Tag Archives: Life annuity

Standard Life comes up trumps


Four years ago I sat in a crowded room in the DWP’s offices, to hear insurer after insurer refuse to commit to providing a service to small and medium sized companies, let alone the micro employers of which there are … Continue reading

Posted in advice gap, dc pensions, pension playpen, pensions, Retirement, workplace pensions | 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

Think first – sell later


Think first – sell later- a dictum to be followed in the next 12 months Continue reading

Posted in actuaries, advice gap, annuity, Financial Education, pensions | Tagged , , , , , , , , , , , , , | 1 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

Your life for sale – what a liquid annuity market could mean.


Why people like me get cross with him is that he is dangling carrots and waving sticks but the donkey is locked in the stable. To get the animal moving, Steve Webb or his successor is going to have to open the stable door. Continue reading

Posted in annuity, pension playpen, pensions, Retirement, workplace pensions | Tagged , , , , , , , , , , , , , | Leave a comment

There’s nothing stopping SMEs purchasing good pensions


This article plugs the needs for good pension purchasing and argues that both in terms of quality (governance) and quantity (supply) , employers have never had it so good. There is a lot of talk at the moment about DC … Continue reading

Posted in dc pensions, pension playpen, pensions | Tagged , , , , , , , , , , , , , , , | Leave a comment

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

Are workplace pensions all the same?


I don’t believe that the majority of the workplace pension providers in the market today are ready to give up on innovation,competition and reputation. Continue reading

Posted in happiness, Henry Tapper blog, pensions, steve webb | Tagged , , , , , , , , | Leave a comment

A race to the top?


We will not get this problem sorted out in a meeting room in the DWP, though the DWP can clear the decks and allow us to operate with a clean sheet of paper. Continue reading

Posted in actuaries, annuity, CDC, Change, dc pensions, de-risking, defined aspiration, happiness | Tagged , , , , , , , , , , , | 1 Comment

At last – a gameplan for annuities


  The Financial Services Consumer Panel has published a report into the current state of the UK retail annuity market. It is not a glamorous document, it examines the way the market is working and concludes it it not working very … Continue reading

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