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Monthly Archives: December 2021
Is their sense in cashing out your pension?
In this article I’m arguing that in a world of freedoms and investment pathways, cashing out your pension or at least stripping out tax free cash makes sense. People are not swayed by arguments about tax and investment optimization, they … Continue reading
McPhail is no seal-clubber.
Coincidental to the FCA’s impending clampdown on “price-walking”, I’m presented with just the kind of problem that has beset pensions since we decided giving people a pot not a pension was a good thing (let’s say 1987). A very … Continue reading
How do we stop “Price Walking” in pensions?
The FCA has changed its policy on the pricing of general insurance products so that people who routinely renew their cover with an insurer are rewarded for their loyalty. This will mean that competition for new customers will reduce and … Continue reading
Not everyone can get a personalised pension – but that doesn’t make Per wrong!
Per Linnemann is asking whether target date funds might use his technology, the ‘iTDF,’ to create a seamless transition from pre-retirement savings to safe income during the first 20 years of retirement. This blog asks whether he is right or … Continue reading
Locked out of their houses! What other pensioner fraud’s going on through faked power of attorney?
Alan Chaplin reminded us via a comment on yesterday’s blog about how easily the keys to someone’s finances can handed to a fraudster.Alan says,”the ease with which power of attorney was granted to a fraudster , is frightening”. In … Continue reading
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The Pension Grinch comes in from the cold.
Excellent piece by @nuovalongevita on managing longevity risk with tontines (and, as an added bonus, it rips into @henryhtapper )https://t.co/HQ60FSU1d2 — John Ralfe (@JohnRalfe1) December 28, 2021 This is a breakthrough tweet as it marks the conversion of arch-grinch, John … Continue reading
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Pensions as poison pills? I’m not so sure!
It’s a tough time of year for pension journalists who typically resort to year-end round ups to fill their article quotas. Not so, the admirable Jo Cumbo who runs a story today claiming that The Pensions Regulator is putting … Continue reading
Age-friendly pensions – finding and paying excluded pensioners.
Hardly a matter for public discussion One of the the most haunting aspects of living in the City of London is the number of people alone on the streets. Life expectancy for people who become homeless falls dramatically as they … Continue reading
Redefining the choice architecture at retirement.
In this blog I talk of Pension Pathways, which is what I call the variable pensions payable to people choosing to transfer their retirement savings pots into Collective Money Purhase pensions. Put another way, they are the scheme … Continue reading
These you have read- my top ten blogs this year.
Although I write a lot, I don’t spend much time looking at what gets read and when I do, I get surprised! At the end of this year I know I’ll have had around a quarter of a million … Continue reading
