Monthly Archives: December 2018
State of the pension blog (keep reading and I’ll keep writing).
My first blog was in January 2009. Has there ever been such a start to the year. Freezing temperatures and frozen bank accounts. May I start my blogging career by wishing anyone who reads this a little warmth! It was … Continue reading
Different is normal
I don’t know this guy from Adam, but his post came accross my linked in feed and I thought “hell yeah” or whatever you’re supposed to think when viewing a linked in post. “I am normal – who are you?” … Continue reading
Affordability – is the NHS pricing people out of its pension scheme?
Perhaps we are getting a little complacent about opt-outs? The FT has published research showing that opt-outs from the NHS pension scheme are running at 5 times the rate of opt-outs from the Local Government Scheme. When I first … Continue reading
Do we need to pay to get our money back?
Imagine going into a bank to withdraw money and being told to get advice before doing so. Imagine being told that the cost of that advice would run to many thousands of pounds. I very much doubt anyone would be … Continue reading
CDC – sharing risk in a bear market
This post is by the author of “launching CDC into a bear market” and again shows how CDC delivers a robust return in a bad times (a bear market). It does so by sharing risk and informs modelling by Aon … Continue reading
Launching CDC into a bear market.
The paper below is one of two that models what happens when CDC hits bad markets. I guess this one could be likened to launching a lifeboat into a stormy sea. CDC makes headway – but it’s tough. Imagine you’d … Continue reading
4 Steps to finding a pension ; PensionBee
This post’s by PensionBee. I know it’s an advert but it’s exactly what is needed right now. I wrote earlier today about how we can make pensions more interesting and fun and that’s exactly what Romi, Clare and their beekeepers … Continue reading
Posted in advice gap, pensions
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People don’t want to be #engaged or #educated – keep it simple and fun!
I enter into the final days of the year, hoping to hear less of the e-words in 2019. “Education” has been appropriated by the financial community as a way to endorse a value set that suits the financial community. Put … Continue reading
We can’t reopen closed railways or pensions – but we can build anew
How does #CDC help the individual saver in a falling market as you claim….? @henryhtapper https://t.co/PbsnbcXwku — John Ralfe (@JohnRalfe1) December 26, 2018 When I wrote this blog on Boxing Day about “coping with falling markets” – I did not … Continue reading
Coping with falling markets
It is a blessing that the first five years of auto-enrolment have seen world stock and bond markets rise. Low interest rates have had a lot to do with it, but we’ve also been in a period of comparative peace, … Continue reading
Posted in CDC, pensions
Tagged CDC, DB, Defined benefit pension plan, falling markets, Markets, pension, pensions
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