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
Should DC pensions give retirement freedom or a steady income?
This is not a new argument. we’ve been having it all century and in 2014 many thought it had been settled by George Osborne. But pension freedoms haven’t been a success for the silent majority Continue reading
Elitist games – is this what we pay the pension minister to play?
This sounds good fun – if only for the elite! The great and good brought together by yet another global organisation to raise the profile of DC. Continue reading
Posted in pensions
Tagged Aspen, dc, Gleneagles, Oxford, Patrick Heath-Lay, Pensions, Torsten Bell
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“Pensions Expert DC & Master Trust Summit” – will AI turn DC pots to pensions?
Those retiring don’t have a clue how to decumulate their pots but that will change now AI is getting to grips with the nastiest hardest problem in finance. Continue reading
Pensions Expert DC & Master Trust Summit (likely to be controversial in 2026)
If you expected to put your feet up and play games on your phone you’ll be disappointed. Here are the highlights that I’ve picked out. Continue reading
Flawed Approaches to Asset Allocation include 60;40 – Going back in time with Thomas Aubrey
Should the 60-40 ratio be changed, or should Gilt exposure be reconsidered altogether? [image or embed] — Henry Tapper (@henrytapper.bsky.social) August 30, 2026 at 6:07 AM The 60:40 asset allocation has always been a bad strategy as has buy and … Continue reading
Do we still consider defaulting to “cash-out” or “annuity-purchase” VFM?
Me and John Greenwood think alike – that the definition of their value for money is the return they get on their DC pot. In an article last week he asked why some DC pension schemes are still defaulting members … Continue reading
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Tagged accumulation, annuity, dc, default, John Greenwood, Money Purchase, Pensions, Targeting
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Reform have driven down a pension cul-de-sac; it’ll be tricky reversing out.
The Reform view of pensions is hypocritical in the extreme. My friends at Prospect Union point this out with greater force than I can How hypocritical can you get? Reform MPs want to close public service pension schemes for millions … Continue reading
Cowardly capitalism blocks the free flow of transfers.
I do not want to make a crisis out of a drama , but we are having a bit of a drama on this blog about whether we are taking bulk transfers from DC schemes seriously. I have stated that … Continue reading
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Tagged CDC, Challenger, dc, Derek scott, Pensions, Prospect, Transfer
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German pensions – this is the big new deal for asset managers
The big story for asset managers in Europe is not CDC or DC or the revival of DB as an investment opportunity, it is German funded pensions.
The complexity of some tax free cash sum payments – and who to go to for answers.
Sensible but technical stuff for the smart and those who have smart advisers! Queries on Lump Sum Payments Dave King Pensions Technical Consultant, Aries Insight April 21, 2026 Across the last couple of weeks, Aries have been asked several questions … Continue reading
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Tagged Dave King, dc, Lump sum, occupational, Pensions, Technical
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Dear all, Regarding the potential acquisition of the "Lady Lucy" for £75,000, I have set down some initial thoughts on…