Tag Archives: Actuarial science
Why we expect insurers to bounce back stronger (from these reforms)
I’ve just read yesterday’s press release from PWC’s Jonathan Howe commenting on the pension reform announced in this year’s budget. “There is no doubt that the changes present very significant challenges to life insurers with a heavy reliance on annuity business, … Continue reading
Posted in advice gap, auto-enrolment, CDC, Financial Education, First Actuarial, Payroll, pension playpen, pensions
Tagged Actuarial science, Business, dc pensions, Defined benefit pension plan, DWP, Financial services, Government, National Employment Savings Trust, pension, pension playpen, pensions, Retirement
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Pensions are stopping us building houses and housing is stopping us buying pensions!
This was the 52nd pension play pen lunch and one of the best. Attended by a knowledgeable gang of social housing officers, pension consultants and a fair few bankers, the lunch group set out to answer the question “are pensions … Continue reading
Your life for sale – what a liquid annuity market could mean.
Why people like me get cross with him is that he is dangling carrots and waving sticks but the donkey is locked in the stable. To get the animal moving, Steve Webb or his successor is going to have to open the stable door. Continue reading
“Let them eat cack” – why does Government still think individual annuities can work?
Steve Webb has been at it again, suggesting that the annuity crisis could be solved if we had a one year cooling off period after we’d bought an annuity in which we could take it back (with a receipt) and exchange it … Continue reading
CDC for the people
The debate on Collective Defined Benefit has so far been a matter for politicians , academics and actuaries. Most people haven’t a clue what CDC is or how it might benefit or harm their retirements. I’ve been trying to broaden … Continue reading
Posted in CDC
Tagged Actuarial science, annuity, Business, Business and Economy, corporate risk, dc pensions, de-risking, Defined benefit pension plan, DWP, England, Financial services, Investing, Investment, Investment management, Life annuity, pensions, Retirement, Steve Webb, United States
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The value of the triple-lock,
No doubt there will be many commentators who will sneer at this promise of Cameron’s. I will not be one of them. Continue reading
In praise of young actuaries – #Momentum13
Momentum is an event organised by the Institute and Faculty of Actuaries for nearly or newly qualified actuaries, I was there yesterday speaking on the Future of Pensions. Being around talented committed people who have yet to lose the bright … Continue reading
Posted in actuaries, pensions
Tagged Actuarial science, annuity, Business, Business and Economy, Financial services, pension playpen, Retirement
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You want a workplace pension for your staff? – delighted to help!
Mrs HR Dee Smallco Ltd. Sunny Uplands GB Dear Mrs Dee, Thanks for your enquiry. I can see you are sold on the idea of offering a workplace pension for your staff. You know you have to anyway, but I … Continue reading
Posted in advice gap, auto-enrolment, Liability Driven Investment, mallowstreet, Management, NEST, pension playpen, pensions, workplace pensions
Tagged Actuarial science, Business, Clarence, Employment, Financial services, Government, Investment, Investment management, Life annuity, NEST, pension, Pension Protection Fund, pensions, Playpen, Retirement
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Whatever happened to insurance?
If the man on the Clapham Omnibus was able to feel secure that he was insured against living too long, dying too soon or losing an income through sickness, mightn’t we have a simpler and more stable platform on which to build? Continue reading
Posted in annuity, Bankers, brand, leadership, Payroll, pensions, workplace pensions
Tagged Actuarial science, annuity, annuity purchase, Business, pension, Pension new, Retirement
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How safe is my pension?
This is one of the five most commonly asked questions I’ve been asked in my time advising members of workplace pensions in the past 25 years. In that time I have only advised on one scheme where members lost their … Continue reading
Posted in brand, pensions
Tagged Actuarial science, Business and Economy, corporate risk, England, Facebook, Government, Insurance, Investing, London, pension, Pension new, Pension Poverty, pensions, Retirement, Steve Webb
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