Tag Archives: de-risking

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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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