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Monthly Archives: November 2010
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”.
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
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.
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.
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.
I’ve been growing ever more confident that NEST is going in the right direction- especially with regards investment options.
If you are in the default fund of your group personal pension you have the right to ask these questions. Continue reading
The first step in sorting out DC defaults is to establish where the buck stops and focussing appropriate resource at that point. Continue reading