Category Archives: auto-enrolment

Covid-19 actuaries “Super Saturday” report

Posted on July 4, 2020 by

The Friday Report – Issue 14 (published Saturday July 4th)   COVID-19 Actuaries Response Group – Learn. Share. Educate. Influence. Every week, more is written on COVID-19 than any individual could possibly read. Collectively, the COVID‑19 Actuaries Response Group read … Continue reading →

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Don’t cash-out your pension #buildbackbetter !

Posted on June 22, 2020 by

This blog is about how we make sure we have enough cash to pay the bills (including the butcher’s bills) Cashing out pensions – the lure In its recent policy statement (P20/6), the FCA leaves two carve-outs (loopholes) for advisers … Continue reading →

Posted in advice gap, age wage, Australia, auto-enrolment, pensions | Tagged , , , , , , | 1 Comment

Thoughts on the triple lock

Posted on June 18, 2020 by

There’s no doubt that the unwinding of the furlough presents the Treasury with a technical problem with the triple lock. You can read the details here But that does not mean that the pensions industry can consider the state pension … Continue reading →

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DC challenges the Private Equity billionaires

Posted on June 15, 2020 by

Robin Powell (the evidenced based investor) makes a bold claim. Ludovic Phalippou is a hero.   Who is Phalippou? Ludovic Phalippou is an economist who has written a paper detailing the workings of the Private Equity industry and how it … Continue reading →

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Preventing a pension-pot epidemic

Posted on June 4, 2020 by

  Pension Bee is right to be researching the impact of changing employment practice on the economics of running a DC pension. Even before the pandemic , the DWP estimated that without radical intervention we would see 50m abandoned pension … Continue reading →

Posted in auto-enrolment, pensions | 1 Comment

Aviva’s IGC – more effective than its report suggests

Posted on April 25, 2020 by

Aviva’s IGC has turned up and you can preview it here (it launches properly Monday) It’s available as  a PDF  you can download here or you can read a digital version Having read both, I’d suggest that the PDF works … Continue reading →

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The pension must go on

Posted on April 22, 2020 by

As we all work in our individual way from our individual workplaces, it’s hard to see the big picture – we see plenty of trees but not the wood. Pensions are not about us but about the people who get … Continue reading →

Posted in advice gap, age wage, auto-enrolment, dc pensions, de-risking, Liability Driven Investment, Pension Freedoms, pensions | Tagged , , , , , , , | Leave a comment

Chile’s pension expectations dashed – what can we learn?

Posted on December 2, 2019 by

In the early 1980s Chile became the first OECD nation to switch from a Pay as you go pension system to a system dependent on private pensions. True the long-tail of state liabilities isn’t due to end till 2045 but … Continue reading →

Posted in advice gap, age wage, auto-enrolment, pensions | Tagged , , , , , , , | 2 Comments

Contractors can’t have their cake and eat our pensions too

Posted on October 9, 2019 by

  The Association of Independent Professionals and the Self-Employed have condemned Lloyds Banking Group’s decision to either scrap contractors or force them into umbrella companies. I think this unfair on Lloyds and unfair on the tax-payer. As anyone in reward … Continue reading →

Posted in advice gap, auto-enrolment, pensions, Value for Money | Tagged , , , , , , , , | 2 Comments

What if your pension pot is invested in private equity?

Posted on October 2, 2019 by

The truth is most of us have no way of answering this question. We have no idea what our pension pots are invested in and it might surprise you to know that many of the default managed by master trusts … Continue reading →

Posted in auto-enrolment, pensions | Tagged , , , , , , | 3 Comments