Tag Archives: de-risking

WTW’s blueprint for a CDC scheme we could all join

Simon Eagle, Willis Tower’s Watson CDC ace, has published an article in Corporate Adviser that provides sceptics and enthusiasts for CDC with a way forward from the work that he has been doing for Royal Mail. I urge you to … Continue reading

Posted in pensions | Tagged , | Leave a comment

Has this crisis broken your pension pot (and can it be mended)?

Ever the optimist, I kick off with an image of a pot that has been broken and becomes a thing of beauty. For many of us DC pension pot holders, this is devoutly to be hoped for. Though for some, … Continue reading

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

Keating and Clacher debunk LDI

Risk and DB Pension Scheme Funding Iain Clacher & Con Keating If only that Dilbert cartoon had been published fifteen or twenty years ago, we might have seen very different outcomes from the rise of ‘de-risking’ strategies, liability driven investment … Continue reading

Posted in pensions | Tagged , , , , , | 7 Comments

CETVS – tasty or toxic carrrots?

  Peter is not the only person who has commented on my blog yesterday. I know that people value the right to transfer their defined benefits to a pot which gives them freedom from pensions. Peter is right that some … Continue reading

Posted in pensions | Tagged , , | 3 Comments

Will technology save lifestyle?

No sooner have I published a blog announcing that AgeWage is embarking on research on how lifestyle has actually done, than I read a post in Professional Pensions from Julius Pursaill explaining how a master trust he advises is going … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , | 2 Comments

Has lifestyling worked? Who knows?

Who knows! Lifestyling – (sometimes called “life-cycling”) in DC pensions means adjusting the asset allocation of a pension pot to meet changing circumstances as people prepare to crystallise their pension pot(s). A crystallisation is a transaction which sees an encashment … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , | 8 Comments

“The best use of our resources”

  This article is from Dave Brooks ( @pensionsdave) ,Technical Director at Broadstone. It was originally published here. It is a good contribution to the debate which has raged on this blog.  The trickiest balancing act that The Pensions Regulator … Continue reading

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

DB transfers;- we understand the crime – but not the causes of crime.

    The FCA has published the second of its analyses of the DB transfer market which shows how the trend to “de-risk” DB liabilities by buying out liabilities through CETVs  has continued apace. This article argues that – blameworthy … Continue reading

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

Time to put a stop to the pseudo-science of life-styling

For 25 years, “life-styling” has been the accepted wisdom for defined contribution pension schemes in the UK. Pension experts now use the phrase without thought to the confusion of a public for whom lifestyle means something altogether different from the … Continue reading

Posted in pensions | Tagged , , , | 1 Comment

Are John and Norma right – are we facing the end of mass-retirement?

@JosephineCumbo could you pls explain why “open” DB schemes are less risky than closed schemes, and should therefore be subject to weaker funding requirements? “Josephine Cumbo: Open and closed case @@corpadviser https://t.co/u3loRiZxB6 — John Ralfe (@JohnRalfe1) October 30, 2020 The … Continue reading

Posted in pensions | Tagged , , , , , , , | 2 Comments