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Monthly Archives: May 2025
What’s “Optimum” for Aussie savers when they want to spend
We get a lot from Australia around accumulation, it’s a nice model for commercial pension schemes as it’s mandating ever increasing contributions. But what is more interesting for Great Britain is the work that’s going on on retirement income. Here … Continue reading
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What the hell is going on with long-dated gilts?
The UK government is shifting to shorter-term borrowing to lower its interest bill as a global debt sell-off adds to the pressure on its tax and spending plans. Jessica Pulay, head of the UK’s Debt Management Office, said the agency … Continue reading
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Regs and maths make run-on compelling for pensions; 10.30 this morning
Britain may not have no more passionate supporter of the DB pension continuing than William McGrath. But the DWP and Pension Minister are running him close with their press release insisting that pension schemes that can continue should! Over … Continue reading
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Auto-enrolment – the good news and the shortfall V SERPS (Pt 11)
Over the past weeks I have been going through the FCA’s Financial Lives Survey and delving into some of the more difficult areas of pensions for ordinary people. I will be publishing shortly an index of the blogs I have … Continue reading
Too little, too late: Experiences of income adequacy in later life
There are increasing numbers of older people living with incomes that fall short of recognised measures of minimum living standards. Ensuring an income that enables an older person to live with dignity, choice and purpose should be a priority. With … Continue reading
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McGrath – Pension Regulation and Maths – Tomorrow – 10.30am;
Britain may not have no more passionate supporter of the DB pension continuing, though the DWP and Pension Minister are running him close with this week’s press release insisting that pension schemes that can continue do! Over the past weeks … Continue reading
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FCA’s Financial Lives on the smart decumulators and their advisors (pt 10)
It’s a tough agenda as since the introduction of Pension Freedoms in 2015 the behaviour of savers has included cashing in the pot as well as drawing down cash, swapping from an annuity and using the pot as an insurance … Continue reading
VFM podcast , Evershed’s Jones, LCP’s Hodder and Oasis reforming.
This blog touches on inter-generational fairness and asks that we look at private pensions as a whole. There are some who consider DB and DB surpluses, some the new stars of the DC world (the Master Trusts) but people did … Continue reading
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Trust in pension “providers”; FCA tell tales of consolidation (pt 9)
There is a lot of advertising budget spent on transferring pots for no reason than name awareness. This annoys those who don’t do it (Patrick Heath-Lay of People’s Pension in particular) as it preys on trust (or lack of it). … Continue reading
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What do Canadians see in Britain that we don’t!
I’ve quoted this headline from Julian Bovill as it is relevant. This is from the FT courtesy of Mary McDougall Canada’s second-largest pension fund plans to invest more than £8bn in the UK over the next five years, in a … Continue reading