Tag Archives: Contract
The embarrassing lottery of the default “pension” pathway.
The analysis of what’s happening by default to people’s DC pots is from Peter Osthwaite and published in Professional Pensions. The four pathways devised by the FCA to lead people to retirement take people to very different places. For some … Continue reading
Posted in pensions
Tagged Contract, default, FCA, Pathways, Pension Schemes Bill, Pensions
2 Comments
Smoke and daggers (Con Keating on ”confusions and misunderstandings”)
This article was published in yesterday’s Professional Pensions and is published here in its entirety with the permission of Con Keating. A search on Con Keating will give up other articles on this topic to which this blog refers! Given … Continue reading
Posted in annuity, pensions
Tagged accrual rate, Contract, deferred annuity, Invesment, pension
2 Comments
Is contract-based versus trust-based really the question? Guest Blog from Ralph Frank
Automatic Enrolment (“AE”) has resulted in an increase in Defined Contribution (“DC”) pension saving through Master Trusts (“MTs”). This trust-based approach has overtaken contract-based arrangements, such as Group Personal Pensions, as the most popular form of DC saving. A key … Continue reading
Posted in pensions
Tagged Contract, GPP, master trust, MT, Ralph Frank, regulation, trust, trust-based
Leave a comment
When does an agreed contract not bind? Guest blog by Ralph Frank
This past summer saw a number of Government-initiated consultations, including one into early exit charges levied on (some) pension products. The Chancellor of the Exchequer has recently announced that the Financial Conduct Authority (“FCA”) is to be mandated to … Continue reading
Who made that choice for you?
Put the question “why are pensions guaranteed?” into google and you will not get an answer. I reckon it’s because no-one asks the question. Why is nobody asking the question? Is someone guaranteeing the value of your house? Is there … Continue reading
Posted in annuity, auto-enrolment, corporate governance, customer service, EU Solvency II
Tagged Contract, Dutch, pension, Pound sterling, Question, Steve Webb, United States, Wikipedia
13 Comments