The Microsoft references are rhetorically effective, but analytically misleading. Microsoft went public in 1986 and did not pay a dividend…
Thank you for the kind words!
As cryptocurrency adoption continues to grow, scams, hacking incidents, fraudulent investments, and lost wallet credentials remain major challenges. TECHY FORCE…
The self-employed commonly have very lumpy income streams plus periods of feast and famine. Their lack of income security means…
Tag Archives: Collective Pensions
Callum Stewart joins the queue wanting a change of name for CDC.
This is not having a go at Callum Stewart, quite the opposite, I am in the queue somewhere myself! What’s going on when people talk names (nomenclature if you’re posh) is to try to compress thinking into a word or … Continue reading
Posted in pensions
Tagged Callum, CDC, CDC pension, Collective Pensions, R-CDC, Retirement, Stewart
5 Comments
CDC needs behemoths like BlackRock and it needs “challengers” like Pensions Mutual to provide “collective pensions”
I am a great admirer of BlackRock as a proponent of collective pensions or “CDC”. Here is Sophie Dapin with a fresh view on what can be done. We have Royal Mail and will soon have a collective pension for … Continue reading
Retirement CDC – a long wait for something you can have now!
I like Johan Kriek, he asks difficult questions of Collective Pensions (CDC) and sometimes I agree. This is one of those times, I was the one of the people who responded to the Retirement Consultation that closed in 2025. I … Continue reading
2/3 of us don’t think we’re saving for a pension with a workplace pension.
Chris Marchant’s article is here. “Two thirds of people admit they will rely on the state pension ‘to some extent’ in retirement, according to research by Hargreaves Lansdown. Almost one-in ten say they will be totally dependent on the … Continue reading
Posted in pensions
Tagged Collective Pensions, Hargreaves Lansdown, personal pension, state pension, Survey
1 Comment
“Collective Pensions” going forward, CDC in the past.
The DWP will change the way they describe what till now has been called CDC Whether the DWP can change the way we describe the new way of turning contributions to pensions is a question only time will answer. I … Continue reading
If you don’t want exit penalties at retirement – stop paying middlemen!
The Daily Telegraph’s Katie Morley is running a typically campaigning piece picking up on stats released to Government that show that an estimated 2.2m pension savers won’t get the full value of their pension pot if they exercise pension freedoms … Continue reading
Posted in pensions
Tagged CDC, charges, Collective Pensions, costs, DWP, intermediaries, NEST, NOW, pensions, the Daily Telegraph
2 Comments
Après-midi with the Bermondsey Bee – some thoughts on advice
I spent some leisure time yesterday afternoon with Steve Bee in and around the Bermondsey St Debtor’s Prison in which Jargon Free has its offices. I am 10 years younger than Steve and for many years have seen him as … Continue reading
Posted in Blogging, brand, pension playpen, pensions
Tagged advice, Citizens Advice, Collective Pensions, Guidance, jargon free, pensions, steve bee
1 Comment
All the right funds- not necessarily in the right order (a budget prescient blog)
I wrote this blog hours before the budget which abolished annuities. For some reason I decided this morning, to write about investment as if annuities didn’t exist. From 2015, for new pensioners- they will no longer be the default, … Continue reading
Posted in auto-enrolment, CDC, corporate governance, dc pensions, de-risking, defined aspiration, Payroll, pension playpen, pensions, Popcorn Pensions
Tagged annuity, Business, Business and Economy, Collective Pensions, consumptions, corporate governance, corporate risk, dc pensions, de-risking, decumulation, Defined benefit pension plan, DGF, Diverification, Employment, Financial services, free-lunch, National Employment Savings Trust, notes, order, pension, pensions, Retirement, Steve Webb
4 Comments
Time is the new currency of information
Sometime this week, Paul Lewis announced he had more “followers” than the Independent newspaper had “readers”. I thought that telling. I read the Indy, but mainly from @simonread ‘s tweets and I probably read more BBC stuff through @paulewismoney than … Continue reading
Posted in pensions
Tagged Business, Collective Pensions, communication, currency, dc, employer, England, infographics, information, journey, Retirement, Time
4 Comments
Why the ABI were so wrong about CDC
This blog was first published on mallowstreet by the inimitable Kevin Wesbroom, whose bouffe is only matched by Ros Altmann’s and whose intellect is matched only by his integrity. Think big – think Kevin! CDC – the case Against … Continue reading
Posted in actuaries, advice gap, CDC
Tagged Business, CDC, Collective Pensions, Employment, Financial services, Investment, pensions, Retirement, Society
37 Comments
Standard Life was fine until Gordon Brown started playing 'ducks and drakes' during the last century - now we have…