Tag Archives: pensions

I know what to do- I just want help! Equities, volatility and dividends.


  The unconventional, but inescapable, conclusion to be drawn from the past fifty years is that it has been far safer to invest in a diversified collection of American businesses than to invest in securities – Treasuries, for example – … Continue reading

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Understanding the Great Fall of China (in the pub).


While y’all went on holiday, market analysts threw a tantrum , Emerging stock Markets tanked and the Developed Markets went red and green faster than a traffic light. I love writing this stuff, it makes me feel grown up – like I had some job … Continue reading

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Don’t be daunted – it’s not hard (or expensive) to choose the best workplace pension for your staff


If you are a boss, or act for a boss as an accountant, financial adviser or payroll manager, you may be getting worried about auto-enrolment. You’ve probably had your little brown envelope from the Pension Regulator telling you that you … Continue reading

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IFAs take the lead in sorting the transfer blockage.


  BIG THINKING Two things I’m really looking forward to in September are threesixty’s two “Big Thinking Days”. One’s in Edinburgh and one’s in London and if you’re going, you;re in for a treat. Threesixty are a pretty pucker outfit (IMO) and … Continue reading

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Does drawdown need a charges cap for pension drawdown


This post was written a few months ago but never published. The main thrust is still relevant, the thrust is that we are better off building better and more relevant products than trying to squeeze drawdown into a shirt two … Continue reading

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The markets are back but the damage is done.


There are those who thrive on the ups and downs of the stock market; high frequency traders take fractional advantage of moves up and down and like wind farms, make most when it’s stormy. You can buy and sell this … Continue reading

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Pot follows member – over a cliff?


There’s a great saying in racing “I’d follow that horse over a cliff”. It’s a morbid comment on most gambler’s instinct to chase losses for sentimental rather than economic reasons. When conviction sets in, then rationality is the loser and … Continue reading

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Michael Johnson and the Super ISA


This is the latest from tax and pensions supremo – Michael Johnson. Love it or hate it – the pensions ISA or Super ISA as Michael calls it- looks set to dominate our thinking over the next few months   … Continue reading

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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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What the great fall of China does to my pension.


The falls in the world stock markets since April appear huge, our own market has fallen 15% , market in Asia, much more. But the equity market that has fallen the most is China. The great fall of China is … Continue reading

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