Tag Archives: 401k
Jack explains plans American retirement plan loans
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
The American view of Dutch Pensions – tickled!
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
OMG – does High Earners Not Rich Yet spell out …. HENRY?
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
DC pensions need liquidity, here’s the price you may pay in pension
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
Pension Bee finds US much the same in New York as London
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
The “Air Miles First” approach to sustainable investing.
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
Retirement planning , a rare instance of Britain leading the USA.
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
Something “DC” that John Ralfe and I agree on!
I sometimes think John and I will never agree, I am forever looking at the world half full and he “half empty”, where I see opportunity, he sees danger, where he sees certainty, I see parsimony. But when John posted … Continue reading
Posted in annuity, pensions
Tagged 401k, annuity, Colin Freeman, deferred, deferred annuity, John Ralfe, pension
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An American view on the collapse of “traditional pensions”.
This article was first published in the NEW YORK TIMES under the headline The Real Reason the Investor Class Hates Pensions No issue in America today better illustrates the divergent interests of working Americans and the 1 percent than pension … Continue reading
Why we need to see the workplace pension IMAs.
This article relates to US DC managers (fiduciaries). It shows just how seriously the USA is taking the obligations of fiduciaries towards members of workplace pensions. This article calls for UK fiduciaries (Trustees and IGCs) to be given the opportunity to … Continue reading