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about.me
henry tapper
The pension Martin Lewis?
51 years old , twice married, one son. Cambridge Graduate , Icelandic fisherman, failed management consultant. Rugby player, oarsman and double bassist.
Tries most things once- usually badly
Blogroll
- Brilliant pension report from Raconteur
- Brilliant pensions website
- Bryanston School Alumni
- Chateau d'Oigny
- Guido Fawkes' political blog
- Inspirational blog from 21C actuary
- my linked in site
- Oliver Tapper's blog
- Pension Playpen
- Reasonable Force- should pensions be compulsory
- The Pension Play Pen
- Yeovil Town FC
boat builder
Chateaux in Piedmont
EU Solvency II
Yeovil Town
Top Clicks
the pension plowman
- RT @SamStedders: @henryhtapper me to Henry - and Brentford missing out in the play-offs again! Lets hope it's 8th time lucky if we get the …thanks 5 hours ago
- RT @PJZoulias: DB vs DC returns via @towerswatson towerswatson.com/en/Insights/Ne… Note use of TDFs @henryhtapper Must be their fault ;)thanks 7 hours ago
- @deValoisPens @Fanfaronade Impressive of L&G huh! #pensionsthanks 9 hours ago
- RT @Fanfaronade: @henryhtapper I was also impressed by L&G's new governance efforts (even if spurred by OFT). Other insurers/mastertrusts s…thanks 9 hours ago
- RT @deValoisPens: Aye aye RT “@Fanfaronade: @henryhtapper speaketh pensions sense: henrytapper.com/2013/05/22/a-d…”thanks 9 hours ago
- I am having difficulty coming to terms with Yeovil Town being a #championship side; do I need therapy? #ytfcthanks 9 hours ago
- “@Fanfaronade: I was also impressed by L&G's new governance efforts (even if spurred by OFT). Other insurers/mastertrusts shld follow suit.”thanks 9 hours ago
- @Fanfaronade thanks! Very kind of you to RTthanks 9 hours ago
- RT @Fanfaronade: @henryhtapper speaketh pensions sense: henrytapper.com/2013/05/22/a-d…thanks 9 hours ago
- "Fit lean pension machines" - an uncomfortable prospect? wp.me/ppXQz-2Ni via @henryhtapperthanks 9 hours ago
Top Rated
Top Posts
- A democratic way to improve DC investment.
- "Fit lean pension machines" - an uncomfortable prospect?
- Commission - an unwanted risk.
- The Regulator's brilliant auto-enrolment website.
- Replacing the financial salesman in the workplace.
- A great day for Yeovil Town Football Club
- Buzzword Bingo- (great post from Phil Baumann)
- Morrison's "Save our Dough" campaign.
- Who speaks for workplace pensions?
- A day on the river
Blog Stats
- 131,435 hits
Tags
Actuarial science annuity Business Business and Economy corporate governance corporate risk dc pensions de-risking Defined benefit pension plan DWP Employment England Facebook Financial services Financial Services Authority Government Human Resources Insurance Investing Investment Investment management Legal & General Liability Driven Investment Life annuity linkedin London National Employment Savings Trust NEST pension Pension new pension playpen Pension Poverty Pension Protection Fund Pension Regulator pensions Pensions Politics public sector Public Sector Pensions Retirement social media Society Steve Webb twitter United StatesWhat's hot and what's not
actuaries annuity auto-enrolment Bankers Change corporate governance customer service dc pensions de-risking defined aspiration Facebook Fiduciary Management Financial Education First Actuarial happiness Henry Tapper blog Liability Driven Investment mallowstreet Management NEST Payroll pension playpen pensions Personal Accounts Popcorn Pensions Retail Distribution Review Retirement social media Treasury twitterBlogroll
- Brilliant pension report from Raconteur
- Brilliant pensions website
- Bryanston School Alumni
- Chateau d'Oigny
- Guido Fawkes' political blog
- Inspirational blog from 21C actuary
- my linked in site
- Oliver Tapper's blog
- Pension Playpen
- Reasonable Force- should pensions be compulsory
- The Pension Play Pen
- Yeovil Town FC
NAPF Presentation on “at retirment options”
DB de-risking presntation (ppt)
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Tag Archives: Personal Accounts
Pension choices for smaller companies
Smaller companies- those with less than 50 employees are the beating heart of Britain’s economy. It is from among their number that the next Virgin or Tesco will come and though many of them will be toast in ten years … Continue reading
Posted in annuity, corporate governance, customer service, dc pensions, de-risking, pension playpen, pensions, Personal Accounts, Retail Distribution Review, Retirement
Tagged annuity, Business, corporate governance, corporate risk, customer service, dc pensions, de-risking, Economics, Employment, Financial services, Government, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Poverty, Pensions, pensions, Personal Accounts, Politics, Public Sector Pensions, Retail Distribution Review, Retirement, Small business, Tesco
4 Comments
The ACA have spoken – the DWP ought to listen
Let’s hope that instead of issuing yet more consultation documents on the policing of the auto enrolment regulations, the Government will , through its key Departments, DWP and the Treasury, start getting us excited about the prospect of this new order. Otherwise this new pension paradigm will degenerate, as its Stakeholder predecessor degenerated, into a fearful, unloved, unadopted and unenforced mess.
Posted in annuity, corporate governance, customer service, dc pensions, de-risking, pensions, Personal Accounts
Tagged annuity, corporate governance, customer service, dc pensions, de-risking, Employment, Financial services, Government, National Employment Savings Trust, pension, Pension new, Pensions, pensions, Persnal Accounts, Personal Accounts, Politics, Public Sector Pensions, Scheme, Tata Consultancy Services, Treasury
15 Comments
Accounts and accountability-who pays for NESTCorp?
I am a lover of NEST- of collective DC – of private and public partnerships that bring better funded pensions to people for whom the current system cannot reach. I have made my own private submission to the Work and … Continue reading
Posted in NEST, pensions, Personal Accounts, Retirement
Tagged Business, Department for Work and Pensions, Employment, Financial services, Government, National Employment Savings Trust, NEST, pension, Pension new, Pension Pound, Pension Poverty, Pensions, pensions, Personal Accounts, Politics, Public Sector Pensions, Retirement, Saving, Scheme, Select committee (Westminster system), Society, Tata Consultancy Services
11 Comments
“Buying a Retirement Income” from an RIP
I’m sure the panelled annuitants or Retirement Income Providers (hereafter known as RIPs) are feeling pretty comfortable about life this morning.
Posted in annuity, NEST, pension playpen, pensions, Personal Accounts, Retirement
Tagged annuity, Aviva, Business, Insurance, Life annuity, National Employment Savings Trust, NEST, Open Market Option, pension, Pension new, pension playpen, Pension Pound, Pensions, pensions, Personal Accounts, Public Sector Pensions, Retirement, Scheme, Tom McPhail, Zurich
13 Comments
Tell them the truth (a ridiculous notion)
However, it would lead to the kind of engagement between staff and retirement that is needed if we are to move forward from the current deadlock of distrust.
Posted in EU Solvency II, NEST, pension playpen, Personal Accounts, Retirement
Tagged Business, Company, Employment, EU Solvency II, Financial services, Insurance, National Employment Savings Trust, NEST, Old age, pension, Pension new, pension playpen, Pension Pound, Pension Poverty, Personal Accounts, Public Sector Pensions, Retirement
7 Comments
A massive failure of nerve – the sad state of our DC pensions
Last year 460,000 people bought annuities from their DC pensions, Two thirds of these people did not bother to get the best rate for their accumulated funds and as a result suffered on average a 10% lower pension than those who did. Continue reading
Posted in corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, Liability Driven Investment, NEST, pensions, Personal Accounts, Retirement
Tagged corporate governance, dc pensions, de-risking, Department for Work and Pensions, Employment, EU Solvency II, Fiduciary Management, Hargreaves Lansdown, Liability Driven Investment, Mike Wadsworth, National Employment Savings Trust, NEST, pension, Pension new, Pension Pound, Pension Poverty, Pensions, pensions, Persnal Accounts, Personal Accounts, Politics, Rensselaer Polytechnic Institute, Retirement, Society, Tom McPhail
9 Comments
What’s my “NEST” egg going to be worth?
While we continue to debate what a national savings scheme should be called, pensioners continue to shiver and the nation is no closer to a pensions solution for lower earners than when stakeholder pensions were first mooted 14 years ago. Continue reading
“I have looked over the cliff and I have seen DC”
It may have taken ten years but the precipitous drop to DC is now no joke. 2010 is likely to be a tipping point for many workplace pension schemes. Here are my personal predictions for the year ahead. Continue reading
Posted in dc pensions, pensions, Personal Accounts
Tagged annuities, dc pensions, DGF, EU Solvency II, Facebook, Local government pensions, Pension new, pensioners, pensions, Personal Accounts, twitter
1 Comment
I like annuities but I’m worried..
Imagine it- the prospect of a 15-20% pay cut for the rest of my life and all because the Government changed the rules. Continue reading
Posted in annuity, dc pensions, de-risking, EU Solvency II, pensions, Personal Accounts, Retirement, Treasury
Tagged ageing, annuiteis, annuity, Bank, bulk annuities, corporate risk, dc pensions, de-risking, EU Solvency II, Fiduciary Management, gilts, Local government pensions, Longevity, longevity bonds, Pension new, Pension Pound, pension pounds, Pensions, pensions, Personal Accounts, Retirement, Treasury, UK Treasury
2 Comments
I’d trust a “contract” but not a “Fiduciary”
The terminology we use “fiduciary, instituional, custody” is not a language that prevails among lay trustees- it is the language of the legal and financial communities. “Fiduciary” in particular is a bad word, as an adjective it denotes “trust and confidence” but intimidates and alienates everyday people- too many vowells, too many syllables and not enough Anglo Saxon gutterality! It says “difficult, opaque and self-absorbed”.
Continue reading
Posted in dc pensions, de-risking, Liability Driven Investment, Personal Accounts, redington, Retirement, social media
Tagged corporate risk, dc pensions, de-risking, Liability Driven Investment, Pension new, Pensions, Persnal Accounts, Personal Accounts, redington, Retirement, social media
4 Comments
