Sadly we allowed the "lay trustee" to be written into our law eg the Trustee Act 2000. And rather than…
As an AMNT committee member we widened our constitution this week to spread the mentoring, networking and best practice dissemination…
"falls in contribution rates have begun to emerge" The LGPS Survey 2026 undertaken by Room 151 in association with Schroders…
Yes, follow-up on the many benefits of Auto-Enrollment with the benefits of Auto-Consolidation, with opt-outs again for the sophisticates who…
Author Archives: henry tapper
#Talkmoney week with Torsten and a pint.
I was surprised to find the pint of Guinness being pulled by a Minister in charge of my pensions. Continue reading
Julius Pursaill ; how DC can meet challenges from VFM, guided retirement and CDC
At Tuesday’s meeting we’ll be hearing from Julius what needs to be done if DC masters are to withstand the interest in pensions , satisfied by CDC. Continue reading
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“DC or CDC – that is the question”. A Pensions UK debate in the City of London
Let’s hope a future Government doesn’t up the simplicity of collective pensions by forcing someone in a workplace CDC to experience guided retirement. That seems a really bad idea!
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Guided retirement consultation has a glaring hole.
An income for life is not, by itself, a definition of a good retirement outcome.
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Tagged CDC, Employment, FCA, Guided retirement, Income, Johan Kriek, Pensions, Retirement, Retirement Guidance, TPR, VFM
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Guided Retirement and risk in sequence of returns.
The Guided Retirement consultation has a great deal to say about longevity protection; but how do we decide what protection someone needs without explicitly considering what happens to their pension along the way? Continue reading
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Tagged dc, Guided retirement, lOGVEITY, members, protection, trustees
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Is compliance increasing for trustees at the expense of the members?
The inevitable conclusion is that good governance increases with the size of an occupational scheme and the distance the scheme is from the individual member. I wonder if this increasing trust in pensions or not. Continue reading
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Tagged compliance, Corporate Trustees, independent trustees, professional trustee firms, TPR, trustees
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“If you really want to fix inequality, cut public sector pensions”- The Times
This is the script for right-wing politicians. But large employers are ditching DC savings for collective pensions as the way to pension staff. They will swerve RCPS and Guided Retirement by participating in what we used to call CDC! Continue reading
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Tagged Ben Wilkinson, CDC, CP, dc, Guided retirement, Pensions, RCPS, Torsten Bell
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How will Guided Retirement and RCPS impact the business plans of DC master trusts?
This is not the easiest consultation to find on the web Here’s a summary from Marsh (Mercer) who are clearly throwing their weight behind RCPS (formerly R-CDC). It will be interesting what it means for the Mercer and NOW master … Continue reading
Can personal pensions live with Retirement Collective Pension Schemes?
This feedback on how RCPS should develop sheds some interesting light on transfers into workplace pension collective pensions; Continue reading
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A budget recap by David Brookes; (B4GR)
Here’s the hour long video of the Pension PlayPen coffee morning which included Lord Bryn Davies Padraig Floyd, and others in a rigorous debate. Martin Lewis hovered over us! Continue reading
The idea that a pensioner has "complete control over cash flows" is naive because it omits the awkward fact that…