Monthly Archives: December 2022
Robert Armstrong concludes “ESG is still a mess”
This blog is published this morning on Robert Armstrong’s “unhedged” feed. I’m republishing it because measuring the real impact of pensions on the sustainability of the planet is key in choosing a pension provider. I want to know how my … Continue reading
Turning Pensions Upside Down – PlayPen coffee morning TODAY and FREE!
The discussion Richard wants to have is around these three points If these issues matter to you , whether you’re a pensions professional or not, you are very welcome to join us. To join Register or login to http://www.pensionplaypen.com … Continue reading
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Should there be an initial conversion rate to turn pot to pension?
According to the FCA’s Retirement Income Study, the average drawdown rate used by non-advised savers is 8% pa. This is almost certainty driven by need rather than sustainability and the great thing about drawdown is it meets people’s needs. The … Continue reading
How joined up pension regulation can get CDC done
In pursuit of getting innovation over the line, I may have implied that the “retail CDC” product is the responsibility of the FCA. This is true , in a narrow sense, just as pooled LDI funds are in the FCA’s … Continue reading
Calculating losses from bad advice
To my blog on redress for the steelworkers, I’ve had this question on twitter. So you just assume a loss, even though in these instances they were very generous CETVs? It’s the right question. The FCA tell us that … Continue reading
Why CDC is the UK’ pension reformation.
The title of this blog might seem ambitious. Britain currently has no CDC pensions, only an application for a CDC pension scheme, sitting with TPR – from Royal Mail. While that scheme will provide a very ambitious, very expensive and … Continue reading
How CDC will increase competition and member value
Yesterday I was inspired by reading a great article by Eversheds’ partner, Michael Jones in which he called on government to recognise CDC as a retail product available to anyone with savings in a qualifying DC pot. By shifting the … Continue reading
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A People’s Partnership but still no Pensions!
B&CE bas re-branded to People’s Partnership moving the live company on from its industrial heritage towards it being a master trust that does a few other things as well. In recent years , the “other things as well” have reduced. … Continue reading