Tag Archives: DB

Can we have joint pensions that pay the same to both partners?

Posted on June 8, 2026 by henry tapper

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 →

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CDC vs Individual DC: Why there is no time to waste in embracing CDC

Posted on May 24, 2026 by henry tapper

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 →

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What’s happening to bonds is a kick in the face for those in DC pension schemes

Posted on May 13, 2026 by henry tapper

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 →

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Why We Should Not Gamble Away Our Retirement

Posted on April 27, 2026 by henry tapper

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 →

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From Pensions UK to CDC ; from St Johnstone to St Andrews

Posted on April 23, 2026 by henry tapper

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 →

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Can DC pensions invest for growth or should we move to CDC?

Posted on April 6, 2026 by henry tapper

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 →

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“Is this Government really interested in Pension Superfunds?” – asks Gupta

Posted on March 24, 2026 by henry tapper

  New Capital Consensus are a group of thinking people including my friend Ashok Gupta who want to see policy through to action. I’m not quite sure why I and AgeWage are included on this post, but I’m pleased they … Continue reading →

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Inheritance tax and Death in Service Benefits

Posted on March 21, 2026 by henry tapper

I tend to trust material coming from First Actuarial. It is simple and clear. It’s good to see a note on social media on a topic that created uncertainty for millions of workers whose dependents will get a lump sum … Continue reading →

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“Well said Maggie!” An elderly trustee chair speaks out for Maggie Rodger, the AMNT and independence

Posted on March 20, 2026 by henry tapper

PensionsOldie has spoken out in a comment to my blog on trustees being for members not just compliance The reference to Maggie’s Farm does not refer to Maggie Rodger but to the rubbish workplace that Bob Dylan imagines himself in … Continue reading →

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Thoughts of accountants on the use of Pension Surpluses in DB

Posted on March 15, 2026 by henry tapper

Pensions Oldie is I think an accountant.  Here are his thoughts following my blog on employer strategy from Hymans Robertson Pension Oldie I agree that the webcast is an excellent review of the current position and the matters to be … Continue reading →

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