When only 8 to 15 mega-trusts dominate the entire defined contribution (DC) and LGPS landscape, peer-group risk may override manager…
This is clearly a serious story about institutional accountability, bankruptcy and the treatment of former employees. But, although the immediate…
Here's another way for a pension fund to get in the soup. https://bayourenaissanceman.blogspot.com/2026/09/the-catholic-clergy-sex-abuse-scandal.html
I had earlier today read a medical research article reporting on a Japanese study that found that “supercentenarians” — those…
Monthly Archives: August 2024
Should pensions and pensioners feel the pain?
It is clear to me that pensions will come in for a kicking in October 2024. I expect the 2024 tax raid to be as impactful as Gordon Brown’s raid on dividend tax relief at a similar stage in the … Continue reading
GPPs may be victims of their sponsor’s negotiating skill.
In the first decade of the century, employers looking to put distance between themselves and the outcomes of pensions chose group personal pensions. The personal pension was all that a company pension wasn’t, encouraging personal engagement with retirement issues with … Continue reading
Check in to Muralidhar this morning at 10.30
It’s been a momentous weekend for Indian pensions. Prime Minister Modhi has announced that his 2.3 million civil servants plus a further 6.7m local Government officers will be offered a contributory final salary pension. The move may have been to … Continue reading
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“HMT Should Issue SeLFIES”; Muralidhar’s Solution to a Key Challenge in the UK Retirement Market
This blog is by Dr. Arun S. Muralidhar Author: Arun S. Muralidhar, Ph DCo-founder and Client Portfolio Manager/Designed of SeLFIES and Education Bond; Alpha Engine Global Investment Solutions LLC There is a looming retirement crisis in the UK as … Continue reading
Modi announces Indian public pensions will go DB (up to 9m employees to benefit)
This weekend, Prime Minister Modi announced India would launch the biggest funded DB pension in the world from April 2025. This scheme will initially include 2.3m central Government employees (civil servants) but will be opened to local government employees on … Continue reading
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Progress to an AgeWage
It’s been 6 years since I started AgeWage with Chris Sier and Ritesh Singhania. On June 30th we closed our accounts and I’m pleased to announce that for the first time, we made a profit of £155,000. In the … Continue reading
When will the landlords ever learn?
Hmm.. Are promoters of Ground Rent income stream sales informing prospective buyers of the political risks? MPs have vowed to legislate to curb excesses. This could be a mighty case of investment mis-selling! @FreeLeasehlders https://t.co/lrhXsmI4oS — Norma Cohen (@NormaCohen3) August … Continue reading
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The rates that govern our lives – and why we put up with them.
I will answer Jim’s question as simply as I can. I want the long term returns that markets offer over 10, 20 and 140 years but I will only factor these into my thinking if I feel I am protected … Continue reading
850k of us miss-out on pension credit – and ongoing winter fuel payments
Here is an updated of the report from Gareth and myself made two years ago. We’re advertising Pension Credit again in August in advance of the Pension Credit Week of Action – W/C 2 September 2024. If you blog or … Continue reading
Virgin Money’s “ghost” IGC report
I do have a question, Virgin Money. “Why am I or anyone else reading a Virgin IGC report for 2023 , published in August 2024 on a product that was wound up in February this year.” Virgin’s dalliance with workplace … Continue reading
Scottish teachers' pay increases, such as the recent multi-year agreement negotiated via the Scottish Negotiating Committee for Teachers (SNCT) covering…