Author Archives: henry tapper

About henry tapper

Founder of the Pension PlayPen, Director of First Actuarial, partner of Stella, father of Olly . I am the Pension Plowman

If you don’t know who’s paying, it’s probably you.


  The last few days have seen a reality check on who’s paying for the long term care of our elderly. Now I read this morning a report by the Resolution Foundation on who’s  paying for the deficit reduction plans … Continue reading

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Falling out of love with the market.


  The most startling thing about the conservative manifesto is that it advocates Government intervention as a way of improving those just about managing in Britain. This is a very different approach to that of previous Governments that relied on competition within markets. From labour markets, through energy, telecoms and pharma to financial services, the […]

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Falling out of love with the market.


  The most startling thing about the conservative manifesto is that it advocates Government intervention as a way of improving those just about managing in Britain. This is a very different approach to that of previous Governments that relied on … Continue reading

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My house is my health plan?


  It is the one life event we don’t want to talk about. Shakespeare could only talk of it through the fool; Last scene of all, That ends this strange eventful history, Is second childishness and mere oblivion, Sans teeth, … Continue reading

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Tory plans for pensions (with impressive opinions for boss/pub/partner)


Replace the current State Pension ‘Triple Lock’ with a new ‘Double Lock’ by 2020 – ensuring rises are in line with earnings or inflation. The ‘Triple Lock’ will be maintained until then. Frankly , most people didn’t expect triple-lock to … Continue reading

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“Look after yourselves” – tough plans for the ageing-affluent.


    Ditching Dilnot’s cap Ditching Andrew Dilnot’s proposed cap on the amount we pay for our long-term later life care is the biggest attack on wealth I can remember. Protecting personal assets at £100,000 is scant comfort when the … Continue reading

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FAB Index provides voice of reason


  FAB Index provides voice of reason amid wild speculation on future life expectancy First Actuarial’s Best estimate (FAB) Index remained relatively stable in April, showing a month-end surplus of £287bn across the 6,000 UK defined benefit schemes. The FAB … Continue reading

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Tory Theresa gets tough on pensioners.


THERESA May will end the triple lock on pensions and use the money saved to help younger workers instead. It will be one of the most controversial parts of the Tory election manifesto being unveiled by the PM. She will … Continue reading

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The purpose of pensions- served by Transparency.


Yesterday’s Transparency Symposium, organised by Family Agethangelou , delivered a series of insights on the Purpose of Pensions. The DWP were in attendance, I guess the political message was simple, we want pensions to meet people’s expectations of later life. … Continue reading

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Hargreaves versus the “vanilla solution”.


  I was amused when opening Linked in this morning to find a pension leads salesman offering “clients who had got compensated for fault SIPP investment and were looking to adviser to provide them with a “vanilla solution”. Just what … Continue reading

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