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Monthly Archives: December 2016
Five moral reasons I didn’t take my DB transfer.
Jo Cumbo (my journalist of the year) has finished 2016 with a fascinating article on what (her sub editor?) describes as “a stampede to cash in gold-plated final salary schemes“. I felt angry – a little bit “dirt” when I’d … Continue reading
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Posted in pensions
Tagged CETV, Drawdown, final salary, gold-plated, IFA, market, mumbo jumbo, pensions, wealth manager
19 Comments
How we’re responding to the FCA’s Asset Market Study
Pension PlayPen response to the FCA Asset Management Market Study Interim Report (MS15/2.2) This response focusses on “proposed remedies” and how to make them effective. The aim of Pension PlayPen is to restore confidence in pensions, we see public confidence … Continue reading
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Let loose the dogs of law!
In this article, I argue that until those who manage funds and assets are held responsible to the end consumer we will not see effective enforcement of reforms. The central thrust of the FCA’s Asset Management Market Study (interim) is … Continue reading
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Posted in pensions
Tagged Asset management, dogs of law, FCA, Fiduciary, governance, ICG, law, market study, trustees
3 Comments
Self sufficiency – another idiocy! (Con Keating)
The idea that DB pension schemes should be self-sufficient, funded to such a level that they are capable of paying all pensions when due from their own resources is now rather popular. It is also completely idiotic, as the … Continue reading
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Doing something useful with our money
Pension Funds like bonds, they provide a regular income stream and some bonds pay income for twenty years or more, a bit like lending money as a mortgage. Which begs the question “why don’t pension funds lend money as mortgages?”. … Continue reading
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Fundamental concern with pension regulation.
Con Keating on the political economy of UK pension scheme regulation John Woods’ paper “The political economy of UK pension scheme regulation” should be read closely, and repeatedly in both the FCA and the DWP, and used to inform their … Continue reading
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Posted in pensions
Tagged advice, Blog, Con Keating, Innovation, pensions, WordPress
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Christmas cruel – the truth behind the Carol
It’s great to see an economist looking at life through a historical and economic lens. I hadn’t come across the “conversable economist”, Tim Taylor (nothing to do with the beer) before. Con pointed him my way and – in particular – … Continue reading
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Posted in pensions
Tagged Charles Dickens, Christmas Carrol, Economist, Tim Taylor, timothy taylor
1 Comment
The peril of pensions (a quiet word in payroll’s ear).
Anyone who manages payroll, whether in-house or as an outsourcer, will by now have discovered the perils of auto-enrolment. This article will not rehearse the process issues (you’ll be relieved to know). But with auto-enrolment come workplace pensions. Currently the majority … Continue reading
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Posted in accountants, advice gap, auto-enrolment, pensions
Tagged accountant, auto enrolment, DWP, NEST, Payroll, pension, The Pensions Regulator, TPR, Workie, workplace pension
1 Comment
Stocks as good as bonds – says top prof!
Top prof Mike Otsuka has had enough of his mega pension fund’s investment strategy. In this post he hits out at the USS and calls for members to join him. His article references John Woods’ neglected paper that debunks … Continue reading
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Posted in accountants, actuaries, pensions
Tagged Funding, LSE, Mike Otsuka, pensions, Prof, USS
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Property (and who owns it)
Something out of nothing Two distantly related matter are troubling me this morning. The first is the ownership of intellectual property and the second the ownership of a shower cubicle. Let me talk about the shower cubicle first. I was … Continue reading
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Posted in pensions
Tagged Con Keating, Crisis, Dennis Leech, Downing Street, Homelessness, Homes, John woods, Ownership, pensions, ppf
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