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Monthly Archives: November 2010
Happiness and harm
Time will tell whether the Coalition Government has created a credible and sustainable system which allows us to measure and understand “government finances and the structure of the State”.
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Posted in dc pensions, NEST, pensions, Retirement, Treasury
Tagged Basic State Pension, David Cameron, dc pensions, Diane Coyle, Economics, Frank Field, John Stuart Mill, NEST, pension, Pension Poverty, pensions, Poverty, public sector, Public Sector Pensions, Retirement, Society, Treasury
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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
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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
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DC – a victim of “mark to market” evangelism?
At present, the DC affluent can protect themselves through the use of phased retirement and income drawdown. Those with small DC pots are least protected from market vagaries.
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The Grand old Duke at NEST- he had 5 million men
NEST has spent a good deal of time telling us how it will get its 5 million plus members up the retirement hill but very little on how it will get them down again.
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Posted in NEST, pensions
Tagged annuities, Business, Insurance, Life annuity, National Employment Savings Trust, NEST, Open Market Option, pension, Pension new, Pensions, pensions, Retirement
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NEST- the irrefutable case for “Scheme Pensions”.
That we have spent no time discussing the deaccumulation of NEST funds is a scandal. It is time for this subject to be put on the public agenda – if it is not, then NEST should be branded a half-baked project.
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Big-Up for NEST’s investment strategy
I’ve been growing ever more confident that NEST is going in the right direction- especially with regards investment options.
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Posted in NEST
Tagged Business, Funds, Investing, Investment management, Mutual fund, NEST, pension, Target date fund, Volatility (finance)
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The Risks of DC Default Options
If you are in the default fund of your group personal pension you have the right to ask these questions. Continue reading
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Posted in pensions
Tagged Business, default, Financial services, Insurance, International Monetary Fund, Investing, Management, Pension new, pensions, Risk Management
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Who should be managing DC defaults?
The first step in sorting out DC defaults is to establish where the buck stops and focussing appropriate resource at that point. Continue reading
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Bunnies, Bears and Badgers
There seems to be a misconception among some of my colleagues that people should be engaged with the investment of their pension fund. I do not share this view.
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Advice and leadership
The Government has finally found a way forward Continue reading
