Tag Archives: Legal & General

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

Posted in pension playpen, pensions, Retirement, welfare, with-profits | Tagged , , , , , , , , , , , , | Leave a comment

A democratic way to improve DC investment.


The responsibility for improving DC governance falls on all of us Continue reading

Posted in advice gap, pension playpen, pensions, Popcorn Pensions | Tagged , , , , , , , | 6 Comments

Do consumers benefit from risk-based pricing?


may be wrong, the idea put up by John Raven, that a risk-based system delivers more may be right, but intuitively I sense we are moving to a more pooled approach to pricing. Continue reading

Posted in actuaries, dc pensions, defined aspiration, NEST, Popcorn Pensions | Tagged , , , , , , , | 6 Comments

No learning without doing!


NOTHING that’s precisely how much it will cost you to get an excellent pension plan at less than half the cost of a stakeholder pension. Continue reading

Posted in auto-enrolment, pension playpen, pensions | Tagged , , , , , , , | 17 Comments

Can social media play a part in pension scheme governance?


Are the systems used to offer participating employers a say in the running of mastertrusts or contract based workplace pensions fit for today’s purpose? Continue reading

Posted in auto-enrolment, corporate governance, dc pensions, Facebook, Linkedin, social media, twitter | Tagged , , , , , , , | 15 Comments

“Stick or twist” for the lifecos.


It is hard for the insurers to twist because they think the dealer’s against them. Continue reading

Posted in annuity, auto-enrolment, customer service, David Pitt-Watson, dc pensions, EU Solvency II, Financial Education, Henry Tapper blog, pension playpen, pensions, Personality, Popcorn Pensions, Retail Distribution Review, Retirement, social media | Tagged , , , , , , , | 21 Comments

“What’s expensive for a pension these days?”


Most UK pension people may still agree with you and see 0.9% as cheap but not me. It might have been cheap in 2000 and it certainly isn’t today! Continue reading

Posted in auto-enrolment, brand, corporate governance, customer service, David Pitt-Watson, dc pensions, fish, one pound fish, pensions, Personality, Retirement | Tagged , , , , , , , | 24 Comments

Better ways to diversify the default.


When people see the jigsaw being put together , we may even get better public confidence in workplace pension schemes – something devoutly to be hoped for! Continue reading

Posted in actuaries, David Pitt-Watson, dc pensions, de-risking, defined aspiration, Financial Education, First Actuarial, leadership, NEST, pensions | Tagged , , , , , , , | 9 Comments

It’s a wrap trap – but who’s been caught?


If you thought you were sick of pensions, imagine  the nausea of the life company CEO. If you are such a beast and reading this, you are probably are American or European and your company brought into the UK a few years back … Continue reading

Posted in auto-enrolment, dc pensions, Financial Education, First Actuarial, NEST, pensions | Tagged , , , , , , , | 12 Comments

Light in the lifestyle tunnel!


The way in which your DC pot magically turns from investing in shares to investing in cash and Government bonds is called lifestyle and it involves hundreds of transactions in 60+ months before you buy your pension. All of these transactions involve … Continue reading

Posted in actuaries, dc pensions, defined aspiration, First Actuarial, governance, Henry Tapper blog, life insurance, NEST, pensions, target date funds | Tagged , , , , , , , | 4 Comments