Tag Archives: CDC
What’s unique about a pension? I don’t want to be in a cohort of one!
Here is where the problem is. Large consultants are looking to create a new kind of retirement income service , where what is delivered is unique to each person. Let’s not get carried away.There is nothing unique about the state … Continue reading
The Dutch have taught us how to do CDC (we’ll learn from their mistakes!)
The Dutch experience is often cited as a good reason not to use CDC to improve pensions. LCP say it’s a good reason for us to go CDC by learning from their mistakes. In the second of two essays from … Continue reading
How robust is CDC to different market conditions? – LCP looks at the last 80 years
CDC investment strategy is twice as important as the contributions paid. – say LCP. I am understanding the history of money with them in the second part of their epic on the feasibility of CDC I am really pleased that … Continue reading
Why is WTW’s retirement CDC not getting the thumbs up?
We always need analysis to help us make choices. We are getting a lot from WTW about decumulation CDC and the numbers don’t look anything like 60% better for CDC if you wait to swap your pot for a CDC … Continue reading
TPT on the VFM podcast (DB, DC , mastertrust, superfund and CDC)
I think I deserve a medal for lasting the full 83 minutes + of this blog but I did and though it didn’t talk about what I wanted to know more about (CDC and superfunds), it was good to hear … Continue reading
DC offers flexible income while CDC provides deferred pay (the genius of Derek Scott)
Here’s my friendly Scottish Accountant and Pension Trustee – Derek Scott, reminding me that for many people, the ideas of salary and pensions as “deferred pay” are old fashioned I think, since Barber vs GRE in 1990, you’ll find that … Continue reading
Inheritance tax and Death in Service Benefits
I tend to trust material coming from First Actuarial. It is simple and clear. It’s good to see a note on social media on a topic that created uncertainty for millions of workers whose dependents will get a lump sum … Continue reading
Posted in pensions
Tagged CDC, DB, Lee French, Life Assurance, personal pensiosn, Sam Mullock
6 Comments
Should we have to turn pots into a pension? Sharp minds struggle with Bill Sharpe’s problem!
For the past 10 years I have struggled with a pension pot that I cannot turn into a pension . I do not want an annuity, it is not a good deal. I spent two years working with Pension Superfund … Continue reading
“Well said Maggie!” An elderly trustee chair speaks out for Maggie Rodger, the AMNT and independence
PensionsOldie has spoken out in a comment to my blog on trustees being for members not just compliance The reference to Maggie’s Farm does not refer to Maggie Rodger but to the rubbish workplace that Bob Dylan imagines himself in … Continue reading
Posted in pensions
Tagged AMNT, CDC, DB, dc, Pension Oldie, Pensions, Professional Trustees
2 Comments
I hope professional trustees will come to CDC independently
I was surprised to see a firm of professional trustees promoting itself with WTW , who are consultants but also providers of DC services through LifeSight . I have heard WTW present CDC as an extension of Lifesight , with … Continue reading