Monthly Archives: March 2026
TPT on the VFM podcast (DB, DC , mastertrust, superfund and CDC)
I think I deserve a medal for lasting the full 83 minutes + of this blog but I did and though it didn’t talk about what I wanted to know more about (CDC and superfunds), it was good to hear … Continue reading
What matters most to people about the state pension?
The state pension age matters to everyone still to get it. I worked most of my life expecting to receive my state pension when I’d be 65; I’d be a pensioner in 8 months time had that conjecture held true. … Continue reading
Could the triple lock be scrapped… and should it be?
Industry veteran HENRY TAPPER gives his verdict By HENRY TAPPER Henry Tapper is a retirement industry veteran, chairman of pension research firm AgeWage and president of Pensions Mutual. The Pensions Minister Torsten Bell is hinting that he will drop one … Continue reading
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The Death of the British Steel Pension Scheme – an obituary from David Boyd.
David Boyd is a member of the NFOP British Steel Branch, The National Federation of Occupational Pensioners has over 30,000 members and provides a voice for people in retirement. This is his obituary of his pension, being a pensioner of the … Continue reading
Pension Mandation and “the irrelevance of the Lords as a talking shop”
Guy Opperman may not be a part of the Labour Government but he understands how governments work and why the protest from those arguing for fiduciary freedom will not be granted the amendment the House of Lords has sent downstairs … Continue reading
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Tagged Guy Opperman, House of Lords, Irrelevent, Labour, Mandation, Pensions, ping pong, Torsten Bell
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DC offers flexible income while CDC provides deferred pay (the genius of Derek Scott)
Here’s my friendly Scottish Accountant and Pension Trustee – Derek Scott, reminding me that for many people, the ideas of salary and pensions as “deferred pay” are old fashioned I think, since Barber vs GRE in 1990, you’ll find that … Continue reading
What matters more to us – our pension on day one or how it increases?
Increasing rates of a pensions at inflation (CPI) is half the liability of a pension promise says my friend and colleague Chris Bunford. Another actuary, Andy Young makes the point that we do more than promise inflation protection with the … Continue reading
What’s wrong with life assurance paying your tax?
Yesterday I published a simple article about employers being able to pay for assurance that pays if you die when employed (in service). You can read it from this link Some people need to take out assurance for themselves. Maybe … Continue reading
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Inheritance tax and Death in Service Benefits
I tend to trust material coming from First Actuarial. It is simple and clear. It’s good to see a note on social media on a topic that created uncertainty for millions of workers whose dependents will get a lump sum … Continue reading
Posted in pensions
Tagged CDC, DB, Lee French, Life Assurance, personal pensiosn, Sam Mullock
6 Comments
Should we have to turn pots into a pension? Sharp minds struggle with Bill Sharpe’s problem!
For the past 10 years I have struggled with a pension pot that I cannot turn into a pension . I do not want an annuity, it is not a good deal. I spent two years working with Pension Superfund … Continue reading