Monthly Archives: December 2021

Stepping towards the “Pension Pathway”.

I am using this post-Christmas hiatus to think about how we could create a Pension Pathway for our retirement savings.  A Pension Pathway would pay us a reasonable wage in retirement without involving the need for financial advice. Here are … Continue reading

Posted in pensions | Tagged , , , | 4 Comments

Pensions not tontines please!

  If there is one word that we could do without right now – it is Tontine. The idea has become associated with greed on the one hand. And of profiting from other’s death on the other Yet it is … Continue reading

Posted in pensions | Tagged , | 2 Comments

A full-throated “merry Christmas” now is a day of hope!

I went to Midnight Mass at St Paul’s cathedral and the cathedral was half full. The choir sang beautifully without masks and we sang through ours. We prayed and listened to a sermon about angels and we took half of … Continue reading

Posted in pensions | Tagged | Leave a comment

A personnel guide to DB transfers.

One of the questions I get asked about most is whether to transfer a pension. Whether you are a dedicated pension officer or have a wider role in HR and reward, you likely have dealings with people who are transferring … Continue reading

Posted in pensions | Tagged , | 3 Comments

Would you Adam and Eve it?

Along with Adam, the Catholic Church by ancient tradition recognizes Eve as a saint, and the traditional liturgical feast of Saints Adam and Eve has been celebrated on 24 December since the Middle Ages in many European nations – including Blighty. … Continue reading

Posted in pensions | 4 Comments

Britain V Omicron ; 1-1 at halftime

BBC reporting suggests we are even stevens aganist Covid as we go into the  Christmas period. Contracting Covid is now being reported as a daily occurrence amongst my friends and business acquaintances but I am not aware of any who … Continue reading

Posted in pensions | 1 Comment

On state pension conspiracy theories.

Two and a quarter years late, this blog is an answer to Ruth Gilbert’s question. I’m not sure why it has re-emerged on my timeline, but now is a good time to get a layman’s assessment of what we can … Continue reading

Posted in pensions | Tagged , , , , | 3 Comments

USS is in a mess but not a mess like Biden’s.

  Take a look at these two pictures, they both show strike action over pensions. The picture on the left is of a university lecturer protesting over cuts and contribution hikes to the USS, the picture on the right is … Continue reading

Posted in pensions | Tagged , , | 2 Comments

How can we value the financial advice that we buy?

Al Rush asks the questions others duck. I suspect that this is a question that many of us have thought to ask, but never framed well. IFA, do you consider putting a client into drawdown (DD) as high risk business, … Continue reading

Posted in pensions | 2 Comments

Paint it green- and do it with a nudge!

Amanda Latham has made quite a stir since leaving the Pension Regulator for Barnett Waddingham. Now she’s got the Thunderer calling on the pension industry to green up the default funds which will one day pay us pensions. Judging by … Continue reading

Posted in pensions | Tagged , | Leave a comment