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Tag Archives: annuity
Flex first-fix later – Pension PlayPen coffee morning today at 10.30am
I will be chairing this session which is hard luck on Phil Boyle as I have a number of questions about his and Steve Webbs’ proposal and am sceptical the plan can work. Isn’t this a fees-fest for advisers? How … Continue reading
“Flex First – Fix Later” – can Webb and Boyle’s proposal work?
I will be chairing this session which is hard luck on Phil Boyle as I have a number of questions about his and Steve Webbs’ proposal and am sceptical the plan can work. Isn’t this a fees-fest for advisers? How … Continue reading
If this is (pension) freedom – I’m a banana!
“Why employees need independent advice before deciding what to do with their pension freedoms”- REBA This is the headline from a leader in REBA, the employee benefit magazine. I mention “employee benefits” with a grimace, for many benefits sold to … Continue reading
Posted in pensions
Tagged annuity, Banana, FCA, Ian Hislop, IFA, REBA, Retirement income Study
2 Comments
It is time to take annuities seriously again – Billy Burrows
Annuities have always been a serious business* but since the introduction of pension freedoms in 2015 most retirees (and advisers) have not taken annuities seriously and many invested in pension drawdown rather than purchase an annuity. Annuities have been … Continue reading
Posted in pensions
Tagged annuities, annuity, Billy Burrows, Guarantee, Income, Pension Drawdown, Pensions
4 Comments
Why small pots are jeopardising state benefits
In this article I explain why it’s often best for people with small pension pots to spend their income before they get to state pension age. The over-prudent who hold back – can risk losing out on pension credit. … Continue reading
Fear Of Running Out (FORO)
We hoard against the bad times. We have only recently cleared out a cupboard of dried stuff that we bought in march 2020. We used the toilet paper eventually. A GoCompare survey found that the 6th most common fear … Continue reading
A way to manage pension freedom – from a land down under.
FCA and TPR. Please read below a post from an Australian actuary called Jim Hennington. It describes the regulatory requirements placed on providers of retirement income in Australia. I have only inserted links, to help readers not familiar with terms … Continue reading
How to stop us spending our pension pots like muppets.
When I asked Guy Opperman on Tuesday, what had happened to the 650,000 workers who’d gone missing from payrolls and benefit claims, he replied tersely “we know a little about that“. Clearly he knew the OBR’s estimate of tax receipts … Continue reading
The Pooled Annuity Fund – another way for CDC
This blog is my take on a presentation by Catherine Donnelly which was delivered to a webinar , the IFOA generally allowed me to attend. Catherine is a Professor of Actuarial Maths at Herriot Watt University. I found her presentation … Continue reading
“Retire from work, not from a pay-cheque?” Will BlackRock offer a wage for life?
As DC retirement savings plans mature they present those who save, those who look after their savings and regulators with the same challenge- “how to turn pots to pensions”. The way in which different countries save for retirement is pretty … Continue reading