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Category Archives: economics
A different approach to pension scheme solvency and funding.
Solvency and Funding This is the second of our blogs answering questions which arose from our original essay written in response to the proposed DB Funding Code. It covers issues of solvency and funding. Solvency estimation involves the comparison of … Continue reading
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Posted in advice gap, de-risking, economics, pensions, Retirement
Tagged Bond, Clacher, Equitability, Keating, Mark to Market, pensions, solvency prudence
5 Comments
Extinction , Boredom or Symposium?
Frivolity of fidelity, mindless or mindful – which will it be? I am faced this morning with stark choice. Do I cycle on the north side of the river to join responsible asset owners and Adrienne Lawlor working out how … Continue reading
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Posted in advice gap, age wage, economics, ESG, Guidance, pensions
Tagged Boring Money, Climate change, ESG, pensions, sustainability
2 Comments
Ways of staying financially strong in later life
I normally write about money, particularly about saving for retirement. Over the last couple of evenings, I’ve been lucky enough to attend two excellent discussions, not about saving, but about creating an infrastructure around you in later years that makes those … Continue reading
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Posted in advice gap, annuity, economics, pensions, Popcorn Pensions
Tagged Brian Bayliss, CSFI, ILC, L&G, Les Mayhew
5 Comments
When will they ever learn? (The CDO is back)
The FT reports (with its usual light touch ) that the collateralized debt obligation is back and being used by Global Pension Funds (and hedge funds) as an alternative to junk bonds. I question whether in its “authentic” (CLO) or … Continue reading
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Posted in economics, investment, pensions
Tagged Banks, CDO, CLO, ft, Global Pension Funds, Junk, pension funds, Structured products
2 Comments
Fund managers -Norma Cohen is still watching!
The great British financial journalist Norma Cohen rarely publishes in the FT these days, when she does, it is to great effect. This week she published a quiet and thoughtful piece on the impact MIFID II is having on … Continue reading
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Posted in Blogging, David Pitt-Watson, economics, journalism, pensions
Tagged chris sier, financial advice, ft, fund charges, fund management, jo cumbo, Norma Cohen, pensions, Terry Smith
3 Comments
What can men do to reduce gender pay inequality?
For a start they can stop “welcoming this discussion” and blathering other related clichés! If men welcomed a serious discussion on gender pay equality, we’d have been having them regularly since equal pay for both gender (for the same job) became … Continue reading
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Posted in economics, leadership, pension playpen, pensions
Tagged BBC, Biology, Equality, Female, Gender Pay, male, Reporting
5 Comments
Lifetime pricing – a broken model?
Of all the orthodoxies within pension insurance, the concept of “lifetime pricing” is the most sacred. What Lifetime pricing means for an insurance company is the promise of a stable stream of profit from an insurance policy over … Continue reading
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Posted in economics, pensions
Tagged Embedded value, pensions, Philippon, Thomas Philippon, Transparency, VFM
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Why pensions pinch your pay packet
We now know that we are unlikely to get a national pay rise for the rest of the decade. We are worse off in terms of wages than we were ten years ago. What we get paid matters and with … Continue reading
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Posted in accountants, actuaries, economics, pension playpen, pensions
Tagged costs, Pay, pension, Public Sector Pensions, Salary
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Opt in to certainty
My partner has come up with a very simple way to improve DC. Her suggestion is this. Large DC plans simply set a level of pension they can afford to pay from the funds within the plan and this is … Continue reading
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Posted in annuity, David Pitt-Watson, dc pensions, economics, pensions
4 Comments
How the banks try to f*ck us – and how we deal with them
It’s Sunday morning and I am reading a poem written around 1936 by Ezra Pound. It is about Usury , in this context the bad practice of the Medici Bank which Pound claimed screwed up the great artistic achievements of medieval … Continue reading
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Posted in economics, ezra pound, Fiduciary Management, Financial Education, Fred Goodwin, governance, happiness, pensions, poetry, Popcorn Pensions
Tagged Duccio, ezra pound, History, Medici Bank, Pietro Lombardo, Pisa, poetry, Usury
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