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Tag Archives: DB
Mallowstreet argue that DC members “might have a claim to DB surplus”.
This reinforces what I have been saying, though I’m not sure that trustees are legally obliged to do anything. The word “must” is maybe a little strong for trustees, the word “claim” a little strong on DC savers! Here’s Sandra’s … Continue reading
The PAGA “Rabble” meet to progress collective pensions
PAGA is a group of pension professionals who set out the case for growth needed for pensions to pay what people need to live on in later life. It has through many meetings looked at the economics of running a … Continue reading
Posted in pensions
Tagged Bob Compton, CDC, DB, Gurbani, John Hamilton, PACA, William McGrath
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Damian, most of us need help to get a decent wage in retirement!
Last Sunday lunchtime I sat in front of a group of 100 delegates at a fringe meeting of a union conference. We talked about them wanting their pensions back, of how they and their children could get paid a wage … Continue reading
DB Surpluses could and should make pensions fairer for the young
We talk about pension gaps; gaps between men and women, gaps between public and private sector pensions, but we are careful not to offend employers who have relics of defined benefit (an enormous burden) pensions and ongoing workplace pensions ( … Continue reading
Can we have joint pensions that pay the same to both partners?
I wrote recently about an article by the FT’s Jonathan Guthrie that is packed with 10 bits of data that those of us who don’t have a pension provided us, need to understand. Of course a lot of families will … Continue reading
CDC vs Individual DC: Why there is no time to waste in embracing CDC
A quantitative assessment of the case for Collective Defined Contribution pensions Christos A. Christou | PMI Professional Trustee | April 2026 Executive Summary This paper examines CDC and compares it to DC. It argues that CDC may be materially better … Continue reading
What’s happening to bonds is a kick in the face for those in DC pension schemes
The vast majority of people over 50 in DC are heavily invested in Government and Corporate Bonds to protect us against the volatility of growth stocks (equities and other real assets) and offer us stability in later life. If you … Continue reading
Why We Should Not Gamble Away Our Retirement
Dr Deepa Govindarajan Driver (@deepa_driver on Twitter) has written this article in a purely personal capacity. Deepa is a former chair of UCU’s USS negotiation team (SWG). Her professional expertise is in governance, financial regulation and accountability. She is … Continue reading
Posted in pensions
Tagged Conditional Indexation, DB, Deepa Govindarajan Driver, Deeper, Drier, Risk, risk sharing, UCU, USS
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From Pensions UK to CDC ; from St Johnstone to St Andrews
I enjoy the passion of those who comment on my blog. I am amazed by the quantity, quality and diversity of comment that I get over social media. Mostly through anonymous comment on my blog and occasionally from the irrepressible … Continue reading
Posted in pensions
Tagged CDC, DB, Dunfermiline, Jnamdoc, Pensions, Pensions Oldie, Pensions UK, Serek Scott, social media, St Andrews
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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