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Tag Archives: CDC
The nastiest problem facing master trusts – designed for workplace saving (not retirement spending)
This blog is about the reasons pension master trusts are struggling to pay pensions. The individuals above are Christoph Hirt and Laura Johns whose report for Pi Partnership can be read here. The first workplace master trust to matter was … Continue reading
Posted in pensions
Tagged CDC, decumulation, master trust, Pensions, retirement income, Standard Life
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Are Nest’s low earning customers really wanting to invest for their retirement?
Nest Insight research shows millions more low earners could be investing My guess is that the millions want to save for a pension but not invest for their retirement. I see a lot of enthusiasm among adults in the UK … Continue reading
Posted in pensions
Tagged CDC, corporate adviser, NEST, NEST insight, Pensions, state pension
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BOE “expert” scorns his Government’s CDC reform; should we have pensions like his?
I woke on a Saturday morning to this comment from someone who works at the Bank of England. It was in response to my congratulatory blog that Mercer finally have a lead consultant to promote CDC. You can read … Continue reading
Pensions drawdown in a time of stagflation? We need a pensioners club!
It got me going – what with being 64 and having a couple of DC pots I’d like to turn to pension! Thanks to Jonathan Guthrie , here’s the link to the story. Can anyone stand stagflation on their own? We’ve … Continue reading
I took her CDC baited hook and was landed by Jo Cumbo!
Following this year’s Pensions UK investment conference I was told that my press badge would not be renewed. I was not a journalist and I spent too much time expounding my commercial views and not enough the views of other. … Continue reading
Posted in pensions
Tagged CDC, ft, increases, jo cumbo, Journalist, Pensions, salesman
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Better pensions at no risk and no strain on cashflow? Why not – CFO?
I don’t often plug my blogs Once they are written I have moved on. But yesterday afternoon I had reason to talk with a friend who runs a way of helping defined benefits to stay running on and as … Continue reading
How far can we use AI in administering pensions?
Bob Ward, someone who I’ve known as a deep thinking on pensions administration since the days of Papdis and our hopes of simplifying AE contributions, has this to say as a comment on a recent blog on CDC administration of … Continue reading
Posted in pensions
Tagged administration, AI, Bob Ward, CDC, compliance, member support, Pensions
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Pensions are a larger part of our wealth (IFS). Pension wealth is higher still under CDC.
I’m not a great fan of the Institute of Fiscal Studies who have found it hard to understand pension as “wealth” . But this report has taken a step in the right direction In this IFS report, pensions hold a … Continue reading
Should I be worried about the new CDC schemes going wrong?
One of the discussions over Easter about my posts on CDC complained that I only made claims for CDC if a CDC pension scheme was “open”. I referred to the possibility of a CDC scheme entering an endgame and what … Continue reading
Can DC pensions invest for growth or should we move to CDC?
The questions discussed on the VFM blog have so far been rather less than challenging. I posted my review of the latest podcast yesterday and got this question on my blog. John is an IFA who started in the mid … Continue reading