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Tag Archives: de-risking
What we can and cannot do (to provide our staff with better DC pension outcomes)
The Pensions Regulator has challenged us to establish what can practically be done for staff with DC pensions.
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Posted in annuity, corporate governance, dc pensions, de-risking, NEST, pensions, Retail Distribution Review, Retirement, twitter
Tagged annuity, corporate governance, corporate risk, dc pensions, de-risking, Defined contribution plan, Economics, Employment, European Union, Financial services, Life annuity, National Employment Savings Trust, NEST, pension, Pension new, Pension Poverty, Pension Protection Fund, pensions, Pensions, Public Sector Pensions, Retail Distribution Review, Retirement, The Pension Regulator, twitter
9 Comments
Only the good die young
There is hope for me – maybe I will be remembered as too good for my pension.
Posted in de-risking
Tagged Brentford, Brentford F.C., de-risking, Health, Smoking, Sports, Table tennis, Tobacco, Tobacco smoking, United States, Zurich Financial Services
1 Comment
A massive failure of nerve – the sad state of our DC pensions
Last year 460,000 people bought annuities from their DC pensions, Two thirds of these people did not bother to get the best rate for their accumulated funds and as a result suffered on average a 10% lower pension than those who did. Continue reading
Posted in corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, Liability Driven Investment, NEST, pensions, Personal Accounts, Retirement
Tagged corporate governance, dc pensions, de-risking, Department for Work and Pensions, Employment, EU Solvency II, Fiduciary Management, Hargreaves Lansdown, Liability Driven Investment, Mike Wadsworth, National Employment Savings Trust, NEST, pension, Pension new, Pension Pound, Pension Poverty, pensions, Pensions, Persnal Accounts, Personal Accounts, Politics, Rensselaer Polytechnic Institute, Retirement, Society, Tom McPhail
10 Comments
The Value of Advice to BBC Pension members
The true cost of a mandatory program would be many times that quoted, the actual cost of a voluntary program could be considerably less.
Posted in pensions
Tagged advice, BBC, de-risking, modelling, pension, Pension new, pensions
1 Comment
The Uniq Pension Scheme – what would you do as a member?
If you are a member of the Uniq Plc Pension Scheme with a reasonable deferred pension you ought to be worried. The employer’s covenant is weak and ,on the face of it , the scheme is bust. Continue reading
Why do some workforces accept DB pension closure and some strike?
The members I spoke to …were not happy but at least they understood the corporate dilemma. It seems that over time they have reached a consensus that it is in their long-term collective interest to accept the proposed changes and move on without unrest.
Delivering a pension
The ordinary member of a pension scheme will not be aware of Liability Driven Investment, however he or she is acutely aware that their pension may be at risk. Continue reading
Enhanced transfer values-is there a middle way?
There’s a lot of talk about “risk sharing” between employers and members of DB pension schemes. “Risk sharing” has become a euphemism for booting members out of the pension scheme- a middle way is needed. Continue reading
Posted in de-risking, pensions, Retirement
Tagged ageing, corporate risk, de-risking, enhanced transfer values, ETVs, finance, Longevity, pensioners, pensions, Retirement
2 Comments
Long live workplace savings
If you work for a big company- the chances are you own shares in your employer. Watch out over the next couple of years for some interesting developments! Continue reading
Posted in de-risking, pensions, Retirement
Tagged corporate risk, de-risking, in-specie, ISA, pension, pensions, Retirement, SAYE, shares, sharesave, workplace savings
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I like annuities but I’m worried..
Imagine it- the prospect of a 15-20% pay cut for the rest of my life and all because the Government changed the rules. Continue reading
Posted in annuity, dc pensions, de-risking, EU Solvency II, pensions, Personal Accounts, Retirement, Treasury
Tagged ageing, annuiteis, annuity, Bank, bulk annuities, corporate risk, dc pensions, de-risking, EU Solvency II, Fiduciary Management, gilts, Local government pensions, Longevity, longevity bonds, Pension new, Pension Pound, pension pounds, pensions, Pensions, Personal Accounts, Retirement, Treasury, UK Treasury
2 Comments