here’s what you’ve been saying
John Mather on MPs call the conflicts of cont… henry tapper on The return of the rogue adviso… RICH on The return of the rogue adviso… Andy Agathangelou on The return of the rogue adviso… DaveC on The return of the rogue adviso… John Mather on A training course to drive my… mosegas on The return of the rogue adviso… Brian G on A training course to drive my… DaveC on Financial crime – can we… John Mather on Financial crime – can we… Phil Castle on Financial crime – can we… Simon Grover on Pensions are boring – in… John Mather on Pensions are boring – in… Bethell Codrington on Concerns over the money invest… Brian G on No meat in the pie! Investment…
Tag Archives: annuity
We can’t reopen closed railways or pensions – but we can build anew
How does #CDC help the individual saver in a falling market as you claim….? @henryhtapper https://t.co/PbsnbcXwku — John Ralfe (@JohnRalfe1) December 26, 2018 When I wrote this blog on Boxing Day about “coping with falling markets” – I did not … Continue reading
Share this:
Why do people take pension choices that make them sad?
I’ve been reading a short report by Demos for Legal and General. L&G provide annuities and want to understand the fall in the numbers of annuities purchased. The retirement riddle is that the choices people are taken since the pension … Continue reading
Share this:
Why would management fees be any cheaper for #cdc than DC?
It’s a question posed by John Ralfe- to me – on twitter. It’s a serious question and one that Jeremy Cooper, doyen of the Australian Super system is clearly interested in too. The question cannot be simply answered with reference … Continue reading
Share this:
Posted in alvin hall, CDC, pensions
Tagged annuity, Blake, CDC, Financial economics, Newton, pensions, Tontine
Leave a comment
“Why Michael Johnson’s so wrong!” – Con Keating
Michael Johnson’s letter to Frank Field & Co on CDC (reproduced in full here) was a real disappointment. I had expected more; a new and closely reasoned critique, passionately believed, perhaps. What I got was a tired and repetitive rehearsal … Continue reading
Share this:
Posted in annuity, blockchain, CDC, defined ambition, defined aspiration, pensions
Tagged annuity, CDC, Con Keating, Innovation, Michael Johnson, pensions
2 Comments
What is CDC?
I’ve had a couple of calls recently for a simple explanation of what CDC is and why it could be useful in Britain today. CDC is an abbreviation for Collective Defined Contribution. A CDC scheme is created by contributions … Continue reading
Share this:
Posted in CDC, Pension Freedoms, pensions
Tagged adviser, annuity, Business, CDC, Drawdown, pensions, Royal Mail
2 Comments
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
Share this:
Posted in annuity, pensions
Tagged 401k, annuity, Colin Freeman, deferred, deferred annuity, John Ralfe, pension
3 Comments
Why insurance isn’t always right.
This is an article in preparation for publication; thoughts on it, especially from insurers would be very welcome. In it, I argue that insured solutions are not always right for us – in our retirement savings and that insurance companies … Continue reading
Share this:
Has the hardest nastiest problem in finance just got a little easier?
I enjoyed reading this serious and sensible argument by Steven Lowe of “Just”. I suspect that most financial advisers reading it will conclude, as I do, that planning an income for the final years of someone’s life is so fraught that (if … Continue reading
Share this:
Target pensions – freedom from freedoms
Last week I ran a couple of meetings of the Friends of CDC, a loose affiliation of pension people with a view that CDC can offer a solution to some of the intractable problems people face in retirement. Let’s start … Continue reading
Share this:
A time of trust – not guarantees.
About the time that I was ranting to TISA about the complacency with which we are dismantling the retirement promises made to those who were promised a DB pension based on the years they worked with the company;- this happened! … Continue reading
Share this:
Posted in CDC, DWP, FSA, Music, pensions
Tagged alex Cunningham, annuity, BHS, BSPS, DWP, FCA, Frank Field, Labour, pensions, Royal Mail, TPR, USS
3 Comments
