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Tag Archives: de-risking
Have DB pensions dodged the Beeching bullet?
When the Pensions Regulator launched its DB funding consultation earlier in the year, I thought it a “slam dunk”. Back then it was already clear the world was in the grip of a pandemic and the paper presaged what was … Continue reading
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Posted in de-risking, First Actuarial, pensions
Tagged David Fairs, DB fundin gcode, de-risking, DR Beeching, Funding Code, The Pensions Regulator, TPR
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Con Keating asks “Does life-styling make sense?”
In the course of my recent work on value for money metrics, I have come across several schemes which apply life styling to older ages and many have argued that these strategies merit a benchmark which differs from the … Continue reading
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Posted in actuaries, advice gap, dc pensions, de-risking, pensions
Tagged dc, de-risking, Lifestyle, pensions
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LEBC – the demise of “de-risking”?
Yesterday LEBC resigned its permissions to offer regulated advice on the transfer of safeguarded rights within a pension scheme (DB transfers). It also decided to stop advising on Flexible Retirement Options such as Pension Increase Exchange and Enhanced Transfer Values. … Continue reading
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Do we have to wait for the car crash, before we mend the road? CP19/25
Around £12bn worth of DB pension pots could have been subjected to poor transfer advice, based on these FCA figures. This is over one year alone. pic.twitter.com/eUPWu8UoL0 — Josephine Cumbo (@JosephineCumbo) July 30, 2019 It is now too late to … Continue reading
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Posted in advice gap, age wage, BSPS, dc pensions, de-risking, pensions
Tagged de-risking, workplace Pensions, WPS
4 Comments
This week – we hope to be able to talk about the “benefit of pensions” again!
This is a blog about the economic utility of pension management. It’s written because the first thing that hit me this morning was this almost confessional comment from George Norval, Group Pensions Manager at Berensden. Is the DB Pensions Manager … Continue reading
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Posted in advice gap, CDC, de-risking, pensions
Tagged benefits, de-risking, George Norval, pensions, reward, Stella Eastwood
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Don’t de-risk too early – says Aon!
I nearly fell off my sofa on Lady Lucy!! While all I’ve been hearing from Aon’s fiduciary unit is the importance of locking down the pension scheme through Liability Driven Investment – fully implemented by Aon, here is the American … Continue reading
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When we “de-risk” – where does the risk go?
When you do the washing up, you leave your plates clean, the dirt gets washed down the sink. The same when you change the oil in your car or when you go to the toilet. What happens is that all … Continue reading
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Posted in advice gap, pensions
Tagged Aberavon Hotel, Al Rush, de-risk, de-risking, Pension Risk, pensions, toilet
3 Comments
Are DB pensions benefiting from CETV de-risking?
It’s a fair question for a blogger to ask. I don’t have the answer and suspect that you’d get a different reply depending on who you asked. Here are the facts According to Hymans Robertson , The total value … Continue reading
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Posted in annuity, Big Government, BSPS, pensions
Tagged de-risking, DWP, FCA, Hyman Robertson, LCP, ONS, pensions, Train crash
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“Of margins and men”. Were the City and Carillion ever friends?
Of all that is being said about the collapse of Carillon, the comment that remains with me is something said by Robin Ellison, in his capacity as in an interview with IPE. The FCA is looking at asset management companies’ … Continue reading
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Posted in pensions
Tagged Carillion, covenant, de-risking, Low margins, Margins, pensions, Robin Ellison
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“Might young people do well from CDC?” – Con Keating’s thinking on investments.
In a risk-obsessed world, Con Keating observes that it’s its absence of risk-management that could be CDC’s greatest boon to the young. The new member joining a collective DC scheme is contributing marginally to a collective fund. This fund is itself … Continue reading
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Posted in CDC, pensions
Tagged CDC, Con Keating, de-risking, milennials, pensins, Young People
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