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Tag Archives: CETV
The breach of trust the FCA has yet to address
The MP’s Nick Smith and Stephen Kinnock held a press conference yesterday to remind the FCA that 3 years after the hard closure of “Time To Choose” , steelworkers are still waiting for something to happen by way of compensation … Continue reading
DB transfers;- we understand the crime – but not the causes of crime.
The FCA has published the second of its analyses of the DB transfer market which shows how the trend to “de-risk” DB liabilities by buying out liabilities through CETVs has continued apace. This article argues that – blameworthy … Continue reading
Posted in pensions
Tagged actuaries, Bankers, BSPS, CETV, corporate advisers, de-risking, FCA
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Weathering the Storm
Iain Clacher & Con Keating As part of our Funding Code research, we searched for academic or practitioner papers covering long-term expected returns forecasts. We were particularly interested in the ex post accuracy of these forecasts. We found none which … Continue reading
Posted in actuaries, advice gap, age wage, pension genome, pensions, risk
Tagged #USS, CETV, DB transfers, ppf, Ralph nader, USS
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Why I don’t support LCP and Royal London’s calls to boost DB transfer advice
LCP and Royal London jointly presented to an audience of 300 industry professionals yesterday on the vexed topic of “helping members get transfer advice”. The webinar can be watched here and as you’d expect from these organisations, this was … Continue reading
Posted in advice gap, age wage
Tagged #pensions, CETV, DB transfers, Pension Freedoms, Pensions
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Shouldn’t pensions “stay at home”?
Should we stop transfers for the next 6 months? Yields are down, markets are down, has there ever been such a time to transfer your pension rights? That’s what many people may be thinking and if you were a … Continue reading
Posted in advice gap, age wage, FCA, Financial Conduct Authority, pensions, Pensions Regulator
Tagged CETV, FCA, Pensions, Ros Altmann, TPR, transfer-value
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Putting “transfer” in employer’s heads
Since 2012, the industry has self regulated pension transfer exercises where employers offer staff a financial incentive, to quit good quality schemes. Industry leaders are now calling for the Govt to intervene after saying self-regulation is failing https://t.co/sSwvLQG94A — Josephine … Continue reading
FCA plan to get tough on poor transfer advice
Two unexpected things happened yesterday; SJP’s candidate for the “fireside chat” with the FCA – went sick (with no replacement offered) and the FCA published their market- wide data results for defined benefit transfers. Together this meant my fireside chat … Continue reading
Contingent charging – “commission” by another name?
Along with Al Rush, Jo Cumbo , Michelle Cracknell – I was interviewed yesterday by the BBC Moneybox team for a Christmas special on pension transfers. It’s always good doing these things as it forces you to say what you … Continue reading
Some odd things about partial transfers.
There’s a debate going on between Al Rush, Jo Cumbo, Steve Webb and a number of others with regards partial transfers from defined benefit schemes. Want to go 50:50 with a “final salary” pension transfer? Ford will soon let employees … Continue reading
Posted in advice gap, BSPS, pensions
Tagged CETV, pension, Pension Transfer, Royal London, Steve Webb, transfers
5 Comments
Will a “Transfer Value Comparator” work?
t DB transfer activity has begun to stabilise, with far more transfers being quoted and taken every quarter compared with the position before the new freedom and choice flexibilities were introduced by the Government in 2015. Bart Huby LCP Aug … Continue reading
Posted in advice gap, BSPS, pensions
Tagged CETV, LCP, pensions, Royal London, Steve Webb, Transfer Value Comparator, TVC
4 Comments
