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Category Archives: Bankers
We need some disruption – to sort the Hard Problem
Tom Stoppard’s new play, the Hard Problem, asks whether individual consciousness (and the ideas of good and evil that go with it) can exist in a material world Continue reading
Crushed by falling bond yields – great guest blog by Ralph Frank
Mainstream assessments of the state of investment markets tend to focus on the equity market. The level of the FTSE 100, S&P 500, Dow and/or Nikkei is deemed to be an indicator of the health of savers’ investment portfolios and/or … Continue reading
Posted in actuaries, Bankers, CDC, defined aspiration
Tagged Actuarial science, Actuary, annuity, Aviva, Bank of England, Blog, de-risking, Gilt yields, gilts, pensions, Ralph Frank
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People seeking safety at any price?
I was annoyed to listen to one of the Bank of England’s Chief Economists Andy Haldane tell the BBC’s Robert Peston that people were seeking safety at any price. Passing the buck on to the “cautious consumer” may play … Continue reading
Posted in actuaries, advice gap, Bankers, Mark Carney, pensions, Politics, Retirement, reward
Tagged Andy Haldane, auto enrolment, Bank of England, Business, dc pensions, Defined benefit pension plan, Employment, equities, Funding, Infrastructure, National Employment Savings Trust, pension, pensions, Retirement, Robert Peston, Scheme Funding, Steve Webb
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The pensions industry is far from ready for 2015.
There has been an assumption that through Guidance, Advice and revitalised Product, Britain’s lucky retirees drawing benefits from 2015 will take advantage of the new pension freedoms and things will be alright. The sharp of sight will have noticed a … Continue reading
Posted in advice gap, Bankers, pension playpen, pensions
Tagged Banks, guarantees, Guidance
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Why we have no time for “Banker Immunity”.
We have not seen bankers marched in handcuffs from their desks but now it seems we might. The regulators have put-out a consultation paper that seeks to pin accountability on Directors (including non-executive Directors). A good friend of mine … Continue reading
Posted in Bankers, Fiduciary Management, Financial Conduct Authority
Tagged Bankers, Bonus, Business, Business and Economy, corporate risk, Crime, Employment, FCA, Financial services, Financial Services Authority, governance, London, Non-Executive, PRA, Prison, regulation, Treasury, United States
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A tale of two Cities
Have you ever turned up at a place and realised you shouldn’t be there – but stayed anyway just to see what it was like? That’s what happened to me yesterday. I went to an event about … Continue reading
Posted in Bankers, Blogging, London, Treasury, welfare
Tagged Bankers, Banking, Boris Johnson, Business, City of London, Employment, England, Eversheds, London, Mark Boleat, Poverty, Will Hutton
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How retirement products evolve (and revolve).
There are three drivers that shape the evolution of financial products – supply, demand and Government intervention. Between the mid 80s and today Britain has seen a Financial Services Revolution that has been no less dramatic than the agrarian … Continue reading
Posted in auto-enrolment, Bankers, corporate governance, Financial Education, pensions
Tagged annuity, Business, Defined benefit pension plan, DWP, Employment, Government, Investment, National Employment Savings Trust, pension, Pension new, pension playpen, Retirement, Steve Webb, Treasury
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“Accelerators” How a student wants to embed “pensions” in Britain’s start-ups
I’ve written before about Josh Collins, a student who’s managed to get a first in mechanical engineering without sitting his A levels (it’s hard to do exams when you are homeless from 16-18.) Josh sent me his thoughts on how … Continue reading
It’s all kicking off….
At first the Arab Spring amazed me as random. Now I can make sense of what happened and see how it all tied in . I’m sure the means by which people talked and events were reported added to the sense of … Continue reading
Posted in advice gap, annuity, Bankers, pension playpen, pensions, Public sector pensions
Tagged Arab Spring, kicking-off, pensions
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How I want my hard-saved earnings – thoughts on a walk!
Not many people fantasize about the letter they will get from their workplace pension provider when they get to the point they can start spending their hard- saved earnings. As I made my way around Studland Bay, Old Harry … Continue reading
Posted in advice gap, annuity, Bankers, Blogging, CDC, dc pensions, defined aspiration, FCA, Financial Conduct Authority, NEST, pension playpen, pensions
Tagged advice, dc pensions, Defined benefit pension plan, DWP, Employment, Government, Guidance, pension, pension playpen, Pension Protection Fund, pensions, Retirement, Steve Webb
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