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Meta
Monthly Archives: June 2015
GRAXIT! – an open letter to Phil Loney on how he can help solve the GAR problem.
An open letter to Phil Loney – CEO of Royal London Phil You’ve started a good debate on Guaranteed Annuity Rates and how we should manage them in this time of Pension Freedom. Getting out of GAR contracts (GRAXIT) is proving a … Continue reading
GARs – a simpler way out for insurers…
This blog offers insurers a simple way out of the problem they have with Guaranteed Annuity Rates- it means paying the reserved for value of the policy rather than the (lower) investment value of the contributions. By way of explanation.. … Continue reading
Posted in annuity, EU Solvency II, investment, London, Pension Freedoms, pension playpen, pensions, Pensions Regulator
Tagged advice, Annuity Rates, defined benefit, Equitable Life Assurance Society, Equity, Guaranteed Annuity Rates, Ros Altmann, Royal London, The Equitable, Transfer values
6 Comments
Turning it round- lessons from English Cricket
I can’t think of a a better example of turning things round than the English one day cricket team. Earlier this year I was embarrassed to be an English cricket fan, this morning I am reading of us winning … Continue reading
Posted in cricket
Tagged Bairstown, cricket, Joe Root, ODI, pensions, Ros Altmann, social media
2 Comments
The value of guaranteed annuity rates
The affable , cricket loving chief executive of Royal London- Phil Loney- has written to Ros Altmann thus;- Dear Ros Congratulations on your Maiden Speech. It is pleasing to hear such a positive advocate for pensions. I was particular pleased … Continue reading
Posted in pensions
Tagged Business, dc pensions, Employment, GAR, Government, National Employment Savings Trust, pension, pension freedom, Phil Loney
13 Comments
The perils of Pre-Selection
Yesterday was dominated by one word – choice. During the day I attended the ICAEW Auto-enrolment conference with around 120 accountants. It was a very serious event, enlivened by an outburst from the floor as an accountant objected to the … Continue reading
Posted in Financial Education, First Actuarial
Tagged CIPP, Friends of Auto-Enrolment, pension playpen, Pre-selection
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High risk, medium risk , low risk? No idea! Guest blog from Ralph Frank
How many times have you been asked whether you have a high, medium or low risk tolerance? Perhaps the question has been phrased differently, testing if you are an aggressive, moderate or conservative investor? You might even have had your … Continue reading
Posted in pensions
Tagged Business, corporate governance, Financial services, High-risk, investmenst, Investment, low-risk, no idea, pension, Pension new, pension playpen, pensions, Ralph Frank, Retirement
2 Comments
MoneyHub – financial education’s future?
I met yesterday with Toby Hughes, CEO of MoneyHub, one of the very few people in financial services who I could properly call visionary. Like most visionaries, his big idea is very simple. He and his CTO Dave Toge talked … Continue reading
Supply-side woes , buy-side goes; the disappearing pension billions
It’s not hard to spend a billion, not if you’re a nation that knows how to spend but finds it hard to save. As Osborne found, a generation of planning can be unwound in a minute. Were the tax rules … Continue reading
Posted in pensions
Tagged Actuarial science, annuity, auto enrolment, Business, CDC, DWP, Freedoms, Pension Freedoms, pension playpen, pensions, Retirement, Ros Altmann, Steve Webb, TPAS
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Identifying your auto-enrolment workers! Great guest blog by Karen Prince
This month sees the start of the final stage of auto-enrolment in the UK for more than 1.2 million employers. This last stage affects small and medium enterprises employing less than 30 staff. By April 2017, all businesses, including those … Continue reading
The inter web of trust
My father did his national service in the navy. I remember him telling me why those in the navy saluted with a closed palm and those in the army with an open palm. According to my Dad, those in the … Continue reading
Posted in corporate governance, customer service
Tagged army, compliance, due diligence, navy, search, Transparency, trust, web
3 Comments