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Author Archives: henry tapper
Our best shot at pension simplification in a generation!
It’s an interesting time right now for those involved in DC regulation. This blog suggests that if we can find a single definition of value for money that is acceptable to TPR and FCA, then we can massively simplify DC … Continue reading
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Posted in advice gap, governance, pensions
Tagged Chair statement, NEST, nestle, pensions, VFM
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A practical illustration of Contractual Accrual Rates – Clacher and Keating
In this article Con Keating and Iain Clacher explain an alternative to the current way we require DB schemes to be funded. It challenges received thinking and offers a way forward to regulators struggling to find an acceptable funding … Continue reading
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Posted in de-risking, pensions
Tagged Accrual, Car, Con Keating, Conractual accrual rate, defined benefit, Iain Clacher, liability, pensions
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Pension Bee and the fintech annuity
Legal & General Retail Retirement has agreed a new partnership to provide annuities to PensionBee customers. From 3rd August, customers enquiring about an annuity with PensionBee will be introduced to Legal & General for further information, or to get a … Continue reading
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Posted in advice gap, annuity, pensions
Tagged advice gap, AgeWage, annuity, L&G, pensons, retirement line
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The Killing of Open Schemes – Michael Bromwich
Michael Bromwich has been the CIMA Professor of Financial Accounting at the LSE since October 1985 . He is the co-author of “Management accounting in a digital and global economy” and one of Britain’s authorities on the subject. His … Continue reading
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Posted in Bankers, pensions, Pensions Regulator
Tagged Funding, LSE, LTO, Michael Bromwich, Open Schemes, pensions, Sharon Bowles, TPR
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Pot consolidation doesn’t need alchemy – it needs common purpose and leadership
The case for Government intervention on “small pots” is made very well by Dirk Paterson It is indeed time for Government intervention, but the choices are many and each has its issues. The danger of relying on Government intervention … Continue reading
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Posted in now, pensions
Tagged Adrian Boulding, Dirk Paterson, Guy Opperman, Innovation, NOW, pensions, Pot follows member
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South African mortality from COVID-19
Introduction In this bulletin we review death reporting for COVID-19 in South Africa, with some comparison to the United Kingdom and other global regions. South Africa reported deaths are shown together with comparisons of Case Fatality Rates (CFRs) that may … Continue reading
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Posted in actuaries, coronavirus, pensions
Tagged actuaries, Covid-19, GB, Louis Rossouw, South Africa
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Superfunds and COVID-19
In a very good overview of superfunds, Jo Cumbo and the FT explain the new option available to the 5000+ employers sponsoring DB schemes on what Guy Opperman calls their spectrum of choice. Jo makes clear that superfunds are not … Continue reading
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DC Governance – “for the saver not the sponsor”.
The simplest way of looking at the shift from DB to DC in the UK over the past 25 years as a risk transfer from collective (underwritten by a sponsor) to individual (with no underwriting – even where there is … Continue reading
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Posted in advice gap, age wage, Dashboard, dc pensions, pensions
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Bank charges negative interest on pension cash.
Thanks to Steve Goddard for bringing this curiosity to my attention. It was not long ago that one of the chief sources of revenue for SIPP managers was creaming off interest on client accounts to subsidize other activities or simply … Continue reading
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Posted in pensions
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Prem Sikka’s peerage – its value to accounting , governance and pensions
Prem Sikka, too, is an appointment to be welcomed as strengthening the Lords pensions team. Read his monograph from 2006, “Pensions crisis a failure of public policymaking”, https://t.co/xBHu7dgVKJ. Chapter 2: THE PENSIONS CRISIS: FACT AND FICTION explains the valuation and… … Continue reading
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Posted in accountants, advice gap, age wage, pensions
Tagged Accounting, Bryn Davies, Dennis Leech, ESG, House of Lords, pensions, prem sikka, Ros Altmann, Sharon Bowles
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