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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
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
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
Posted in alvin hall, CDC, pensions
Tagged annuity, Blake, CDC, Financial economics, Newton, pensions, Tontine
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“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
Posted in annuity, blockchain, CDC, defined ambition, defined aspiration, pensions
Tagged annuity, CDC, Con Keating, Innovation, Michael Johnson, pensions
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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
Posted in CDC, Pension Freedoms, pensions
Tagged adviser, annuity, Business, CDC, Drawdown, pensions, Royal Mail
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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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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
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
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
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
Posted in CDC, DWP, FSA, Music, pensions
Tagged alex Cunningham, annuity, BHS, BSPS, DWP, FCA, Frank Field, Labour, pensions, Royal Mail, TPR, USS
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