Tag Archives: Defined benefit pension plan

Looks like the cost of buying a pension’s just gone through the floor

Posted on June 13, 2014 by henry tapper

Good news- one insurer has just slashed its pension prices to make income drawdown affordable for all. For years we’ve been told that income drawdown was too expensive a pension management system for all but the DC glitterati. The consensus … Continue reading →

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“Accelerators” How a student wants to embed “pensions” in Britain’s start-ups

Posted on June 12, 2014 by henry tapper

I’ve written before about Josh Collins, a student who’s managed to get a first in mechanical engineering without sitting his  A levels (it’s hard to do exams when you are homeless from 16-18.) Josh sent me his thoughts on how … Continue reading →

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We need to know ourselves to plan the future.

Posted on June 9, 2014 by henry tapper

For all the  talk of tax, longevity, inflation and investment returns, the technicalities of retirement  planning are of secondary importance. In this article , I put these technical issues in a broader perspective. If we are to have sponsored financial education in this country, … Continue reading →

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Why Steve Webb took a punt on CDC

Posted on June 8, 2014 by henry tapper

To answer the question we need to understand the Government’s primary agenda; – to “win votes”. A secondary agenda is to “create a legacy by which it will be judged favourably”. If you are charitable, you might include a third … Continue reading →

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Government needs to publish its intentions for CDC

Posted on June 7, 2014 by henry tapper

The defined ambition agenda is a vague one. Steve Webb talks about wanting to give people more certainty in retirement. He’s talked about DC heavy (to and through investment strategies) and DB lite- exit routes from traditional guaranteed DB structures- … Continue reading →

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What will these pension freedoms cost the Treasury?

Posted on June 1, 2014 by henry tapper

There appear to be two versions of the Treasury’s costings of these new found freedoms we’ll be getting post April 2015. The first were published at the time of the budget and (with the proviso that the Treasury don’t know … Continue reading →

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Call in for a Great British Pension

Posted on May 13, 2014 by henry tapper

    The initial euphoria following the 2014 “pensions bombshell” budget may have died away, but in it’s place we are seeing real progress towards a better deal for those spending their pension pots.   Work is concentrating on two … Continue reading →

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Pension Play Pen Lunch – Do we need default funds in retirement?

Posted on May 11, 2014 by henry tapper

  The May Pension Play Pen Lunch will be held in the back gallery room of the Counting House – 50 Cornhill, London EC3 ( 250 yards to the East of Bank Station). We’ll be discussing whether we need in … Continue reading →

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“Ring out the old – ring in the new”- who will be our investment fiduciaries in retirement?

Posted on May 9, 2014 by henry tapper

Yesterday I went to the Schroders DC Challenge conference which was all about “delivering value and certainty” to retirement savers. I left enlightened by some interesting debates and one or two talks. I’ll share with you three observations that I … Continue reading →

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How I want my hard-saved earnings – thoughts on a walk!

Posted on May 5, 2014 by henry tapper

  Not many people fantasize about the letter they will get from their workplace pension provider when they get to the point they can start spending their hard- saved earnings. As I made my way around Studland Bay, Old Harry … Continue reading →

Posted in advice gap, annuity, Bankers, Blogging, CDC, dc pensions, defined aspiration, FCA, Financial Conduct Authority, NEST, pension playpen, pensions | Tagged , , , , , , , , , , , , | 4 Comments