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: DB
Did the financial industry close private DB schemes and SERPS?
the financial service companies, as they once explained to me, hated DB because it wasn’t a product they could replicate. They preferred to provide pots, taking a fee for AUM, leaving all the risk on the working man/woman. Continue reading
Posted in pensions
Tagged #pensions, Business, DB, Financial services, Government, Pensions, workplace Pensions
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Gordon Aitken’s video explains how DC is returning pensions to growth…
For Aitken, the future for equities and growth is in DC pensions; I’ll extend his optimism with CDC (which is even less dependent on de-risking than DC). Continue reading
Pension funds- join the struggle for leaseholder freedom
Whether pension funds are DB, DC or CDC , money in residential properties needs to work for those living in the properties as well as pensions taking low risk profit. Continue reading
Posted in pensions
Tagged Better Society Capital, CDC, DB, dc, freehold, Freeholder, leasehold, pension funds
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Should USS invest for growth or lock down its assets?
I know that many members of USS read this blog and some members of its executive. I hope this is interesting and fair. If you have a view please use the comments below as your correspondence is always informed. Continue reading
Unions; accruing DB for staff-encouraging collective pensions for millions of members
Set in a splendid converted warehouse in Borough’s warehouse yesterday this Trade Union Pensions Insight Conference was packed to the last available chair and there were people standing at the back. No surprise when Trade Unions have recovered their pension … Continue reading
Posted in pensions
Tagged CDC, Collective Pensions, DB, first actuarial, Manchester, pension, trade unions, Unite, USDAW
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Flawed Approaches to Asset Allocation include 60;40 – Going back in time with Thomas Aubrey
Should the 60-40 ratio be changed, or should Gilt exposure be reconsidered altogether? [image or embed] — Henry Tapper (@henrytapper.bsky.social) August 30, 2026 at 6:07 AM The 60:40 asset allocation has always been a bad strategy as has buy and … Continue reading
Reform have driven down a pension cul-de-sac; it’ll be tricky reversing out.
The Reform view of pensions is hypocritical in the extreme. My friends at Prospect Union point this out with greater force than I can How hypocritical can you get? Reform MPs want to close public service pension schemes for millions … Continue reading
Pensions don’t lead to inheritance tax for anyone – it’s the pots that are the problem
There are now four ways of avoiding inheritance tax with your pension pot (s) you’ve saved over your work career If you are within a year of joining a public service* pension you can swap your pot for pension based … Continue reading
Posted in pensions
Tagged annuity, CDC, Collectivve Pension, DB, IHT, inheritance tax, LGPS, Pensions, Policy, public sector, Tax
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German pensions – this is the big new deal for asset managers
The big story for asset managers in Europe is not CDC or DC or the revival of DB as an investment opportunity, it is German funded pensions.
“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
Standard Life was fine until Gordon Brown started playing 'ducks and drakes' during the last century - now we have…