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Category Archives: actuaries
Con Keating asks “Does life-styling make sense?”
In the course of my recent work on value for money metrics, I have come across several schemes which apply life styling to older ages and many have argued that these strategies merit a benchmark which differs from the … Continue reading
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Posted in actuaries, advice gap, dc pensions, de-risking, pensions
Tagged dc, de-risking, Lifestyle, pensions
9 Comments
“CDC could solve freedoms issue”-Boulding
Scanning the depressing progression of fake news on my linked in timeline, my eye was caught by a very odd post indeed. There’s a lot going on here and I decided to probe the link to what Adrian is saying. … Continue reading
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Posted in actuaries, age wage, CDC, pensions
Tagged CDC, NEST, NOW Pensions, pensions, People's Pension, Salvus, Smart
2 Comments
A proper discussion on how long we live
The Long and Short of Life Expectancy – – @bbcradio4 complete with @RedActuary https://t.co/4SBQLWe2e1 — alan chaplin (@achaplin71) September 11, 2019 This is such a good discussion on how we measure life expectancy that I don’t want to spoil it … Continue reading
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The cost of turning pot to pension
I’m pleased to hear that Scottish Widows are planning to open their standard annuity product to the open market (previously only Scottish Widows customers could access this product). Their marketing people tell us It will be available directly from … Continue reading
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Posted in actuaries, age wage, annuity, pensions
Tagged Actuary, AgeWage, annuity, pension, Pensions Wise
4 Comments
Why do DB transfer values make me sick?
One of the things ordinary people find hardest to work out is why their share of a defined benefit scheme can go up when stock markets go down. This happened last month where the stock market fell. But in August, … Continue reading
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Posted in actuaries, advice gap, BSPS, FCA, pensions
Tagged actuaries, DB pensions, equities, gilts, pensions, shares, Transfer values, XPS
8 Comments
The impact of NDAs on pension outcomes
NDAs (non disclosure agreements), have been much in the news in the past week. The government says it will crack down on the use of workplace “gagging clauses” to cover up allegations of harassment, discrimination and assault. Many businesses use … Continue reading
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Posted in actuaries, advice gap, pensions
Tagged charges, CMA, IA, IMA, pensions, value, Value for Money, VFM
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Have pension freedoms really lost us £4bn?
So many of us warned at the time that pension ‘freedoms’ were a BAD idea. We were right. Ironic then that a former pension minister who so favoured it (annuities bad, cash good) is quoted in this Times investigation bemoaning … Continue reading
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Posted in actuaries, advice gap, BSPS, pensions
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Millennial fightback
The greatest current threat to motor manufacturers is that people no longer want to drive. The second biggest threat is that people no longer want to own a car. That’s the message that comes loud and clear from an article … Continue reading
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Posted in actuaries, advice gap, pensions
Tagged Balance sheet, Equity release, lease, own, Ownership, pensions, possessions, Volvo
7 Comments
Pension fission* and fusion* at DG conferences
I’m not a fan of pension conferences – they are generally a way to reinforce existing prejudices and give participants a sense of their importance without challenge. But recently I’ve been working with DG publishing on conferences that bring … Continue reading
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Posted in actuaries, advice gap, age wage, pensions
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CDC – a silver wage not a silver bullet
Yesterday Ros (Baroness) Altmann hosted a webinar on retirement income which prompted some interesting follow up on social media. Here’s Mark Ormston of Retirement Line. I thoroughly enjoyed listening to Ros Altmann on the ‘future of retirement income’ masterclass … Continue reading
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Posted in actuaries, CDC, pensions, Pensions Regulator
Tagged AgeWage, CDC, first actuarial, pensions, PMI, silver bullet
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