Tag Archives: decumulation

“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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“Rape and Kill” – why the public are turning off retirement advice.

Thanks to the PPI for the second Future Book – Unravelling Workplace Pensions. The 2016 Edition of the PPI’s study on workplace pension is published today. Getting data on the state of workplace pensions has always been tricky. If you … Continue reading

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Confusing intermediaries

Whether we are talking about saving (accumulation) or spending (decumulation) the issue is the same. Continue reading

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How to spend your pension -a further blog from Con Keating

    If you haven’t read Con’s three previous blogs on this subject (which IMO form the most lucid contribution to the decumulation debate so far) – search Con Keating in the search box at the top of this page. … Continue reading

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When spending your retirement pot – the first 5 years are vital – Con Keating

The process of converting retirement savings assets into an income, which has come to be known as decumulation, needs first to be placed in context. The decumulation phase of retirement savings is that period when an income is drawn from … Continue reading

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Let’s not get caught with our trousers down (again).

The reason we have NEST and its £400m debt to the tax-payer is that the private sector refused to commit to supporting auto-enrolment ten years ago. If the organisations like Legal & General, Standard Life and Aviva , could have … Continue reading

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Spurring Altmann on

This must be an odd time for our new pension minister – Ros Altmann. As I’m finding out coming back from America, the first few days can carry you through on adrenalin. But then comes that wave of tiredness as … Continue reading

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Are workplace pensions “risk-free” to employers?

If you think workplace savings plans are “risk free” to employers – think again; “value for money” changes that Continue reading

Posted in advice gap, Bankers, consultant, dc pensions, Fiduciary Management, First Actuarial, pension playpen, pensions, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Annuity reform- payroll needs to be in the front seat!

Yesterday I wrote about the positives of the proposed abolition of compulsory annuitisation for the life insurers active in the UK pensions market. Today I want to share thoughts on payroll, who are always the last to be consulted and the … Continue reading

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All the right funds- not necessarily in the right order (a budget prescient blog)

  I wrote this blog hours before the budget which abolished annuities. For some reason I decided this morning, to write about investment as if annuities didn’t exist. From 2015, for new pensioners- they will no longer be the default, … Continue reading

Posted in auto-enrolment, CDC, corporate governance, dc pensions, de-risking, defined aspiration, Payroll, pension playpen, pensions, Popcorn Pensions | Tagged , , , , , , , , , , , , , , , , , , , , , , | 4 Comments