Tag Archives: dc

CDC vs Individual DC: Why there is no time to waste in embracing CDC

Posted on May 24, 2026 by henry tapper

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 →

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Can the private sector afford to pay inflation linked pensions?

Posted on May 22, 2026 by henry tapper

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 →

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Will insurer’s share prices recover- now gilt yields make buy-out easier?

Posted on May 17, 2026 by henry tapper

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 →

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The American way of turning pots to pensions – from the firm rumoured to be buying L&G

Posted on May 17, 2026 by henry tapper

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 →

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What’s happening to bonds is a kick in the face for those in DC pension schemes

Posted on May 13, 2026 by henry tapper

The vast majority of people over 50 in DC are heavily invested in Government and Corporate Bonds to protect us against the volatility of growth stocks (equities and other real assets) and offer us stability in later life. If you … Continue reading →

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Can British pension funds invest in Britain as their Australian counterparts do?

Posted on May 11, 2026 by henry tapper

If it won’t come from up here, it’s going to be from somewhere and the new “super unit” will start by getting it from down under. This new unit “will pave the way for vital investment into key UK projects”, … Continue reading →

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TPR’s CEO estimates a decade for workplace saving to move back to pensions

Posted on May 7, 2026 by henry tapper

  This is the Pension Regulator’s speech. It has a summary of  what the  CEO intended to be understood.  This summary has come from artificial intelligence. I doubt that any human was involved for it is nothing but cliches and … Continue reading →

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TPR has a bible to get and keep a CDC scheme authorised.

Posted on April 30, 2026 by henry tapper

The Code of Practice for CDC is our bible! I will strain my blog to deliver something that is very serious and meaningful to the DWP, TPR and the few people set upon getting authorised to run a CDC from … Continue reading →

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Being poor in retirement is down to your behaviour – L&G can cure you

Posted on April 27, 2026 by henry tapper

Here is a conversation about good retirement from DC workplace saving. But it’s not far enough for me and millions like me who don’t want a course in good savings behaviour! I’m not professional and don’t like my “capital at … Continue reading →

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Is my retirement under threat from “geopolitical tension”?

Posted on April 14, 2026 by henry tapper

Damned be the word “geopolitical” it is not a word that means anything to ordinary people . “Geopolitical risk” may mean something to investment and actuarial gurus but what it translates into for ordinary folk  is “higher prices for the … Continue reading →

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