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Tag Archives: DB pensions
Why do DB transfer values make me sick?
One of the things ordinary people find hardest to work out is why their share of a defined benefit scheme can go up when stock markets go down. This happened last month where the stock market fell. But in August, … Continue reading
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Posted in actuaries, advice gap, BSPS, FCA, pensions
Tagged actuaries, DB pensions, equities, gilts, pensions, shares, Transfer values, XPS
8 Comments
Convince or collapse – the options for small DB schemes in the next decade.
We stand on the cusp of the third decade of the 21st century. That decade is likely to see small DB schemes collapse into consolidators or stand firm with renewed conviction. I wonder if I will still be … Continue reading
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Posted in CDC, dc pensions, de-risking, defined ambition, defined aspiration, pensions
Tagged actuaries, Clara, DB pensions, Pension Superfund, pensions, Superfund
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The trouble with conformity – USS latest
The dissenting voice has long been upheld in British Universities. Minority opinions are valued as an antidote to received wisdom which all too often degenerates into herd-like conformity. So I worry when I read the justification that the USS … Continue reading
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Posted in pensions, USS
Tagged Conformity, DB pensions, Jane Hutton, pensions, Sam Marsh, USS
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Discount Rates and DB Pension Scheme Valuation: A history lesson from Con Keating
The question most frequently asked – “what discount rate should be used for valuing the liabilities of pension schemes?” – is problematic. Surprisingly, academics and practitioners have spilled gallons of ink, and exchanged more than a few uncivil words debating … Continue reading
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Posted in pensions
Tagged Con Keating, DB pensions, Discount rates, liabilities, pensions
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First Actuarial on CDC (submission to W&P Select).
First Actuarial is a partnership of consulting actuaries and administrators that offers the full range of pension services to both trustees and employers. Our clients’ pension schemes range in size from £0.5 million to nearly £2 billion in assets. However, … Continue reading
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Posted in CDC, pensions
Tagged CDC, DB, DB pensions, dc, Feedback, first actuarial, pensions, Technology
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“NO!” to the PLSA’s self-serving proposals
I write as Henry Tapper , not First Actuarial, First Actuarial is a member of the PLSA and will have its own response to its DB’s Taskforce’s Opportunities for Change. A timely response now can lead to a more considered response … Continue reading
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Clarification needed on CETV volumes.
The FT published a number yesterday – £100 million. It is the amount that pensions administrator JLT are paying out in transfer values every month. It looks a large number. Mischievously I suggested that might be revenue to JLT rather than the … Continue reading
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If you don’t know who’s paying, it’s probably you.
The last few days have seen a reality check on who’s paying for the long term care of our elderly. Now I read this morning a report by the Resolution Foundation on who’s paying for the deficit reduction plans … Continue reading
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Posted in pensions
Tagged CARE, DB pensions, Funding, Pension Funding, pensions, Social care, Victimless crim
5 Comments
Credit where credit is due – how those outside of work get a pension
This blog’s mainly about public service information. But it’s also about influence and how people get it. It was sparked by my reading some stuff on twitter about why we should all be checking our entitlement to the new state pension and … Continue reading
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Posted in pensions
Tagged DB pensions, DWP, ft, josephine cumbo, Klout, Paul Lewis, pensions, twitter
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Ros Altmann to be the over 50s
News from the Sunday Times via @paullewismoney reports that Ros Altmann is to be our (eg those over 50) new work tsar. This I take to be good news. Ros Altmann to be named Government's champion for older workers … Continue reading
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Posted in auto-enrolment, Blogging, club pension, pension playpen, pensions, welfare
Tagged Back to work, BBC, Collective DC, DB pensions, Paul Lewis, pensions, Ros Altmann
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