Monthly Archives: July 2024

Financial inclusion needs more than chatbots

Yesterday I wrote about the relevance of the Winter Fuel Payment cut to the way people think about their pensions. Check your pension credit eligibility before giving up on winter fuel payment https://t.co/EgMG5QhD84 Use Martin Lewis’ 10-minute benefits check to … Continue reading

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Time to put “pension adequacy” on the back-burner

We should thank Nathan Long for a perceptive and sensible argument to reconsider  what we mean by adequacy in terms of retirement savings. Nathan compares the system of pension accrual which targets “replacement of final salary”, typically at two thirds … Continue reading

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The young, the bald and the ugly!

I grow old , I grow old … Harry Scoffin scorched the playpen’s stage this morning with sixty minutes that kept us alive to the problems facing leaseholders If you have some time – enjoy. It really is rather good. … Continue reading

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Ground rents – pension’s part in their downfall! Harry Scoffin TODAY!

Harry Scoffin is the founder of Free Leaseholders, an organisation that campaigns for the rights of leaseholders , persecuted by their freeholders. The latest scam to be uncovered is the loading of insurances paid by  leaseholders to provide freeholders and … Continue reading

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Check your pension credit eligibility before giving up on winter fuel payment

  The pensions industry should not ignore its pensioners The point of the pension industry is to provide support to Government in ensuring that older people are financially secure in retirement. Yesterday, a small plank in the bridge to long … Continue reading

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The monkey’s off TPR’s back, but where’s the DB Code going?

The Pensions Regulator finally got to lay its “new” DB funding  code of practice before parliament yesterday and it will be the subject of interminable discussion from the actuariality. The trade press are all over it expressing a range of … Continue reading

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Scoffin calls on pensions to disown ground-rents for good

Harry Scoffin is the founder of Free Leaseholders, an organisation that campaigns for the rights of leaseholders , persecuted by their freeholders. The latest scam to be uncovered is the loading of insurances paid by  leaseholders to provide freeholders and … Continue reading

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Who will provide the capital to back our pensions?

This is the question asked by my reliable correspondent “Pension Oldie”.  Here is his comment on a post of mine on pension superfunds and capital backed journey plans. He argues that consolidation through superfunds is much harder to achieve at … Continue reading

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Blue-sky thinking beside the sea

We arrive at the first week when we expect to send emails that bounce back with gleeful messages about “annual leave”. This will include the inboxes of legislators who head for their “summer recess” but it will not include this … Continue reading

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Wealth – slave of the wise – master of the fool

  I would like to keep up with the various posts of Arun Muralidhar but they are as cantankerous as the blogs of Montaigne and impenetrable as the Maxims of La Rochefoucauld. I can amuse myself and hopefully you , … Continue reading

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