Category Archives: de-risking
How to get the pension you’ve earned
In response to some earlier blogs, Alan Higham has made this comment on a Pension Play Pen discussion thread. Alan regularly features in my thinking as does Andy Young (of the “Young report” below). Both are actuaries who have translated … Continue reading
Pensions crisis: one in 10 forced to delay retirement
Pummeting annuity rates and poor investment returns means thousands cannot afford to stop work. One in 10 of those due to retire this year will delay taking their pension, as a combination of plummeting annuity rates and poor investment … Continue reading
Define your aspiration.
Last week, the brotherhood of DB and DC pensions got a little sister when Steve Webb introduced the prospect of DA to the family. There is nothing new about the search for a third way, indeed it is the pensions equivalent of the … Continue reading
Aspirational pensions – popcorn pensions!!
There are going to be a lot of objections to aspirational pensions over the weeks and months to come, but for me they are popcorn pensions – delicious, affordable and while they may not be the haute cuisine of the guaranteed Final Salary plans pragmatic.
Posted in annuity, auto-enrolment, dc pensions, de-risking, EU Solvency II, happiness, Henry Tapper blog, Management, pension playpen, pensions, Popcorn Pensions, Public sector pensions, Retirement, Treasury
Tagged Defined benefit pension plan, Dutch, National Association of Pension Funds, pension, Pension Protection Fund, States of Jersey, Steve Webb, Webb
16 Comments
“How to keep these blogging jonnies in line”
On-line reputations are hard-won and easily lost. We are all prey to hackers who can range from the nuisance (mafia family on twitter) to the violently disruptive (where accounts are taken over as happened to … Continue reading
Posted in de-risking, Facebook, social media, twitter
Tagged Behavior, Blog, Facebook, Facebook features, linkedin, Online Communities, Social Networking, twitter
1 Comment
How’s this for a rip-off?
I’m not sure if it’s my job to whistle blow and so far they have only followed 82 people on twitter (including me) – but don’t you reckon this kind of offer is a little dubious? Continue reading
Posted in customer service, dc pensions, de-risking, happiness, Henry Tapper blog, Management, Martin Lewis
Tagged Cash, Credit history, Employment, Financial Service Authority, Financial services, Financial Services Authority, Investment, Marketing, National Employment Savings Trust, No Age, pension, Pension fund, Retirement, Seal hunting
3 Comments
“A fair and lasting settlement”; public sector pensions
Paul Johnson and the Institute of Fiscal Studies have done the numbers and, to nobody’s surprise, have concluded that the long-term cost of public sector pensions in terms of “pensions out” will be about the same under the new regime … Continue reading
Posted in de-risking, pensions, Public sector pensions
Tagged Consumer price index, CPI, Danny Alexander, Economy, Government, pension, Private sector, public sector, Tom McPhail, Trade union
2 Comments
10 infrastucture opportunities pension funds cannot ignore!
The Government has announced that it wants UK pension funds to invest in UK infrastructure. This week we saw a slice of Thames Water purchased by the Chinese. I live on the Thames and as dawn rises this morning I’m on “Junk Alert” on “the partially yellow river”. Continue reading
Posted in annuity, Bankers, Church of England, corporate governance, dc pensions, de-risking, religion, Retirement, social media, Treasury, Twickenham, twitter
Tagged Government, Hedge fund, Isle of Man, London, pension, Richard Branson, Royal Bank of Scotland, Royal Mail, Rugby Football Union, Tarmac, Thames Water, Towers Watson
1 Comment
“Making Pension Charges Clearer” – good on the NAPF
The NAPF, as I’ve mentioned a few times on this blog, are a rather better trade body than you’d expect . Revitalised by Joanne Seagers and Dan Torjussen-Proctor they appear a more progressive member centric organisation than in years gone by. Ambitiously, they … Continue reading
To get better pensions we need to share risk
Yesterday, Steve Webb announced he was to review the level of protection that needed to be provided to private pensions in payment. His intention is to help the solvency of defined benefit schemes which might need to reserve less for future guarantees. He is … Continue reading
Posted in annuity, corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, Management, NEST, pensions, Retirement
Tagged CDC, Defined benefit pension plan, Derek, Dutch, Employment, pension, Standard Life, Steve Webb, trustee
9 Comments