here’s what you’ve been saying
Eugen N on “Buy to let” and… Dave C on I’d rather be a Ploughma… Adrian Boulding on “Buy to let” and… Bob Compton on The only solution to the net-p… httpsonlinemarkysarc… on The only solution to the net-p… Adrian Boulding on The only solution to the net-p… Dave C on A spoonful of sugar helps the… John Mather on A spoonful of sugar helps the… John Mather on No one #Morehuman Bob Ward on Why do employers run pens… henry tapper on Why do employers run pens… Phil Castle on I’d like to get excited… John Mather on Why do employers run pens… Mark Meldon on Why do employers run pens… Brian G on Why do employers run pens…
Category Archives: CDC
Do we need to pay to get our money back?
Imagine going into a bank to withdraw money and being told to get advice before doing so. Imagine being told that the cost of that advice would run to many thousands of pounds. I very much doubt anyone would be … Continue reading
CDC – sharing risk in a bear market
This post is by the author of “launching CDC into a bear market” and again shows how CDC delivers a robust return in a bad times (a bear market). It does so by sharing risk and informs modelling by Aon … Continue reading
Launching CDC into a bear market.
The paper below is one of two that models what happens when CDC hits bad markets. I guess this one could be likened to launching a lifeboat into a stormy sea. CDC makes headway – but it’s tough. Imagine you’d … Continue reading
Coping with falling markets
It is a blessing that the first five years of auto-enrolment have seen world stock and bond markets rise. Low interest rates have had a lot to do with it, but we’ve also been in a period of comparative peace, … Continue reading
Posted in CDC, pensions
Tagged CDC, DB, Defined benefit pension plan, falling markets, Markets, pension, pensions
4 Comments
“Would you pay a social care premium?”
This was the question Radio Five Live’s Wake up to Money asked its audience this Monday morning. 2.5% off wages for the prospect of insurance against things going really wrong with your health in later life? The idea is being trailed … Continue reading
This week – we hope to be able to talk about the “benefit of pensions” again!
This is a blog about the economic utility of pension management. It’s written because the first thing that hit me this morning was this almost confessional comment from George Norval, Group Pensions Manager at Berensden. Is the DB Pensions Manager … Continue reading
Posted in advice gap, CDC, de-risking, pensions
Tagged benefits, de-risking, George Norval, pensions, reward, Stella Eastwood
Leave a comment
CDC – cons diminish confidence!
I am fairly confident that before the end of October, before even next week’s budget, the DWP will consult on CDC. We are told by the Pensions Minister , that the test case is Royal Mail but that legislation will … Continue reading
Posted in CDC, pensions
Tagged blockchain, CDC, Confidence, internet, ledger, pension
Leave a comment
Don’t pander to pension populism! Zurich big-wig hits out at “freedoms”
“I have no time for populism” , was the astonishing rebuttal of top Zurich Insurance shrink Stefan Kroepfl. Kroepfl, who is global head of life business analysis – is no lightweight, nor was the discussion that ensued at this Dutch … Continue reading
Keating on Ralfe, CDC and morality
Last week’s Corporate Advisor’s Pensions Summit featured a debate on the merits of CDC pensions. Johan Ralfe presented the “case” against the introduction of CDC. In the main, with all the showmanship of Barnum and Bailey, this resurrected old and … Continue reading
Why would management fees be any cheaper for #cdc than DC?
It’s a question posed by John Ralfe- to me – on twitter. It’s a serious question and one that Jeremy Cooper, doyen of the Australian Super system is clearly interested in too. The question cannot be simply answered with reference … Continue reading
Posted in alvin hall, CDC, pensions
Tagged annuity, Blake, CDC, Financial economics, Newton, pensions, Tontine
Leave a comment
