Thanks. "The crucial difference, however, is that the ISA withdrawal is not a loan." As the two article links confirm,…
www.nber.org/system/files/working_papers/w32828/w32828.pdf While there is good evidence for automatic escalation in the US, it is not as powerful as its advocates…
"To what extent do minimum AE contributions need to increase? It would be good if everyone had contributions into DC…
Except they’re not saving into a pension, Minister unless we convert all those pots to CDC and give them what…
Tag Archives: annuity
Will CDC challenge DC workplace as the employer’s choice?
I read with great interest the Professional Pensions “Buzz ” results that asked this question and found a different result that I would have expected this time last year! Continue reading
Posted in pensions
Tagged annuity, Business, Business and Economy, CDC, DC master trusts, Pensions, R-CDC, Retirement, TPR, workplace Pensions
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Brian Henderson’s view of VFM for those getting a retirement income.
I do like Brian and his recent work features on my blog because it is sane and soothes the troubled brows of those like the intrepid hosts of this pod. Continue reading
Getting paid retirement income from investments beats annuity or even CDC (says Brian Henderson)
Brian Henderson’s wonderful decumulation VFM chart! This man is asking the right questions and though my answer to DC starts with a “C”, I know that value for most people’s existing money will come from the decumulation of the DC … Continue reading
Do we still consider defaulting to “cash-out” or “annuity-purchase” VFM?
Me and John Greenwood think alike – that the definition of their value for money is the return they get on their DC pot. In an article last week he asked why some DC pension schemes are still defaulting members … Continue reading
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Tagged accumulation, annuity, dc, default, John Greenwood, Money Purchase, Pensions, Targeting
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Pensions don’t lead to inheritance tax for anyone – it’s the pots that are the problem
There are now four ways of avoiding inheritance tax with your pension pot (s) you’ve saved over your work career If you are within a year of joining a public service* pension you can swap your pot for pension based … Continue reading
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Tagged annuity, CDC, Collectivve Pension, DB, IHT, inheritance tax, LGPS, Pensions, Policy, public sector, Tax
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The horror of letting the taxman take your unspent pension pot!
I have swum in a pool where mournful pensioners refill the water level with their tears. Bless Steve Hunt and all the others in that swimming pool. Open the article for page after page of indignation at the treasury’s designs … Continue reading
Cayman and Bermuda take on American insurance including our pensions; here’s what’s happening
Thanks to a financier in America who shares a different attitude to insurance and its regulation with us, it would be interesting if not vital were it not about insurers and reinsurers who will end up paying our wage in … Continue reading
The annuity puzzle – why’s it so divisive?
There is banter behind my back! It relates to the annuity puzzle. You want to know what that is? Please read on! Most “experts” reckon annuities are better value for their money than they were. But I don’t get the … Continue reading
A debate on the morality of Standard Life buying into its pension scheme
You may think it is a little lazy to make a blog out of other people’s comments made on a summer Sunday. But the comments are made by senior people who have experience either senior in insurance (Adrian Boulding) or … Continue reading
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Tagged annuity, Bulk annuity, buy-in, buy-out, FSCS, Insurance, Pensions, Standard Life
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I did not find this , Torsten's most impressive work (not sure it was his). But it at least remind…