Tag Archives: 401k

American “DB Pension Plan Baloney”! An American reminds us how lucky we Brits have been.

Posted on September 10, 2026 by henry tapper

This is a comment on my blog be our American correspondent “Benefit Jack”. He is responding to an article first published in the Wall Street Journal explaining how United States  pensions are becoming more popular. But American pensions  are not … Continue reading →

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Collective Pensions are returning in the US too – and for the same reason as the UK.

Posted on September 8, 2026 by henry tapper

I was passed this article by a friend who has a predilection for pensions (as I do). The Americans have yet to discover the CDC variant as their “pension” has the guarantees of what we call “defined benefit. But the … Continue reading →

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US employers can’t tell if their DC plans are working- just like us!

Posted on August 6, 2026 by henry tapper

  This is an extraordinary finding by WTW. It says a lot about the inability of  those paying into so called pensions and the “value for money” calculation! WTW’s work tells me that the great experiment in providing people with … Continue reading →

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Jack explains plans American retirement plan loans

Posted on January 19, 2026 by henry tapper

This article came from a comment by Jack Towarnicky It comes as we consider the question  raised by timothy Lancaster;-  “should we help employees in debt before encouraging saving.” I don’t know what the rules are in the UK, but … Continue reading →

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The American view of Dutch Pensions – tickled!

Posted on January 12, 2026 by henry tapper

January 2026 , Collective defined Contribution CDC, International Today’s financial Goldilocks moment—with strong equity returns and robust fixed income yields—creates favorable conditions for the Netherlands to complete its long-planned switch from traditional private defined benefit plans to ‘collective defined contribution. ‘You can almost … Continue reading →

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OMG – does High Earners Not Rich Yet spell out …. HENRY?

Posted on August 16, 2025 by henry tapper

I have gone through 63 years of life without knowing that this is what I stand for! Key Takeaways High earners, not rich yet (HENRYs) are people who have high incomes ($250,000 and $500,000) and the potential to be wealthy … Continue reading →

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DC pensions need liquidity, here’s the price you may pay in pension

Posted on August 14, 2025 by henry tapper

Private markets in my Pension – yes please The idea of investing in pensions is that the money stays invested over time. I have argued that when DC schemes start paying pensions they do so on a collective basis. If … Continue reading →

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Pension Bee finds US much the same in New York as London

Posted on July 10, 2025 by henry tapper

Oh yes New York consumers are reckoned savvy – they probably think we Londoners are too. But what ties us together is we are stupid and funny! I am a fan of Pension Bee, they are a successful pension company … Continue reading →

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The “Air Miles First” approach to sustainable investing.

Posted on April 19, 2022 by henry tapper

  Just how serious are American investment houses in saving the planet? No doubt delegates to this conference consider the concept of a “fly-in” pretty cool. Delegates get to meet each other in a Washington Conference Hotel having flown in … Continue reading →

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Retirement planning , a rare instance of Britain leading the USA.

Posted on April 19, 2022 by henry tapper

I am surprised by how little we have to learn from the American pension system. Thanks to David John for sending out a link to this article from the National Association of Plan Advisors. This is taken from  MICHAEL P. BARRY’s  … Continue reading →

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