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Category Archives: de-risking
Only the good die young
There is hope for me – maybe I will be remembered as too good for my pension.
Posted in de-risking
Tagged Brentford, Brentford F.C., de-risking, Health, Smoking, Sports, Table tennis, Tobacco, Tobacco smoking, United States, Zurich Financial Services
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A massive failure of nerve – the sad state of our DC pensions
Last year 460,000 people bought annuities from their DC pensions, Two thirds of these people did not bother to get the best rate for their accumulated funds and as a result suffered on average a 10% lower pension than those who did. Continue reading
Posted in corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, Liability Driven Investment, NEST, pensions, Personal Accounts, Retirement
Tagged corporate governance, dc pensions, de-risking, Department for Work and Pensions, Employment, EU Solvency II, Fiduciary Management, Hargreaves Lansdown, Liability Driven Investment, Mike Wadsworth, National Employment Savings Trust, NEST, pension, Pension new, Pension Pound, Pension Poverty, pensions, Pensions, Persnal Accounts, Personal Accounts, Politics, Rensselaer Polytechnic Institute, Retirement, Society, Tom McPhail
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The Uniq Pension Scheme – what would you do as a member?
If you are a member of the Uniq Plc Pension Scheme with a reasonable deferred pension you ought to be worried. The employer’s covenant is weak and ,on the face of it , the scheme is bust. Continue reading
Why do some workforces accept DB pension closure and some strike?
The members I spoke to …were not happy but at least they understood the corporate dilemma. It seems that over time they have reached a consensus that it is in their long-term collective interest to accept the proposed changes and move on without unrest.
Delivering a pension
The ordinary member of a pension scheme will not be aware of Liability Driven Investment, however he or she is acutely aware that their pension may be at risk. Continue reading
Enhanced transfer values-is there a middle way?
There’s a lot of talk about “risk sharing” between employers and members of DB pension schemes. “Risk sharing” has become a euphemism for booting members out of the pension scheme- a middle way is needed. Continue reading
Posted in de-risking, pensions, Retirement
Tagged ageing, corporate risk, de-risking, enhanced transfer values, ETVs, finance, Longevity, pensioners, pensions, Retirement
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Long live workplace savings
If you work for a big company- the chances are you own shares in your employer. Watch out over the next couple of years for some interesting developments! Continue reading
Posted in de-risking, pensions, Retirement
Tagged corporate risk, de-risking, in-specie, ISA, pension, pensions, Retirement, SAYE, shares, sharesave, workplace savings
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I like annuities but I’m worried..
Imagine it- the prospect of a 15-20% pay cut for the rest of my life and all because the Government changed the rules. Continue reading
Posted in annuity, dc pensions, de-risking, EU Solvency II, pensions, Personal Accounts, Retirement, Treasury
Tagged ageing, annuiteis, annuity, Bank, bulk annuities, corporate risk, dc pensions, de-risking, EU Solvency II, Fiduciary Management, gilts, Local government pensions, Longevity, longevity bonds, Pension new, Pension Pound, pension pounds, Pensions, pensions, Personal Accounts, Retirement, Treasury, UK Treasury
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Salvaging the sinking boat
A new study published by Spence Johnson has drawn on insight from 46 industry thought leaders to predict futures of the Fiduciary Management model. More here: http://tiny.cc/FiduciaryEvolution
Many of the participants’ future projections included the view that a unbundled Fiduciary Solution would grow in popularity, allowing schemes to outsource certain tasks i.e. LDI, while retaining in-house duties they felt more confident in performing.
This article addresses the question of whether LDI strategies are best employed as part of an “integrated solution” or “unbundled Fiduciary Management”?
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Posted in de-risking, Fiduciary Management, Liability Driven Investment, pensions, Retirement
Tagged all hands to the pumps, corporate risk, de-risking, Fiduciary Management, implemented consulting, Liability Driven Investment, pensioners, pensions, ppf, Retirement, solvency management, wealth management
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The Ilford ruling-who won?
The Ilford ruling will require trustees to concentrate on sound investment strategies and stop the practice of securing tip-top pensions at the expense of Joe the tax-payer. It will require companies to pay more attention to the risk management of their pensions rather than relying on a Government lifeboat.
Posted in de-risking, Jersey, pensions
Tagged ageing, de-risking, Facebook, finance, Government, implemented consulting, Jersey, Linked in, pensioners, pensions, Retirement age, twitter
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