

Posted in advice gap, auto-enrolment, dc pensions, pension playpen, pensions, Retirement | Tagged , , , , , , , , , , , , , , | Leave a comment

People aren’t stupid- our products are!


I’m taking this comment out of comment so I won’t mention it’s source- it appears on a pensions website and is made by a leading actuary. Our challenge is to find a way to redress the balance and help them … Continue reading

Posted in annuity, Financial Education, First Actuarial, pensions | Tagged , , , , , , , , , , , , , , | Leave a comment

“Better workplace pensions – further measures for savers”


Recognise the title? It’s what the DWP chose to call their Command Paper on charges. This paper is not a justification for a charge cap, it’s a new framework for DC pension governance. It’s gone un-noticed but only one chapter … Continue reading

Posted in advice gap, corporate governance, First Actuarial, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

“What’s it like to be retired?”


It could be the trending chant at any event that Alex Ferguson turns up to – a taunt to a man who having lost control has seen slump into mundanity in a few short months. Financial wellbeing in later life … Continue reading

Posted in annuity, auto-enrolment, Bankers, Facebook, Financial Education, First Actuarial, pension playpen, pensions, Popcorn Pensions, Public sector pensions, steve webb | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Why clever people don’t do jargon


  I think the best actuaries are hard to spot, you wouldn’t know they were actuaries. The same goes for the best investment managers. Last night I had dinner with Eve Finn and a table full of Legal & General … Continue reading

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

Why the ABI are so wrong about CDC -guest blog from K. Wesbroom (m.genius)


This blog was first published on mallowstreet by the inimitable Kevin Wesbroom, whose bouffe is only matched by Ros Altmann’s and whose intellect is matched only by his integrity. Think big – think Kevin!   CDC – the case Against … Continue reading

Posted in actuaries, advice gap, CDC | Tagged , , , , , , , , | 10 Comments

CDC for the people


The debate on Collective Defined Benefit has so far been a matter for politicians , academics and actuaries. Most people haven’t a clue what CDC is or how it might benefit or harm their retirements. I’ve been trying to broaden … Continue reading

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

Let’s fix broken pensions, not start again.


The answer lies in doing things better, not doing things new Continue reading

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

Exploring the cost of ownership – Guest blog from Dr Chris Sier


Introduction The pension fund value chain is overly complex, costly and completely opaque to the end consumer. The Kay Review of UK Equity Markets and Long-term Decision-making (2013) highlighted this. In fact, the total cost of owning (TCO) a pension … Continue reading

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