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Tag Archives: dc
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
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
Would your firm consider a CDC pension?
Today Terry Pullinger and I are in Brighton talking to union representatives working for employers with unionised workforces. We’re spending our Sunday explaining to ordinary workers what CDC does for staff and how employers can consider it. We’re … Continue reading
NEETs do not need worries about “pension-wealth”
So it’s now 6 months since the ONS broke the bad news for youngsters and it looks like the pensions industry or at least its marketing department, is waking up to an opportunity. Under 24 and under pensioned? Under 24 … Continue reading
When earnings don’t keep up with inflation (like now) we’re getting poorer.
According to the FT , we are about to enter our fourth period when earnings don’t keep up with inflation since 2008. For many people with school economics, we grew up with average earnings being against of real price … Continue reading
Forget future austerity where prices rise faster than earnings – even in pensions!
According to the FT , we are about to enter our fourth period when earnings don’t keep up with inflation since 2008. For many people with school economics, we grew up with average earnings being against of real price indexation … Continue reading
Posted in pensions
Tagged austerity, CDC, CPI, dc, Inflation, Pensions, RPI, UK inflation
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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
Can the private sector afford to pay inflation linked pensions?
Of course we do pay inflation linked pensions though corporate and personal taxes, we pay for the public servants to get full CPI linkage so their wage in retirement will go up with inflation without a cap, some still get … Continue reading
Posted in pensions
Tagged CDC, CPI, dc, increase, Inflation, Level, pension, Pension Dashboard, Retirement Wage, SMPI
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Will insurer’s share prices recover- now gilt yields make buy-out easier?
I’m not sure I agree with Gordon Aitken here. Insurers may be more competitive with bulk annuity purchases but will DB pension schemes want to sell up, now they find themselves even more in surplus? Business Conditions are not always … Continue reading
Posted in pensions
Tagged ABI, BPA, CDC, dc, gilt prices, Gilt yields, gilts, Insurers
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The American way of turning pots to pensions – from the firm rumoured to be buying L&G
It doesn’t give me much comfort to read this “partnership content” – eg an advert, in the FT from Prudential Finance. I include the article below as an example of the American way of turning pots to guaranteed income. It … Continue reading