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Category Archives: defined ambition
“Why Michael Johnson’s so wrong!” – Con Keating
Michael Johnson’s letter to Frank Field & Co on CDC (reproduced in full here) was a real disappointment. I had expected more; a new and closely reasoned critique, passionately believed, perhaps. What I got was a tired and repetitive rehearsal … Continue reading
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Posted in annuity, blockchain, CDC, defined ambition, defined aspiration, pensions
Tagged annuity, CDC, Con Keating, Innovation, Michael Johnson, pensions
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CDC – the nuclear fission of the pension system.
The way we safeguard our pensions today This blog looks at the different way people are protected from mischief depending on what type of retirement savings plan they are in. I’m thinking about this because I have various meetings … Continue reading
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Posted in actuaries, advice gap, CDC, defined ambition, pensions
Tagged CDC, DB, dc, Defined Ambition, Freedoms, nuclear fusion, 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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Pensions Resurgent! The merit of the CWU’s proposals to the Royal Mail
For the third day I am returning to the CWU’s proposals to the Royal Mail which I now consider the most important break through in pension scheme design we have seen in Britain this century. I base this on three … Continue reading
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Posted in actuaries, advice gap, David Pitt-Watson, dc pensions, defined ambition, defined aspiration, pensions
Tagged CDC, CWU, David Pitt-Watson, Defined benefi, Eddy Truell, equities, Infrastructure, Linked in, pension, pensions, PIC, Royal Mail
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Of nuclear deterrents, sledgehammers and nuts – (DWP Select on DB)
The 90 page report on the state of our defined benefit pension schemes is published this morning. From first to last it is the work of Frank Field, it begins with BHS and ends with BHS, the confrontation with Philip … Continue reading
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Posted in defined ambition, DWP, pensions, Pensions Regulator, workplace pensions
Tagged Derek Benstead, DWP, FABI, Frank Field, knee jerk, Nut, ppf, Sledgehammer
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“The Gold Star DC Pension Plan” – awaiting conception!
That good chap Jonathan Stapleton who runs mags for Incisive has asked me for my view on what makes for a gold star DC pension scheme. I’ve submitted 150 words which I hope will find their way into a … Continue reading
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Posted in CDC, dc pensions, defined ambition, pensions
Tagged Dave Brailsford, dc, Defined Contribution, Fiona Dunsire, Gold star, pensions, PQM
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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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Good retirement outcomes depend on collective solutions
The FCA have called for evidence on the likely success of our current “at retirement” strategy, this response is consistent with what this blog has been saying for some years, collective problems need collective solutions, the market is not enough, … Continue reading
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Posted in CDC, David Pitt-Watson, dc pensions, defined ambition, defined aspiration, FCA, pensions
Tagged CDC, collective, Drawdown, FCA, Pension Freedoms, Pension Wise, pensions, Retirement, robo-advice, TPAS, unadvised drawdown
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Companies count the cost of pension freedoms
Pension freedoms are … creating a human resources burden, the CBI said, as company leaders try to ensure their older staff do not spend their pension pots early and face hanging on to their jobs when they should have retired. “Even … Continue reading
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Posted in advice gap, dc pensions, defined ambition, defined aspiration
Tagged CDC, Defined Ambition, flat-rate tax-relief, Pension Freedoms, pensions, Tax, TEE
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Whose risk is it anyway?
No matter how we look at it – we do not- and will not- live in a command economy. That means we have to take decisions for ourselves rather than be told how to live our lives. If you want … Continue reading
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Posted in CDC, dc pensions, defined ambition, Management, Money Advice Service
Tagged apples, choice, dc pensions, de-risking, DWP, Employment, Financial services, Government, pension, Pension Freedoms, Pension new, Pension Wise, Retirement, Ros Altmann, Tax
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