Tag Archives: de-risking

The grand old Duke of York should have “avoided foreseeable harm”….

Anyone who is familiar with the Consumer Duty knows the phrase “avoiding foreseeable harm” but trustees and funders of occupational schemes may not. That’s because the Consumer Duty doesn’t extend as far as occupational schemes. Perhaps it should. If you … Continue reading

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We need value for our money not “Retirement Roulette”

  Stephanie Hawthorne has hit the nail on the head in her article today in the Mail’s this is Money section Are YOU at risk of missing out on thousands as pension plans stake your cash on a game of… … Continue reading

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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

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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

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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

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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

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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

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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

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“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

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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

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