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Monthly Archives: February 2021
The last day of winter
Snow may be forecast for March , but I’m treating today as the last day of winter and preparing for spring. Meteorological Winter is determined by the annual temperature cycles and the Gregorian calendar. Meteorological winter starts December 1st in the … Continue reading
Maybe financial robots better stick with providing factual information.
At the end of January, one of Europe’s best hopes to succeed as a Robo-Adviser, closed its doors on UK investors, choosing to focus on Germany as its core market. In a very perceptive article, Malcolm Kerr puts his finger … Continue reading
Perseverance pays off- Covid-ARGs weekend bulletin
http://www.covid-arg.com Weekend Report: Issue 38 By Matt Fletcher, John Roberts and Adele Groyer COVID-19 Actuaries Response Group – Learn. Share. Educate. Influence. COVID-19 is still one of the hottest topics for scientific papers and articles. The COVID‑19 Actuaries … Continue reading
Posted in pensions
Tagged #covid19, Covid-arg, modelling, Perseverance, Perseverance rover, R, Vaccine
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Auto Enrolment 2.0 – anything new?
At the launch of the Resolution Foundation’s Retirement Living Standards, Pensions Minister Guy Opperman laid out some plans for what he’s calling Auto-enrolment 2.0. This blog asks whether 2.0 is just more of the same or a genuine upgrade. It’s … Continue reading
The curse on pensions is the cult of the consultant!
I thought about calling this blog the “cult of complexity” as in modern English, a cult is a social group that is defined by its unusual religious, spiritual, or philosophical beliefs, or by its common interest in a particular personality, object, or goal The social group I have in mind is … Continue reading
Posted in pensions
Tagged advice, advisors, complexity, Consultant, cult, investment consultant, Pensions
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Pension simplification will bring tears at bed-time.
The illustration is from “Greta and the giants” , an alarming children’s book designed to entertain and inform from Zoe Tucker (author) and Zoe Persico (illustrator). I say “alarming” because climate change should be giving me tears before bed-time. I … Continue reading
How the budget could tweak pensions.
Rishi Sunak’s March 3rd benchmark will be overshadowed by the cost of building back Britain. Will pensioners be treated sympathetically and will those saving for a pension have to pay some of the price? Thanks to Becky O’Connor, Head of … Continue reading
Posted in pensions
Tagged Interactive Investor, Pensions, Rishi Sunak, state pension, Sunak, triple lock
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“Who’d want to be a pension trustee?” – asks a pension trustee
Michael Clark is a good friend to this blog and he’s also a useful person to know if you need a good pension trustee or some common sense-ical corporate pension advice. He writes well too and this article (picked up … Continue reading
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Tagged Clark benefit consultancy, fines, Michael Clark, pension trustee, TPR, trustee
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Why , given half a chance – most DC savers will “invest” in cash.
In my article today about CDC, I mention that DC is unable to do what CDC can do, which is keep people invested in retirement. The FCA’s Retirement Income survey data shows that the vast majority of redemptions from personal pensions … Continue reading
John Ralfe’s CDC lecture
A big thank you to Imperial College Business School for making this a public lecture, It brought 140 people together, encouraged some sharp debate in the chat room and gave a platform to John Ralfe to explain the con trick … Continue reading
Posted in pensions
Tagged annuity, Brevan Howard, CDC, dc, Financial services, John Ralfe
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