here’s what you’ve been saying
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Category Archives: de-risking
Towards a new pension funding code
On Thursday, David Fairs, head of policy at the Pensions Regulator delivered a keynote speech to 200 or so delegates at the First Actuarial client conference. He did so a couple of hours after publishing a blog which has … Continue reading
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Posted in de-risking, pensions, Pensions Regulator
Tagged David Fairs, DB, First actuarail, IFA, pensions, TPR
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More fun and games in the crazy world of pension transfers
It didn’t take long for the ripples from the Lloyds Bank GMP equalisation ruling to reach the crazy land of pension transfers. Within a few days of the Judge Morgan’s verdict we hear that thousands of people are having their pension transfers delayed … Continue reading
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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
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Posted in advice gap, CDC, de-risking, pensions
Tagged benefits, de-risking, George Norval, pensions, reward, Stella Eastwood
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There’s nothing democratic about genocide. FCA should stop “contingent charging” today.
The FCA have published two papers on transfers A policy paper CP 18/6 “Improving the quality of pension transfer advice and A consultation paper CP 18/7 “advising on pension transfers”. The upshot of which is that The FCA has gone back to … Continue reading
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Posted in BSPS, de-risking, Henry Tapper blog, pensions
Tagged CETV, CP18/6, CP18/7, FCA, Genocide, pensions
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What is CDC and does it matter?
Collective Defined Contribution Schemes (CDC) are back in the news. There are two reasons for this The Workplace and Pensions Committee have set up an enquiry into CDC Royal Mail and the CWU intend to move to a CDC basis … Continue reading
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Posted in CDC, dc pensions, de-risking, defined ambition, pensions
Tagged CDC, dc, Defined Ambition, pensions, risk sharing
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TATA GPP – an investable option for BSPS members with a CETV.
I’ve received the following note from Aviva with regards the TATA group personal pension which has replaced BSPS as the corporately sponsored pension arrangement going forward. Thanks for your note below re the query you have received from a BSPS … Continue reading
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Posted in advice gap, de-risking, pensions, social media
Tagged Aviva, BSPS, CETV, GPP, tata
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Pension Advice; it’s all about getting paid.
I have read and listened to a lot about professional integrity. Having been an IFA and being now a fee-based consultant, I know that the first thought you go to bed with (and wake up with) is “how am I going to get … Continue reading
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Posted in BSPS, dc pensions, de-risking, pensions
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Finger in the dyke stuff! DC pricing is just too leaky Jon!
Jonathan Stapleton has written a deliberatively provocative piece in Professional Pensions which will be applauded by the operators of workplace pensions but is going to get short shrift from me. You can read Jonathan’s opinions here. The gist of Jonathan’s … Continue reading
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Posted in auto-enrolment, dc pensions, de-risking, Debt, NEST, now, pensions
Tagged dyke, jonathan Stapleton, NEST, NOW Pensions, operators, pensions
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DB pension heading for the PPF? – Read this!
Here are some things you didn’t know about the Pension Protection Fund (PPF). If you are in a pension scheme heading in that direction you should read this! While most people think it would be an unmitigated disaster to see … Continue reading
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Posted in de-risking, pensions, workplace pensions
Tagged BHS, BSPS, ppf, tata, TPR, workplace
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Tax-subsidies on retirement advice; a waste of public funds!
The Government intends to extend tax breaks on pensions to allow those with pension pots to use them to pay for advice. The details are in this consultation document. The fundamental premise is that taking financial advice on retirement matters … Continue reading
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Posted in advice gap, consultant, dc pensions, de-risking, defined ambition, pensions
Tagged advice, Advisor charging, de-risking, FAMR, pensions, RDR, Retirement, Tax, tax relief
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