Tag Archives: de-risking

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

Posted on May 25, 2023 by henry tapper

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”

Posted on March 12, 2023 by henry tapper

  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

Posted on October 29, 2022 by henry tapper

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)?

Posted on October 9, 2022 by henry tapper

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

Posted on March 28, 2022 by henry tapper

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?

Posted on December 19, 2021 by henry tapper

  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?

Posted on April 8, 2021 by henry tapper

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?

Posted on April 8, 2021 by henry tapper

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”

Posted on February 14, 2021 by henry tapper

  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.

Posted on January 19, 2021 by henry tapper

    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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