Tag Archives: ageing

Is increasing complexity making pension saving harder ? – guest blog by Ralph Frank.

Posted on August 12, 2015 by

The most conclusive finding of a recent survey by PwC into pensions taxation was not even related to the respondents’ views on the central question of the survey (namely, the most appealing tax scenario for their pension)! Sixty percent of … Continue reading →

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Pension’s day of reckoning draws nigh!

Posted on July 25, 2015 by

April 6th 2016 should be a date with a red circle round it on any pension’s office calendar. It’s the day when contracting-out officially comes to an end- “cessates” – is no more. It is also the date when the … Continue reading →

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Who’s risk is it anyway? How Canada and Britain are dumping pension risk

Posted on May 25, 2015 by

I’m off to Manhattan to talk to a couple of hundred Canadian pension experts. This is broadly what is going to be said, I’ll be sharing the stage with a couple of Canadian pension experts and (if you open the presentation), … Continue reading →

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Time to move on?

Posted on May 13, 2015 by

This election was brutal. Gregg McClymont knew his fate but Steve Webb’s defeat was a shock to us all – sadly electors don’t wear pension goggles. Just as we were resigning ourselves to BAU,  David Cameron announced Ros Altmann’s appointment … Continue reading →

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If all you had was all you have – how long could you last? Guest blog from VIVI

Posted on December 19, 2014 by

When I am invited to speak with young entrepreneurs on behalf of Blackbullion I always ask them how long they could last on their savings. It really does take twice as long and cost twice as much as expected to … Continue reading →

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The time to clean up drawdown’s NOW!

Posted on November 26, 2014 by

We owe it to ourselves as Pension Professionals to make sure that we treat our customers fairly. Over the past three years we have seen a move to restore confidence in pensions, the RDR, auto-enrolment and the pension freedoms introduced … Continue reading →

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TLAs, the FCA, IGCs & TCF. WTF?

Posted on October 11, 2014 by

  This blog is by Ralph Frank   The financial services industry excels at producing Three Letter Acronyms (“TLAs”). One TLA that is likely to become an established part of pension lexicon is ‘IGC’. Independent Governance Committees (“IGCs”) are governance … Continue reading →

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What is better than sport?- nothing (apart from one thing)

Posted on December 3, 2011 by

Five a side Rockets v the Incredibles. Rockets move to within three points in the Rocks Lane 5 a side league *U14* after a fab 9-4 win, Fleetwood 2 v Yeovil Town 2. YTFC give a way a 2-0 lead in … Continue reading →

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Is DB Bankrupt?

Posted on September 6, 2010 by

Sept 2nd -St Stephens Club- Nick Spencer, GAM’s supremo makes startling assertion “DB is bankrupt” no investment strategy can return the typical DB plan to solvency. Sept 6th- Pension Playpen Lunch in Cornhill- 14 pension professionals sit down to discuss the issue over a pint … Continue reading →

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The new consensus on when we can retire

Posted on June 27, 2010 by

It is only a matter of time for sponsors to have their Damascan moment and suggest to their trustees that a flexible retirement age is equally applicable to working practices and the payment of pensions Continue reading →

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