Monthly Archives: February 2022
The Teacher’s Pension Scheme is changing -what does this mean?
Teacher Pensions are changing (again). For a scheme that has its foundations in the 19th Century and 2 million members it is remarkably flexible , responding to the changing needs of members , participating employers and the ultimate sponsor- the … Continue reading
Covid-19 actuaries report on health and maritime disasters
http://www.covidactuaries.org Friday Report: Issue 61 By: John Roberts, Adele Groyer and Matt Fletcher 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 Response … Continue reading
Better savings beat bitter outcomes!
For the majority of people, the simple rules of saving early, saving hard and being patient apply. The savings agenda can’t be dominated by fear of penal taxation on those with high earnings and wealth. https://t.co/rpfzJ86uX4 — Henry Tapper (@henryhtapper) … Continue reading
The State Pension Age just went political
I’ve worried about the appointment of Baroness Neville-Rolfe to head the “independent review of the state pension” on this blog I quoted Steve Webb – who was parliamentary politician of the year in his final year of office. Government appoints … Continue reading
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Public sector worker? Two great ways to boost your pension.
This chart is from LCP’s excellent paper “the ski-slope of doom” which explains that a generation of workplace savers employed in the private sector will no longer be getting DB pensions but inferior DC pots (which they will have to … Continue reading
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Tagged AVC, AVC Wise, Jeff Houston, LGPS, Pensions, public sector, Shared cost
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What 5.5% inflation means to those without savings
UK inflation has increased to the highest rate in 30 years, squeezing living standards and putting pressure on the Bank of England to raise interest rates again. According to data published by the ONS today, consumer prices rose at an … Continue reading
Picking an IFA who’ll stay the course.
My friend John Quinlivan is fond of asking me “capital or covenant?” He means me to answer whether my business case is based on the weight of money I can call on , or my trust that I am … Continue reading
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Tagged ajh financial, capital, covenant, dividends, FCA, ft, jo cumbo
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The State Pension made simple – CIPP public sector update
I really enjoyed my lunchtime presentation to over 400 members of the CIPP. Thanks to you for letting me share my thoughts on the State Pension and thanks to Shaun Tetley for chairing the session. I keep saying this, … Continue reading
As the cost of living rockets, savings are no substitute for pensions.
I can understand why Alistair said “thankfully” in parenthesis, but he should be clearer in his grammar. We should be thankful for the end of lockdown, not the end of saving! Now is a time to be considerate of the … Continue reading
My moneyed valentine!
The cards sit on the kitchen worktop, one to another- ludicrously anonymised and accompanied by chocolates on both sides. We have insured ourselves against each other’s opprobrium. We could have gone further in de-risking a potentially bloody valentine I suspect … Continue reading