Monthly Archives: December 2021

Is their sense in cashing out your pension?

Posted on December 31, 2021 by henry tapper

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 →

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McPhail is no seal-clubber.

Posted on December 30, 2021 by henry tapper

  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 →

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How do we stop “Price Walking” in pensions?

Posted on December 30, 2021 by henry tapper

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 →

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Not everyone can get a personalised pension – but that doesn’t make Per wrong!

Posted on December 29, 2021 by henry tapper

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 →

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Locked out of their houses! What other pensioner fraud’s going on through faked power of attorney?

Posted on December 29, 2021 by henry tapper

  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.

Posted on December 28, 2021 by henry tapper

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!

Posted on December 28, 2021 by henry tapper

  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 →

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Age-friendly pensions – finding and paying excluded pensioners.

Posted on December 28, 2021 by henry tapper

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 →

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Redefining the choice architecture at retirement.

Posted on December 27, 2021 by henry tapper

    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 →

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These you have read- my top ten blogs this year.

Posted on December 26, 2021 by henry tapper

  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 →

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