Tag Archives: dc

Why , given half a chance – most DC savers will “invest” in cash.

In my article today about CDC, I mention that DC is unable to do what CDC can do, which is keep people invested in retirement. The FCA’s Retirement Income survey data shows that the vast majority of redemptions from personal pensions … Continue reading

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John Ralfe’s CDC lecture

A big thank you to Imperial College Business School for making this a public lecture, It brought 140 people together, encouraged some sharp debate in the chat room and gave a platform to John Ralfe to explain the con trick … Continue reading

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The death of the employer pension trust

  Geof Pearson told the NAPF conference in 1998 “I have looked over the cliff and seen DC” 22 years later DB trustees can argue that they still have the weight of past money but they are dependent on employers, … Continue reading

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CDC works because DC and DB pensions don’t.

  My blog yesterday, praising Willis Towers Watson for having the courage of its convictions has received considerable attention, with comment generally being unfavorable , ranging from the politely skeptical Interesting stuff, Henry. The fact that you are happy with … Continue reading

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Pensions – “in chaos – need to unite” -sound familiar?

What do George Osborne and Donald Trump have in common? DISRUPTION – that’s what. Disruption happens when a system has fallen into a state where it is no longer functioning for the people it serves. It would seem that the … Continue reading

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Will CDC be a success story?

Will CDC be a success story? #pensions @mallowstreet https://t.co/HC8u3uk09G pic.twitter.com/fR8VKyRYOi — Stuart Breyer (@stubreyer) November 4, 2020 The question is the right one. You can’t go on Mallowstreet unless you are a member, which means the wider discussion needs to … Continue reading

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“Shape up or shape out” – DWP give small DC schemes one year’s notice

   It is not acceptable for savers to be enrolled in arrangements that do not deliver value in terms of costs, investment returns or secure and resilient governance. Government would expect trustees acting in the best interests of their members … Continue reading

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DC challenges the Private Equity billionaires

Robin Powell (the evidenced based investor) makes a bold claim. Ludovic Phalippou is a hero.   Who is Phalippou? Ludovic Phalippou is an economist who has written a paper detailing the workings of the Private Equity industry and how it … Continue reading

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Pensions in the grand scheme of things

In the “grand scheme of things” – pensions will go on “In the grand scheme of things” is a very much over-worked phrase. It’s up there with “all will come out in the wash” as a means of dismissing today’s … Continue reading

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How to talk to your staff about pensions

Quietroom are silently curating a lot of good advice using linked in. If you have the dexterity and the eyesight to access their posts , then here’s the link to the document. But I struggled and when I found the … Continue reading

Posted in actuaries, advice gap, age wage, dc pensions, Linkedin, pensions | Tagged , , , , , , , , | 1 Comment