Category Archives: de-risking

Pension Advice; it’s all about getting paid.

Posted on November 15, 2017 by henry tapper

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 →

Posted in BSPS, dc pensions, de-risking, pensions | 4 Comments

Finger in the dyke stuff! DC pricing is just too leaky Jon!

Posted on October 10, 2017 by henry tapper

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 →

Posted in auto-enrolment, dc pensions, de-risking, Debt, NEST, now, pensions | Tagged , , , , , | 2 Comments

DB pension heading for the PPF? – Read this!

Posted on May 24, 2017 by henry tapper

  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 →

Posted in de-risking, pensions, workplace pensions | Tagged , , , , , | 4 Comments

Tax-subsidies on retirement advice; a waste of public funds!

Posted on September 5, 2016 by henry tapper

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 →

Posted in advice gap, consultant, dc pensions, de-risking, defined ambition, pensions | Tagged , , , , , , , , | 4 Comments

Secondary annuities- more questions than answers

Posted on May 7, 2016 by henry tapper

  I’ve been asked for my views on secondary annuities. I asked myself would I trade my annuity. Of course, I wouldn’t, I wouldn’t buy one. I wouldn’t sell my state pension, I wouldn’t sell my rights to my defined … Continue reading →

Posted in annuity, dc pensions, de-risking, pensions | Tagged , , , , , , , , , , | Leave a comment

Paying for other people’s pensions

Posted on December 22, 2015 by henry tapper

I’ve said it before on this blog, but I’ll say it again. The amount of Council Tax many people pay to fund other people’s pensions exceeds their own contributions into pensions, even when they’ve been auto-enrolled into “workie”.   “You … Continue reading →

Posted in de-risking, Financial Education, governance, infrastucture, investment, leadership, pensions | Tagged , , , , , , | 3 Comments

Facing up to mental health

Posted on June 15, 2015 by henry tapper

This article’s by our friends at Lockton. It’s on an important subject that impacts us all! I’m really pleased they’ve asked me to put it on this blog. It doesn’t surprise me that Nigel Wilson is pioneering work on this. Like … Continue reading →

Posted in corporate governance, customer service, de-risking | Tagged , , , , , , | Leave a comment

Why DB pension promises may need a credit rating.

Posted on February 25, 2015 by henry tapper

How do you rate the creditworthiness of your scheme’s funding? Trustees of defined benefit schemes now have to properly assess the employer’s ability (and willingness) to fund the promises made to the members of the scheme. The assessment helps them in negotiations with the … Continue reading →

Posted in de-risking, defined ambition, Pension Freedoms, pension playpen, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Going for the “no”.

Posted on December 3, 2014 by henry tapper

  I spent yesterday lunchtime in the challenging company of Saul Djanogly , a Rabbi who looks after investment portfolios for those who can’t look after themselves- typically those who have been incapacitated through personal tragedy and find themselves in … Continue reading →

Posted in de-risking, Henry Tapper blog, pension playpen, pensions | Tagged , , | Leave a comment

“Investing for the long-term” – guest blog from Ralph Frank

Posted on November 26, 2014 by henry tapper

The Financial Services Consumer Panel (“FSCP”) recently published a number of suggested options for reform of the governance, disclosure and pricing of investment products.  These options were based on the findings of two studies, one by Rajiv Jaitly and the … Continue reading →

Posted in annuity, dc pensions, de-risking, NEST, Payroll, pensions, Pensions Regulator | Tagged , , , , , , , , , , , , | Leave a comment