Category Archives: risk

Weathering the Storm

Posted on September 13, 2020 by henry tapper

Iain Clacher & Con Keating As part of our Funding Code research, we searched for academic or practitioner papers covering long-term expected returns forecasts. We were particularly interested in the ex post accuracy of these forecasts. We found none which … Continue reading →

Posted in actuaries, advice gap, age wage, pension genome, pensions, risk | Tagged , , , , , | 2 Comments

Payroll into battle!

Posted on April 20, 2020 by henry tapper

  April 20th 2020 will live long in the memories of payroll. The Furlough has begun! Here is Barry Matthews – payroll enthusiast and BDD of PayCircle and his call to arms! Monday morning 20th April 2020, payroll teams across … Continue reading →

Posted in accountants, leadership, Payroll, pensions, risk | Tagged , , , , , , , | Leave a comment

Con Keating; the purpose of a pension scheme

Posted on September 26, 2017 by henry tapper

This article is published with the kind permissions of Dr Keating and Professional Pensions (in which it first appeared). Given its length and subject matter, Iain Clacher, Andrew Slater and I were surprised, and flattered, by the number of downloads … Continue reading →

Posted in pensions, Pensions Regulator, Retirement, risk | Tagged , , , , , | 4 Comments

GO ROBO!

Posted on June 14, 2016 by henry tapper

The robots are here! But not in the Terminator sense. Think, rather, of Asimov’s creations. Or, for the less nerdy, Rosie from The Jetsons: benevolent machines, doing our hard work but better, faster and more reliably. Across almost all sectors, … Continue reading →

Posted in pensions, Retail Distribution Review, risk | Tagged , , , , , , | 4 Comments

Philip Green – Maxwell II

Posted on April 28, 2016 by henry tapper

In a remarkable article in the FT, Conservative MP for Haltemprice and Holden, David Davis brands Phil Green’s behaviour at BHS as … the dark side of capitalism: increased borrowing and payment of ever bigger dividends; risk transferred from the private … Continue reading →

Posted in pensions, risk | Tagged , , , , , , , , | 3 Comments

The day the IGCs had their picnic

Posted on October 29, 2015 by henry tapper

Apparently yesterday was the day the IGCs had their picnic or whatever they do when they congregate at some legal temple in the City. The IGC’s – let’s be reminded – were set up by Government to keep the insurers … Continue reading →

Posted in governance, pension playpen, pensions, risk | Tagged , , , , , , , , , , | Leave a comment

Simplifying AE – why the workforce assessment IS worth it

Posted on August 13, 2015 by henry tapper

The Government is calling for ideas to simplify auto-enrolment.  I had an interesting discussion with a senior payroll policy lobbyist yesterday. She argues that the “workforce assessment” is too problematic to become part of the normal payroll function of Britain’s … Continue reading →

Posted in accountants, advice gap, auto-enrolment, DWP, pensions, Pensions Regulator, risk, Ros Altmann, welfare | Tagged , , , , , , , , , , , , , | 1 Comment

Knowing the “money” in “value for money”.

Posted on March 4, 2015 by henry tapper

At last we may get to know what we really pay for the management of our funds so we can work out it it’s worth it. Continue reading →

Posted in accountants, actuaries, annuity, investment, pensions, Pensions Regulator, risk | Tagged , , , , , , , , , , , , , , , , , | 1 Comment

A code of good practice for transfer advice?

Posted on February 26, 2015 by henry tapper

  We are rubbish at financial risk and we know it. We take decisions on financial matters with as much confidence as betting on the horses and if our horse falls at the first we blame everyone but ourselves! Small wonder that … Continue reading →

Posted in reward, risk | Tagged , , , , , , , , , , , , , , , , , , | 11 Comments