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Category Archives: corporate governance
Rich Hedgehogs, poor clients
From the Economist HEDGE-fund managers are the smartest investors around. With keen eyes and sharp brains, they spot and exploit inefficiencies in the markets. Or at least that is what the industry tells its clients. There is no doubt that hedge-fund … Continue reading
Popcorn pensions
I was sitting in Kentucky Fried Chicken with my friend Mr Peter Shellswell last week. We were eating the salad in case you are wondering. Popcorn chicken and gravy is my fave but we’d decided to be good. Continue reading
Posted in auto-enrolment, corporate governance, customer service, dc pensions, de-risking, EU Solvency II, Fiduciary Management, mallowstreet, pension playpen, Retirement, social media
Tagged Business, Canada, Defined benefit pension plan, Employment, Human Resources, Ken Dodd, regulation
11 Comments
Pension Equality? Don’t make me laugh.
Great news, – a group of civil servants (the National Audit Office) have decided to audit the work of another group of civil servants (the Pension Regulator) reporting to another group of civil servants (the DWP). The point of the audit is … Continue reading
Posted in annuity, Bankers, corporate governance, dc pensions, de-risking, Liberal Democrats, Martin Lewis, NEST, pension playpen, pensions, Retirement
Tagged Civil service, Defined benefit pension plan, Department for Work and Pensions, DWP, National Audit Office, pension, Pension Regulator, Private sector, Steve Webb
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Sorting the pensions of the “squeezed middle”.
There are three distinct streams among those old enough to work and young enough not to, Stream One is for those who can look forward to retirement with a degree of confidence because their employer is guaranteeing it. They are primarily … Continue reading
Posted in annuity, Bankers, corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, FSA, Henry Tapper blog, Liability Driven Investment, Martin Lewis, NEST, pensions, Personal Accounts, Retail Distribution Review, Retirement
Tagged Government, Insurance, Open Market Option, pension, Pensions Management Institute, Retirement, Single-stream recycling, Solvency II, Stream, Tom McPhail, Treasury
10 Comments
Don’t tell me what to do – give me advice!
In a recent polldaddy poll I asked whether people would pay for advice to get information, find out their options or to be told what to do. 60% of people wanted options , 30% wanted to be told what to do and 10% … Continue reading
Posted in corporate governance, customer service, dc pensions, de-risking, pensions, Retail Distribution Review, Retirement
Tagged Actuarial science, Business, finance, Financial adviser, Financial services, Financial Services Authority, Independent Financial Adviser, Institute and Faculty of Actuaries, National Employment Savings Trust, pension
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ABI and the OMO- guest blog by Alan Higham
ABI Consultation Paper on OMO Code of Conduct Posted on December 23, 2011 by Alan Higham The ABI has finally been pressed into taking some meaningful attempt to improve the outcomes people have at retirement. The ABI has a number … Continue reading
My five big challenges for twenty twelve
If I thought I’d be here twelve months ago I wouldn’t have bothered. I’d have gone straight to jail, not passed go and not collected my £200. I reckon most of us would have preferred to be on the subs … Continue reading
(S)hell’s well at Christmas
Popped into a Shell garage this morning – big sign tells me that I get 2 p off a litre if I buy a fourpack of Red Bull. I fancy giving a fourpack to my colleague and chum Peter Shellswell (real name) who survives on Morrisons own label energy drinks. … Continue reading
Posted in corporate governance
Tagged Datsun, Energy drink, Gasoline, Litre, Morrisons, Pound sterling, Red Bull, Royal Dutch Shell, Shell
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I have seen the future of DC (part 84)
The future for DC may well be a fund manager’s future but it’s a fund manager with big ears and a small mouth who is most likely to win.
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What’s in store for UK pensions in 2012?
Artificially depressed interest rates drive up DB deficits and depress annuities but the pressure on life companies and pension schemes to adopt Solvency II recedes as the UK distances itself from Brussels. The price of the settlement on public sector pensions is … Continue reading