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Tag Archives: decumulation
“Guided Retirement” will be hard work!
I’m a fan of Joey’s message from TPR in advance of the PPI’s report on the defaults that should help savers in turn pots to pensions. I’m a 64 year saver with a pot and no guided retirement yet. It … Continue reading
Posted in pensions
Tagged CDC, decumulation, Guided retirement, landscape, pension, PPI, Segmentation
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Cost caps seldom work forever; especially when they lead to price wars!
Supermarkets object to price caps, pensions should long ago have ditched a price cap on workplace pensions for the same reason. In my supermarket you can pay well over the price of a pint of milk for a pint of … Continue reading
Posted in pensions
Tagged charges, decumulation, Pensions, SteveWebb, Workplace saving
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The nastiest problem facing master trusts – designed for workplace saving (not retirement spending)
This blog is about the reasons pension master trusts are struggling to pay pensions. The individuals above are Christoph Hirt and Laura Johns whose report for Pi Partnership can be read here. The first workplace master trust to matter was … Continue reading
Posted in pensions
Tagged CDC, decumulation, master trust, Pensions, retirement income, Standard Life
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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
Posted in pensions
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
Posted in pensions
Tagged auto enrolment, CDC, Charles Counsell, DB funding, decumulation, Sarah Smart, TPR
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