Category Archives: actuaries

LEBC – fall out for the fall guys

Posted on August 26, 2023 by henry tapper

The demise of LEBC has been slow and painful. It died a death of a thousand cuts and now one of the most innovative advisory firms in Britain is no more than a hole in the balance sheet of its … Continue reading →

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The rule of 6 – why high mortgage rates spell good news for pension pots!

Posted on June 20, 2023 by henry tapper

Six – is a tragic number. Yesterday , the press decided to introduce a new number to the national consciousness. The number 6. It it the interest rate that mortgage payers will have to pay for a two year fix … Continue reading →

Posted in actuaries | Tagged , | 3 Comments

What we need are “after-workplace pensions”.

Posted on November 13, 2021 by henry tapper

The concept of the “employer covenant” is different for member and trustee The concept of collectivism in pensions is restricted to the workplace. The key instruments of collective pensions are payroll that collects contributions, the corporate treasury team that provides … Continue reading →

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ONS finds those not wearing masks 50% more at risk from Covid

Posted on September 28, 2021 by henry tapper

Thanks to the indefatigable John Roberts. Keep up the good work and be careful of that Zider! An interesting release by ONS today on the characteristics of people testing positive recently. One noteworthy finding is that those who don’t wear … Continue reading →

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Eri-tation ; time to come clean on DC pensions.

Posted on September 14, 2021 by henry tapper

Eritability Of all the time wasted talking about pension dashboards, the time wasted on “estimated retirement income” irks me most. It is not the sight of actuaries arguing over annuity and growth rates that irks me , it’s that the … Continue reading →

Posted in actuaries, advice gap, CDC, Dashboard | Tagged , , , , , | 4 Comments

Moral hazard and the “compo culture”- must good pay for bad?

Posted on January 26, 2021 by henry tapper

Blow to the trust in our profession. We could have organized to help people and divi the work for an industry wide agreed fixed fee on this. People matter. #financialplanning #values #trust https://t.co/wJghgWZEOe — Clémence Chatelin (@CChatelin) January 25, 2021 … Continue reading →

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Buzzing for the DB funding code?

Posted on January 23, 2021 by henry tapper

Views of the proposed DB Funding Code from Con Keating In their weekly Pensions Buzz survey, Professional Pensions posed the following question: “Is TPR’s approach to the new DB funding code the correct one in your view?” There were 100 respondents … Continue reading →

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Managing and measuring DB schemes (Keating, Tilba and Clacher)

Posted on December 14, 2020 by henry tapper

With the intention of keeping the Pension Regulator focused, Keating and Clacher have recruited Dr Anna Tilba of Durham University to their ranks.  A powerful triumvirate of pension intellectuals whose latest  blog is an antidote to the toxicity of pseudo … Continue reading →

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If the poor can’t save in this pandemic, when can they save?

Posted on December 12, 2020 by henry tapper

  Yesterday I wrote about Nest Insight’s sidecar savings project (now mysteriously called “Jars”).  The article caught the eye of Michael Johnson who graphically  reminded me of the most effective means ever of increasing the savings ratio. So – covering … Continue reading →

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COVID-19 Actuaries sign off for the year with their 31st cracking report

Posted on December 12, 2020 by henry tapper

                                                                        COVID-ARG.COM Friday Report: Issue … Continue reading →

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