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Tag Archives: DB
Has anyone asked employers – what pensions they want for their staff?
When you look at the mastertrust list you can see that the large employers with an history of pension provision for their staff have now decided to either provide staff with “pensions” or to rely on master trusts to do it … Continue reading
Posted in pensions
Tagged CDC, DB, decumulation, Flex and Fix, Pension Schemes Bill, Pensions
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Are retail investors misled by Private funds in Long Term Asset Funds?
The FT have delivered an early warning on the liquidity of LTAFs in the wealth management, in the summer it delivered a clear warning that direct investment beats fund of funds but that only multi-billion pools can access private markets … Continue reading
Posted in dc pensions
Tagged DB, Pensions, Private credit, Private quity, toby nangle, Wealth
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“Can I swap my pot for a pension to save my folk tax if I die?”
“Can I swap my pot for a pension to save my folk tax if I die?” I get a lot of correspondence from advisers on the impact of changes to taxation of inheritance tax on clients who don’t even make … Continue reading
High earners aren’t taking their deferred pay seriously (Hargreaves and Oxford Uni).
The FT has this morning published a chart by Hargreaves Lansdown and Oxford University. It shows a deterioration in the replacement income for those who are on more than £87,200 (presumably a bar to earing a lot!). Give it a … Continue reading
Can we bring DB back? Not it seems without the permission of the ABI.
For many years we have been led to believe that the only good DB scheme has a bulk annuity inside it and it’s on the way to being bought out. I was in hospital for the shockwaves of Pension IHT … Continue reading
Collective or Personal payment of pensions?
The discussion on how people get paid pensions is beginning to gather pace and about time too! There are two competing approaches. The first is collective and is what has given us defined benefit pensions, This has shrunk from its … Continue reading
Steve Hodder and Calum Cooper; todays pension heavyweights on DB pensions
If you want stereo definition of what has just happened, this blog offers it. Here are two of my favorite consultants (who clearly like each other) , explaining the momentous events happening to pensions. I know this is not about … Continue reading
This was not the end small companies wanted for their pension scheme
Here is the download Risk settlement is a polite phrase for “capitulation”. The schemes who have capitulated to insurance company buy-outs/ buy-in’s are small. This chart shows just how biased the market to small DB plans. The big schemes make … Continue reading
Are Trustees bothered- Rosalind Connor says they should be!
Should Trustees be listening to employers from their pensions? Should they be worried about the financial strength of the employers whose workforces they run a pension scheme for? In a fun but sophisticated presentation, Rosalind explained how the law has … Continue reading
Is demand for “Royal Mail” style pension deals increasing?
It is interesting that DB is creeping back into debates. I am surprised that there hasn’t been pressure for a more flexible approach to indexation and NPA (normal pension age) to reduce the risk of DRCs (Deficit Reduction Contributions) and … Continue reading