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Category Archives: Liability Driven Investment
Re-engaging employers with their staff pensions
Once it was so simple. Good employers offered good pensions and lousy employers didn’t. The good employers congregated at NAPF conferences and congratulated themselves and an industry fed on the easy money growing within these plans. But then came lower … Continue reading
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Is the game up for active fund management?
The Department for Communities and Local Government announced yesterday that £85bn of actively managed assets could be transferred to passive management and that the fund of fund structures could be collapsed into a collective investment vehicles. This is very significant … Continue reading
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A promise or a guarantee?
If Steve Webb wants AE to work, he should stop turning promises into guarantees and burdening employers with unforeseen liabilities and huge consultative and administrative costs. Continue reading
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Posted in actuaries, auto-enrolment, corporate governance, EU Solvency II, Fiduciary Management, leadership, Liability Driven Investment, pension playpen, Popcorn Pensions, steve webb
Tagged Benefit, Business, Business and Economy, dc pensions, de-risking, Defined benefit pension plan, Guarantee, pension, Pension new, pension playpen, Retirement, Steve Webb
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You want a workplace pension for your staff? – delighted to help!
Mrs HR Dee Smallco Ltd. Sunny Uplands GB Dear Mrs Dee, Thanks for your enquiry. I can see you are sold on the idea of offering a workplace pension for your staff. You know you have to anyway, but I … Continue reading
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Posted in advice gap, auto-enrolment, Liability Driven Investment, mallowstreet, Management, NEST, pension playpen, pensions, workplace pensions
Tagged Actuarial science, Business, Clarence, Employment, Financial services, Government, Investment, Investment management, Life annuity, NEST, pension, Pension Protection Fund, pensions, Playpen, Retirement
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When pensions de-mutualise
When you take the mutuality out of pensions , you take good pensions out of mutuals. Continue reading
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Do investment consultants need qualifications?
failure cannot be attributed to poor investment consultancy, more to an absence of investment consultancy where it matters Continue reading
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Posted in actuaries, auto-enrolment, Bankers, corporate governance, dc pensions, de-risking, Financial Education, Liability Driven Investment, mallowstreet, pensions
Tagged CFA, Chartered Financial Analyst, Financial services, IMC, Independent Financial Adviser, Investment, Investment management, Professional certification
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More cobblers from investment experts on DC pensions
I am afraid I have to report yet more moronic thinking from the investment community showing their disconnect with the ways and means of everyday folk. Example one is from Lyxor, who used to be called Societe Generale until they screwed … Continue reading
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Posted in auto-enrolment, Bankers, club pension, Consolation, dc pensions, defined aspiration, happiness, Liability Driven Investment, mallowstreet, NEST, pension playpen, pensions, Personal Accounts, Public sector pensions, with-profits
Tagged Business, City, Funds, Investing, Investment, Paul Black, pension, Pension fund
8 Comments
Why we need to say “NO” to pension guarantees!
On Monday the Institute and Faculty of Actuaries delivered a paper stating that it would be able to deliver a system of lock-in guarantees at a price of less than 1% pa of the fund that could be used by … Continue reading
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Posted in actuaries, annuity, auto-enrolment, Bankers, club pension, corporate governance, customer service, David Pitt-Watson, dc pensions, defined aspiration, EU Solvency II, FSA, happiness, Liability Driven Investment, NEST, pension playpen, pensions, Personal Accounts, Retirement
Tagged Capital market, Financial Times, Government, Jarvis Cocker, National Employment Savings Trust, pension, Pensions in the United Kingdom, Steve Webb
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Sorting the pensions of the “squeezed middle”.
There are three distinct streams among those old enough to work and young enough not to, Stream One is for those who can look forward to retirement with a degree of confidence because their employer is guaranteeing it. They are primarily … Continue reading
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Posted in annuity, Bankers, corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, FSA, Henry Tapper blog, Liability Driven Investment, Martin Lewis, NEST, pensions, Personal Accounts, Retail Distribution Review, Retirement
Tagged Government, Insurance, Open Market Option, pension, Pensions Management Institute, Retirement, Single-stream recycling, Solvency II, Stream, Tom McPhail, Treasury
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Meaningless choice
“choices should only be offered where they are meaningful, timely and can be taken in the full understanding of both up and downside”.
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Posted in annuity, corporate governance, customer service, de-risking, Fiduciary Management, Liability Driven Investment, NEST, Retail Distribution Review, Retirement
Tagged Business, Debora Price, Decision making, Eagle Star, Eagle Star Insurance, Einstein, Employment, Fiduciary Management, Financial Capability, Financial literacy, Financial services, Galileo, Gallileo, Newton, pension, Quantitative easing, Social group, trustee, United States, Wittgenstein
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