Monthly Archives: August 2023
After 10 years of talk – it’s time to give CDC to the FCA.
It’s more than 10 years since the DWP invited a consultation on “reshaping workplace pensions for future generations”. A generation of savers has come and gone since then. 2013 Trawling through my archives I found this clip, with a photo … Continue reading
3000 years prove pensions are in our DNA!
What a joy to read this post from Ziga. Thanks for sharing this nugget from the early 13th century. The power of a lifetime income! A classic concept Annuities have been around since the Roman Empire. It’s fanciful to … Continue reading
“Wise men stay” – only 10% now consider DB transfers – finds FCA
Wise men say, only fools rush in This from Professional Pensions The majority (84%) of defined benefit (DB) savers have not considered switching their pension to a more flexible option, according to analysis by HUB Pension Consulting. The consultancy looked … Continue reading
Another way to spend your pension pot – Arun Muralidhar’s SeLFIE
The presentation above is of the results of the first year’s purchases of SeLFIES in Brazil by the Brazilian public. Brazil has got on with sourcing and implementing a solution to the problem of how to spend your retirement saving. … Continue reading
Why is no-one declaring for CDC?
It is getting on for 6 years since Royal Mail and CWU decided to quit warring over pensions and settle on a CDC solution for their staff. To date, not one penny has been committed to its corporate pension plan … Continue reading
A proper argument about CDC – 10.30am today.
The next Pension Playpen coffee morning will look at CDC through the eyes of Adrian Boulding, Steve Taylor and Chris Bunford. But I hope this won’t be another panel agreeing with each other. We have some big guns lined up … Continue reading
A pension surplus is of little use to an employer – it should stay that way!
This is how the DWP introduces the question of surplus funding in its consultation on options for defined benefit schemes. Incentives for employers to invest for surplus are currently quite weak. Employers have little to gain from any surplus, … Continue reading
Ten reasons why low-earners should not be auto-enrolled
This blog asks questions about how best to deal with genuine poverty. The financial services answer has been “financial empowerment” , saving our way out of debt. It is a flawed idea, ask those just getting by. Here are my … Continue reading
Vanguard’s IGC sets a sharp pace to the 2022 reporting season
Based on the data and analysis in this report, the IGC concludes that Vanguard is offering good VFM to its investment pathway investors. We have not discovered any other provider offering better value. So concludes the 2022 IGC report … Continue reading
CDC – a new hope?
The next Pension Playpen coffee morning will look at CDC through the eyes of Adrian Boulding, Steve Taylor and Chris Bunford Tuesday August 22, 2023 10:30 am London Expert panel Following on from our last event with excellent input from … Continue reading