The foundational social contract of UK pensions was established under a clear compact: Exempt-Exempt-Taxed (EET). Savers agreed to sacrifice current…
We have to remember that from society's point of view, DC pension pots are the most inefficient way of providing…
[…] Yesterday morning I posted the Times article deriding “the guarantee of pensions for all”… […]
Crypto Scam Victim Guide: What to Do After You Have Been Scammed Cryptocurrency scams can happen through fake investment platforms,…
Tag Archives: dc
A time for DB schemes to support sponsors after decades of the reverse.
I am impressed that Lane Clark Peacock are talking to the leaders of our private employers about the pensions that they can think of as assets for their businesses. Continue reading
“DC or CDC – that is the question”. A Pensions UK debate in the City of London
Let’s hope a future Government doesn’t up the simplicity of collective pensions by forcing someone in a workplace CDC to experience guided retirement. That seems a really bad idea!
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Guided Retirement and risk in sequence of returns.
The Guided Retirement consultation has a great deal to say about longevity protection; but how do we decide what protection someone needs without explicitly considering what happens to their pension along the way? Continue reading
Posted in pensions
Tagged dc, Guided retirement, lOGVEITY, members, protection, trustees
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“If you really want to fix inequality, cut public sector pensions”- The Times
This is the script for right-wing politicians. But large employers are ditching DC savings for collective pensions as the way to pension staff. They will swerve RCPS and Guided Retirement by participating in what we used to call CDC! Continue reading
Posted in pensions
Tagged Ben Wilkinson, CDC, CP, dc, Guided retirement, Pensions, RCPS, Torsten Bell
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Small pots from 2030 ;- does CDC work for Kim and Maurice?
As the proprietor of a CDC scheme looking to deliver in 2027, we have ambition to offer the capacity to offer our scheme as a participant in the small pot consolidation project. Continue reading
Posted in pensions
Tagged CDC, dc, Guided retirement, kim gubler, Maurice Titley, pension, small pots
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How AI found the PPI’s DC Future Book (2026)
I would characterise the report as: excellent descriptive epidemiology of the DC patient, but insufficiently critical diagnosis of the disease. Continue reading
Penfit; Brian’s financial planning for those facing retirement with a pot
Penfit and CDC do different things – Penfit makes DC relevant to those who won’t take advice on pots while CDC dispenses with pots and focuses on pension. Both are worthwhile and compliment each other Continue reading
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
Dear all, Regarding the potential acquisition of the "Lady Lucy" for £75,000, I have set down some initial thoughts on…