Tag Archives: decumulation
Has anyone asked employers – what pensions they want for their staff?
When you look at the mastertrust list you can see that the large employers with an history of pension provision for their staff have now decided to either provide staff with “pensions” or to rely on master trusts to do it … Continue reading
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Tagged CDC, DB, decumulation, Flex and Fix, Pension Schemes Bill, Pensions
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Paul Todd will explain Nest’s new “pension” – after a Pension Schemes Act.
Paul’s talking at a Pension PlayPen coffee morning on Tuesday. Paul is COO of Nest and well known to many of us for a biography of Paul is at the bottom of the blog. It is an important talk and … Continue reading
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Tagged CDC, Conditional Indexation, decumulation, NEST, Paul Todd, pension
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Can I opt-out of my pension? Nest says yes (before 85)
Amidst the noise about savings for the pensions and the damp squib of a Mansion House speech by the Chancellor, I have been thinking about what the workplace pension is about. For many people, the money they have in workplace … Continue reading
A VFM test when turning my pot to a pension?
Consolidating a pot into a pension is going to be one of the great tasks of the next twenty years. As people approach the point when they can draw an income from their DC pot they can choose to … Continue reading
DC really must grow up
So far, the perception is that DC schemes with £25bn in them will behave like they did when thy had £25m in them, what differs is that they are now a source of revenue for organisations including consultancies, insurers and … Continue reading
CDC and “designer’s folly” – Stefan Lundbergh
Collective DC, and other whole of life solutions, look great on paper but they are also a perpetual source of debate. When it comes to pension design, I have identified two common practices which, in my opinion, could be labelled … Continue reading
Charles Counsell hands on the poisoned chalice
It’s been a year since TPR appointed Sarah Smart as Chair and her anniversary is marked by news that Charles Counsell will not be seeking a second four year term as CEO. Sarah Smart brought youth and feminity to a … Continue reading
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Tagged auto enrolment, CDC, Charles Counsell, DB funding, decumulation, Sarah Smart, TPR
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A Super-Haven for DC pots? – Adrian Boulding
I was genuinely excited to attend the Pension Playpen interview with Edi Truell. As well as his work on Superfunds as a Buy Out vehicle for old final salary schemes, which is of only tangential interest to me, Edi also … Continue reading
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Tagged Adrian Boulding, CDC, decumulation, Edi Truell, Pension Superfund
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Stepping towards the “Pension Pathway”.
I am using this post-Christmas hiatus to think about how we could create a Pension Pathway for our retirement savings. A Pension Pathway would pay us a reasonable wage in retirement without involving the need for financial advice. Here are … Continue reading
“Can we have our money back?” Pension PlayPen lunch- Monday
Monday 4th Feb – 12.30 – Counting House, 50 Cornhill At this lunch we will be discussing whether we are doing enough to help people claim on their pension pots and get their money back as they would like. … Continue reading
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Tagged Counting House, decumulation, Lunch, Pension Play Pen, pensions
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