Tag Archives: de-risking

A little bit of anarchy does you good


I’m grateful to my Swedish friend Per Andelius for finding this. Provenance has kindly been provided by readers (see comments). In game theory, the “price of anarchy” describes how individuals acting in their own self-interest within a larger system tend … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , , , , , , , , , | 4 Comments

All at sea! TPR’s “Trafalgar” for maritime and offshore workers.


Well done Lesley Titcombe and hurrah for our best naval victory since Trafalgar! Continue reading

Posted in auto-enrolment, now | Tagged , , , , , , , , , , , , , , , , , , , | 2 Comments

Making the most of the £20bn small employers spend on DB – Guest blog from Hilary Salt


A simple shift in communications could ensure the £20bn employers spend on DB each year isn’t wasted Over the last decade we’ve seen the long march of defined benefit (DB) pension schemes from the sunny beaches of open schemes run by … Continue reading

Posted in pensions, Pensions Regulator | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

Is increasing complexity making pension saving harder ? – guest blog by Ralph Frank.


The most conclusive finding of a recent survey by PwC into pensions taxation was not even related to the respondents’ views on the central question of the survey (namely, the most appealing tax scenario for their pension)! Sixty percent of … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , | 1 Comment

Why the FCA should take a leaf out of tPR’s book.


  The Pensions Regulator have been re-born over the last five years and become focussed on helping advisers, trustees and employees solve pension problems. They have started treating us as  customers and not potential criminals. Sadly, this attitudinal shift doesn’t seem … Continue reading

Posted in advice gap | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Boom Bust Boom


I went to the Imax this week (great cinema) to see Boom Bust Boom. I was a guest of Cardano, the Dutch fiduciary manager and I had a good time. One thing I’ve learned about the meeja, is that if … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

Who’s risk is it anyway? How Canada and Britain are dumping pension risk


I’m off to Manhattan to talk to a couple of hundred Canadian pension experts. This is broadly what is going to be said, I’ll be sharing the stage with a couple of Canadian pension experts and (if you open the presentation), … Continue reading

Posted in pensions | Tagged , , , , , , , , , , | Leave a comment

Whose risk is it anyway?


No matter how we look at it – we do not- and will not- live in a command economy. That means we have to take decisions for ourselves rather than be told how to live our lives. If you want … Continue reading

Posted in CDC, dc pensions, defined ambition, Management, Money Advice Service | Tagged , , , , , , , , , , , , , , | 3 Comments

Should we be trusted with our pension pot?


Today’s the day those over 55 can start taking their pension pots as they like;- except you can’t because the insurance companies are closed for the Bank Holiday except  your defined contribution pension provider may not have adapted its systems yet except you … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , , | 4 Comments

Are workplace pensions “risk-free” to employers?


If you think workplace savings plans are “risk free” to employers – think again; “value for money” changes that Continue reading

Posted in advice gap, Bankers, consultant, dc pensions, Fiduciary Management, First Actuarial, pension playpen, pensions, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment