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Tag Archives: CDC
The end for the group personal pension?
John Lapin writes an article I had hoped would be published by a serious magazine like Corporate Adviser. You can read it here . This is from John Lappin, a most challenging author. The Group Personal Pension had its day … Continue reading
I’m glad a CDC scheme can’t have a surplus or a deficit.
For as long as I’ve been a pension consultant the discussions have focussed on the funding of defined benefit schemes. Over the past 40 years we’ve swung from surplus to deficit to surplus (where we are now). Each time we … Continue reading
Mallowstreet argue that DC members “might have a claim to DB surplus”.
This reinforces what I have been saying, though I’m not sure that trustees are legally obliged to do anything. The word “must” is maybe a little strong for trustees, the word “claim” a little strong on DC savers! Here’s Sandra’s … Continue reading
Women can explain CDC more gently but just as robustly as us men!
Thanks to Sophie Dapin, who you’d never guess is an actuary! I mean this as a compliment! I’m going to see her talk next week but don’t have to wait as I’ve found this 8 minute clip thanks to Laura … Continue reading
The PAGA “Rabble” meet to progress collective pensions
PAGA is a group of pension professionals who set out the case for growth needed for pensions to pay what people need to live on in later life. It has through many meetings looked at the economics of running a … Continue reading
Posted in pensions
Tagged Bob Compton, CDC, DB, Gurbani, John Hamilton, PACA, William McGrath
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Damian, most of us need help to get a decent wage in retirement!
Last Sunday lunchtime I sat in front of a group of 100 delegates at a fringe meeting of a union conference. We talked about them wanting their pensions back, of how they and their children could get paid a wage … Continue reading
DB Surpluses could and should make pensions fairer for the young
We talk about pension gaps; gaps between men and women, gaps between public and private sector pensions, but we are careful not to offend employers who have relics of defined benefit (an enormous burden) pensions and ongoing workplace pensions ( … Continue reading
A major manager takes CDC seriously. Will assets move en masse from DC to CDC workplace pensions?
I published this article last week and no one read it! I’ll try again, this time with a little more focus. If you want to know the impact that CDC is beginning to make on the market – read on. … Continue reading
“Guided Retirement” will be hard work!
I’m a fan of Joey’s message from TPR in advance of the PPI’s report on the defaults that should help savers in turn pots to pensions. I’m a 64 year saver with a pot and no guided retirement yet. It … Continue reading
Posted in pensions
Tagged CDC, decumulation, Guided retirement, landscape, pension, PPI, Segmentation
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Why was a fringe meeting packed-out for a new pension?
I have to admit to expecting to talk to an empty room. There were over a hundred chairs laid out when I arrived at a Brighton Conference Centre lunchtime meeting on a new pension called CDC. Within a couple of … Continue reading
Posted in pensions
Tagged CDC, Christine Daniell, Neil Walsh, Pensions, Prospect, Prospect Union, Sue Ferns, Terry Pullinger, Wage in retirement
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