Category Archives: Personal Accounts
How to boil a frog- tax changes for pensions
Of course the best way to boil a frog is to put it in cold water and heat the water to boiling point, putting a frog in boiling water will result in the frog jumping out of the pot.
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Posted in corporate governance, customer service, David Pitt-Watson, dc pensions, NEST, Payroll, pension playpen, Pension Rocks III, pensions, Personal Accounts
Tagged Boiling, Business, Home, Life expectancy, pension, Pension new, Personal Finance, Retail Prices Index (United Kingdom), Retirement
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What’s my “NEST” egg going to be worth?
While we continue to debate what a national savings scheme should be called, pensioners continue to shiver and the nation is no closer to a pensions solution for lower earners than when stakeholder pensions were first mooted 14 years ago. Continue reading
“I have looked over the cliff and I have seen DC”
It may have taken ten years but the precipitous drop to DC is now no joke. 2010 is likely to be a tipping point for many workplace pension schemes. Here are my personal predictions for the year ahead. Continue reading
Posted in dc pensions, pensions, Personal Accounts
Tagged annuities, dc pensions, DGF, EU Solvency II, Facebook, Local government pensions, Pension new, pensioners, pensions, Personal Accounts, twitter
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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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I’d trust a “contract” but not a “Fiduciary”
The terminology we use “fiduciary, instituional, custody” is not a language that prevails among lay trustees- it is the language of the legal and financial communities. “Fiduciary” in particular is a bad word, as an adjective it denotes “trust and confidence” but intimidates and alienates everyday people- too many vowells, too many syllables and not enough Anglo Saxon gutterality! It says “difficult, opaque and self-absorbed”.
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Posted in dc pensions, de-risking, Liability Driven Investment, Personal Accounts, redington, Retirement, social media
Tagged corporate risk, dc pensions, de-risking, Liability Driven Investment, Pension new, Pensions, Persnal Accounts, Personal Accounts, redington, Retirement, social media
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