Category Archives: de-risking

There are better ways to de-risk than ETVs

The only pension schemes which you cannot transfer out of are the Basic State Pension, State Second Pension and NEST (yes – odd that a DC plan is in that mix). Continue reading

Posted in corporate governance, customer service, dc pensions, de-risking, EU Solvency II, Liability Driven Investment, NEST, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | 13 Comments

Be aware – IFAs at work!

In order for employers to get value from their employee benefit plans they had better be absolutely sure that they are delivered by advisers that need carry no wealth warning!
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Posted in corporate governance, dc pensions, de-risking, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | 7 Comments

DC investors -are we panicking?

The stock market has fallen 10% in a week and chances are , so’s the value of your pension account. You probably lost considerably more than you earned and if certain “experts” are to be believed, you may be penning your … Continue reading

Posted in corporate governance, dc pensions, de-risking | Tagged , , , , , , , , , , , , , , | 4 Comments

The case for doing nothing

There is a case for doing nothing and it is a logical case- but it’s not a course of action I intend to follow, Continue reading

Posted in corporate governance, dc pensions, de-risking, Retirement | Tagged , , , , , , , , , , , , , , , , , , , | 14 Comments

Culling seals

I  have a new phrase in my vocabulary which relates to the activities of financial institutions that take advantage of the inertia of customers. I cannot tell you about the context in which I learned about this phrase as I am … Continue reading

Posted in customer service, dc pensions, de-risking, pension playpen | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Kids stuff – what HR and Pension people can learn from Generation C

We will be competing for their interest with a whole bunch of others trying to get some space on their cloud. Continue reading

Posted in dc pensions, de-risking, pension playpen, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , | 9 Comments

Social entrepreneurs and pension leaders ; Robert and Dawid

Some talk about it, some tweet about it and some do it. Robert and Dawid, my friends who run Redington and Mallowstreet do all three! It’s one thing to muse on instigating best practice into pension scheme management, it’s another to … Continue reading

Posted in de-risking, mallowstreet, pensions, redington, social media | Tagged , , , , , , , , , , , , , , , , , , | 7 Comments

General Melchett revisited

An interesting picture is beginning to emerge which suggests that the subjective satisfaction scores given by schemes in relation to their consultant may be inversely related to the value delivered through default solution design Continue reading

Posted in dc pensions, de-risking, Liability Driven Investment, NEST, pension playpen, pensions, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , | 14 Comments

Couldn’t have put it better myself

“In a year’s time”, he says, “it will almost certainly look totally different to this”. Continue reading

Posted in dc pensions, de-risking, Facebook, pension playpen | Tagged , , , , , , , , , , , , , , | 7 Comments

What we can and cannot do (to provide our staff with better DC pension outcomes)

The Pensions Regulator has challenged us to establish what can practically be done for staff with DC pensions.
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Posted in annuity, corporate governance, dc pensions, de-risking, NEST, pensions, Retail Distribution Review, Retirement, twitter | Tagged , , , , , , , , , , , , , , , , , , , , , , , | 9 Comments