Category Archives: actuaries

The risks of partial disclosure


Look at this photo.   You might have thought that Ruston Smith had won a CDC award for Tesco. Certainly not the case! Now look at the full picture! Mark Scantlebury has won an award for Quietroom, partly for his … Continue reading

Posted in #WASPI, accountants, actuaries, advice gap, pensions | Tagged , , , , , , | 2 Comments

Helping people understand their pensions


Last night I spoke to a group of potential investors about AgeWage, they were mainly senior doctors. I thinkthey got it. I hope that you will understand our vision for more understanding of pensions. Here are the slides Here is … Continue reading

Posted in actuaries, advice gap, age wage, annuity, Australia, pensions | Tagged , , | 1 Comment

GMP equalisation – accounting issues – First Actuarial – webinar invite!


First Actuarial are able to explain this GMP equalisation thing and the implications for pension (and company) accounting. Having done a webinar or two with “Sam and Jingoe”- I’d say this will be time well spent! Here’s your invite! Our … Continue reading

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First Actuarial celebrates its special day


Once a year, everyone at First Actuarial comes together in one place to work and play for a day. This is the day. Most of us choose where we want to work and if we don’t like it, we go … Continue reading

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Investment for beginners?


Perhaps because I’m paying him to, my 20 year old is paying some attention to where his pension is being invested. I say “is”, but our first contribution to his workplace pension is awaiting his opt-in. Meanwhile he’s asking – … Continue reading

Posted in accountants, actuaries, advice gap, NEST, pensions | Tagged , , , | 6 Comments

“GMP equalisation” – will the geeks inherit the earth?


Few pension experts expect GMP equalisation to change people’s lives. The Daily Express’ headline “Millions of women to share pension windfall” is plain wrong. GMP equalisation can benefit men as well as women. The Express, reckon 8,000 out of 235,000 … Continue reading

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Financial Economics = Scorched Earth


John Kiff rolled his tank onto my lawn this morning. Well he can roll it off again and take his flamethrowers with him. For in the long march back from Moscow, Kiff, Ralfe & Co are doing their best to … Continue reading

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How do Customers benchmark what’s good about their DC pension?


For employer’s it’s all been about inter-operability I’m returning to a question that has bothered me since the inception of auto-enrolment over six years ago. To begin with, it was a question for employers and could largely be answered in … Continue reading

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How’s my pension done?


When you get that little envelope and you know it’s about your pension, that’s the question you’ll be asking.  Typically – you won’t get much of an answer from your pension illustration -even if it is the new type pioneered … Continue reading

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Proper Pensions first! Say “No” to Inclusive Ownership Funds.


Talk this morning of compulsion on private sector employers to give shares to staff. It’s not a new idea and many companies do this already. I’m with Justin Urquhart-Stewart who told listeners to Wake Up To Money that (future) Governments … Continue reading

Posted in actuaries, CDC, pensions | Tagged , , , , , | 5 Comments