Tag Archives: Investment

When will we ever learn?


  There are no short-cuts in pensions, there are no silver bullets, easy answers, no lottery wins, no free alpha. There’s just a lot of hard saving backed up by good governance , cost control and sound investment strategy. Pete Seeger, … Continue reading

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Good news from the Regulators


          It has been an important week for the regulation of workplace pensions. Not only have the DWP published the rules that govern workplace pensions qualifying to be used for auto-enrolment, but the FCA  published – … Continue reading

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Can we afford financial services in times of austerity?


  Thomas Philippon , the celebrated economist, gave a lecture on Tuesday Morning as part of London University’s Leading Minds series. The gist of his talk is that the cost of financial services (the collective name for everyone who is an … Continue reading

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Protecting against losses is not the same as generating a profit – guest blog from Ralph Frank


  The Swiss National Bank’s (“SNB’s”) decision to abandon the currency ceiling of the Franc relative to the Euro has drawn attention to risk management and hedging. The losers from the SNB’s actions, including retail leveraged trading platforms, investment banks … Continue reading

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When all else fails – keep on working!


Jeroen Wilbronk is a really good bloke, but I always end up disagreeing with him. He’s one of these smart-arse markets people who has an answer for everytyhing! I’ve known him a few years and have always envied his sunny … Continue reading

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Governance on parade – why we must show leadership.


From this year, insurance companies must create both internal and external controls to ensure they carry out the responsibilities they are taking on when helping us save and spend our pension pots. Yesterday afternoon I spent time with insurers and … Continue reading

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It’s not pensions that are rubbish- it’s the way we picture them


    I spent some time last week expressing my dis-satisfaction  with the DC Governance and the irrelevance of most DC trustees. It is easy to throw stones…. What is also needed is someone to mend the greenhouse to make … Continue reading

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Disclosing costs – we are almost there!


The Financial Services Consumer Panel have issued a damning condemnation on the £5tr British Funds Industry for failing to tell people what they are paying for and how much they are paying when they invest their money in British Funds. … Continue reading

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BRITAIN’S BIGGEST TABOOS: 20 MILLION PEOPLE STRESSED ABOUT FINANCES, YET TALKING ABOUT MONEY REMAINS OFF LIMITS


I don’t normally do press releases on here, I will make an exception here. People are embarrassed about money – when it’s their money they are talking about. The taboos about debt, wealth and financial planning are real and we need … Continue reading

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Pensions are yours to spend – but how do you get to the shops?


Ours to spend! If I were to give you £100,000 and tell you that that was to bide you over to the end of your life you might initially be excited – you might then become apprehensive and you might … Continue reading

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