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the pension plowman
- Expected advice costs for transferring members out of DB schemes offset by long-term admin savings say WTW https://t.co/h2XVahZOwothanks 45 minutes ago
- Administration cost of paying a pension from an occupational scheme - £3000 - claims WTW https://t.co/75AWGCHwm5thanks 49 minutes ago
- A battle won – not yet the war; FCA demands cost disclosure. lnkd.in/gYHWfdhthanks 10 hours ago
- Helping older people with money lnkd.in/gagxTrxthanks 10 hours ago
- RT @FatherofGriff: Thought provoking stuff. twitter.com/henryhtapper/s…thanks 16 hours ago
- I wonder about schools rugby. lnkd.in/gTCFVT5thanks 16 hours ago
- Merryn is right, we should expect more from workplace pensions. lnkd.in/gDtm8H2thanks 16 hours ago
- Over 55 and still paying commission on your pension?!*! henrytapper.com/2017/09/22/ove… via @henryhtapperthanks 16 hours ago
- RT @NJM71: AA and LTA - a small price for the rich to pay. henrytapper.com/2017/09/24/aa-… via @henryhtapperthanks 16 hours ago
- @pickfos I don't see any reason to further incentivise DB transfers. It would be tough on those with protection to take it away - #promisethanks 16 hours ago
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Recent Posts
pension plowman
- Expected advice costs for transferring members out of DB schemes offset by long-term admin savings say WTW https://t.co/h2XVahZOwoRestoring confidence in pensions 45 minutes ago
- Administration cost of paying a pension from an occupational scheme - £3000 - claims WTW https://t.co/75AWGCHwm5Restoring confidence in pensions 49 minutes ago
- A battle won – not yet the war; FCA demands cost disclosure. lnkd.in/gYHWfdhRestoring confidence in pensions 10 hours ago
- Helping older people with money lnkd.in/gagxTrxRestoring confidence in pensions 10 hours ago
- RT @FatherofGriff: Thought provoking stuff. twitter.com/henryhtapper/s…Restoring confidence in pensions 16 hours ago
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Tag Archives: de-risking
5 Things I want from today’s DB Green Paper
The DWP is due to publish its Green Paper this morning. It’s an important initiative; -our defined benefit schemes are under threat but they have the potential to do much good not just to those in them, but to those who … Continue reading
Posted in pensions
Tagged CDC, conditional benefits, DB Green Paper, de-risking, DWP, Green paper, guarantees, pension playpen, pensions, Richard Harrington
3 Comments
Is there really a “fail” at the Royal Mail?
The Royal Mail is consulting with its staff on closing its final salary scheme to future accrual. This is a public consultation, the Royal Mail are putting it to their staff that an increase of pension contributions to 50% … Continue reading
Posted in pensions
Tagged Bonds, de-risking, FABI, Pension Advisers, pensions, Royal Mail, transfers
4 Comments
Con Keating – Damage control
This blog is by Con Keating; Con Keating is head of research at Brighton Rock Group and a member of the steering committee of the financial econometrics research centre at the University of Warwick One of the favourite narratives of … Continue reading
Posted in pensions
Tagged Con Keating, DB, de-risking, defined benefit, fire fighting, investment consultants, pensions
2 Comments
The risk in “de risking”
Defined benefit pensions are delicate mechanisms designed for the purpose of providing pensions for generations of employees. Decisions taken in the last twenty years first to close DB schemes to new entrants, then to future accrual to current members and … Continue reading
Posted in accountants, advice gap, pensions
Tagged auto enrolment, DB, de-risking, Deficit, defined benefit, FABI, first actuarial, pensions, TPR
5 Comments
Why we don’t have health-based pension transfer values.
A Coleridge moment in the City I walked into a church at the bottom of Bow Street yesterday afternoon to have a cup of coffee. Slumped over his laptop, deep in thought, I saw a friend… He awoke from a statistical revery and stared … Continue reading
Posted in pensions
Tagged Adrian Boulding, de-risking, ETV, first actuarial, James Smith, pensions, Pie, Pie exercise, Transfer values, TV
6 Comments
Tax-subsidies on retirement advice; a waste of public funds!
The Government intends to extend tax breaks on pensions to allow those with pension pots to use them to pay for advice. The details are in this consultation document. The fundamental premise is that taking financial advice on retirement matters … Continue reading
Posted in advice gap, consultant, dc pensions, de-risking, defined ambition, pensions
Tagged advice, Advisor charging, de-risking, FAMR, pensions, RDR, Retirement, Tax, tax relief
4 Comments
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 anarchy, Business, consensus, de-risking, decentralised decision making, Employment, Financial services, Insurance, Noah, pensions, Politics, price of anarchy
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 auto enrolment, Business, de-risking, DWP, Employment, Financial services, Lesley Titcombe, National Employment Savings Trust, NEST, offshore workers, pension, Pension Poverty, Pension Regulator, pensions, Politics, Retirement, Ros Altmann, Seafarers, Society, TPR
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 Actuarial science, Actuary, advice, £20bn, Business, corporate governance, corporate risk, de-risking, defined benefit, DWP, Employment, Financial services, first actuarial, Government, member benefits, members, National Employment Savings Trust, pension, pension playpen, pensions, small schemes
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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 Actuarial science, advice, ageing, complexity, corporate risk, dc pensions, de-risking, Government, knor, PWC, Retail Distribution Review, Saving, Treasury
1 Comment
