Tag Archives: defined benefit

Corporate Myopia

Posted on July 22, 2015 by henry tapper

“Myopia” medically means short-sighted, in business a company is myopic if it cannot see the bigger picture. Businesses get short-sighted easily enough, typically when they do not need to try very hard and can concentrate on maximising return on easy wins. … Continue reading →

Posted in pensions | Tagged auto enrolment, DB, defined benefit, DWP, Employment, FCA, Financial services, Financial Services Authority, jonathan bull, Lesley Titcomb, Myopia, National Employment Savings Trust, NEST, OPDU, pension, Pension new, pensions, Pensions Regualator, Retirement, Tim Jones, TPR | 1 Comment

GARs – a simpler way out for insurers…

Posted on June 22, 2015 by henry tapper

This blog offers insurers a simple way out of the problem they have with Guaranteed Annuity Rates- it means paying the reserved for value of the policy rather than the (lower) investment value of the contributions. By way of explanation.. … Continue reading →

Posted in annuity, EU Solvency II, investment, London, Pension Freedoms, pension playpen, pensions, Pensions Regulator | Tagged advice, Annuity Rates, defined benefit, Equitable Life Assurance Society, Equity, Guaranteed Annuity Rates, Ros Altmann, Royal London, The Equitable, Transfer values | 6 Comments

A tax on pensions, no one saw coming.

Posted on May 19, 2015 by henry tapper

The single state pension , coming to a pensioner near you , from April 2016 is supposed to be simple. It will operate under the same rules for everyone. But that doesn’t mean that everyone will get the same pension (as … Continue reading →

Posted in pensions, Pensions Regulator, Ros Altmann | Tagged cuts, defined benefit, DWP, GMP, Indexation, National Insurance, pensins, Tax | 18 Comments

The freedom to transfer your pension benefits

Posted on April 16, 2015 by henry tapper

The freedom to transfer pension benefits has since the 5th April been denied to millions of those with deferred pensions. If you are a member of an unfunded Government pension scheme (any scheme other than the Local Government schemes), they … Continue reading →

Posted in pensions | Tagged Business, DB, dc, defined benefit, Defined Contribution, ETV, Financial Services Authority, Freedom, paradox, pension, Pension Freedoms, Pension new, pension playpen, Pension Transfer, pensions, Retirement, Transfer values, transfer-value | 2 Comments

Will pension freedoms be the death of Defined Benefit?

Posted on March 3, 2015 by henry tapper

I thought it was the last supper (or at least the last pension playpen lunch). We had twelve men around the table (no women) and there was sombre expectation as we considered the impact small changes in tax legislation … Continue reading →

Posted in advice gap, pension playpen, pensions, Pensions Regulator | Tagged annuity, Business, Con Keating, dc pensions, defined benefit, defined benefit pension, Defined Contribution, Freedoms, Government, last supper, pension, Pension Freedoms, Pension new, pension playpen, Pension Protection Fund, Pension Regulator, pensions, Politics, ppf, public sector, Public Sector Pensions, Retirement, state pension, Steve Webb | Leave a comment

Why DB pension promises may need a credit rating.

Posted on February 25, 2015 by henry tapper

How do you rate the creditworthiness of your scheme’s funding? Trustees of defined benefit schemes now have to properly assess the employer’s ability (and willingness) to fund the promises made to the members of the scheme. The assessment helps them in negotiations with the … Continue reading →

Posted in de-risking, defined ambition, Pension Freedoms, pension playpen, pensions, Pensions Regulator | Tagged Alan Rubenstein, annuity, Blog, Business, DB, defined benefit, Defined benefit pension plan, Employment, Guarantee, Insurance, Pension new, pension promise, pension scheme, pensions, ppf, Retirement, the Telegraph | Leave a comment

Let’s talk about risk – trustees, let’s talk about you and me..

Posted on February 22, 2015 by henry tapper

Members cannot take exercise freedoms on pensions in payment so the decision to draw a DB pension is as irreversible as buying an annuity. Trustees need to make their members knowledgeable about their options. Continue reading →

Posted in pensions | Tagged Alan Rubenstein, Business, DB, dc, dc pensions, defined benefit, Defined benefit pension plan, DWP, Employment, Financial services, Government, Guarantee, National Employment Savings Trust, pension, Pension new, pensions, ppf, Proimise, Retirement, Steve Webb, Transfer | 5 Comments

De-risking strategy found in pocket of comatose trustee

Posted on January 28, 2015 by henry tapper

The Pension Plowman rifling through the pockets of a trustee lying in the gutter following an all night pension celebration , has found too documents, the first a copy of Corporate Adviser the full text of which can be … Continue reading →

Posted in pensions | Tagged Business, Business and Economy, corporate governance, DB, de-risking, defined benefit, Defined benefit pension plan, ETV, Financial services, Government, Insurance, pension, transfer-value, trustee | 4 Comments

What do I do with my defined benefit pension?

Posted on January 26, 2015 by henry tapper

Many people have defined benefit rights (commonly called “frozen pensions”). Some people continue to build up defined benefit pension rights, most are in Government backed schemes. A large number of people are enjoying pensions from theses defined benefit schemes. … Continue reading →

Posted in advice gap | Tagged annuity, Business, Business and Economy, cash commutation, defined benefit, defined benefit pension rights, DWP, Employment, Financial services, Financial Services Authority, Government, National Employment Savings Trust, occupational pension, occupational pensions, partial transfer values, pension, Pension Advisory Service, Pension new, pension playpen, pension rights, pensions, Retirement, state pensions, Transfer values | 6 Comments

Why I’ll be taking my chances in the death pool

Posted on December 13, 2014 by henry tapper

Death is becoming an equal opportunity employer. Death is getting the diversity agenda.
Continue reading →

Posted in pensions | Tagged cetainty, Death, defined benefit, transfer-value | Leave a comment

Tag Archives: defined benefit

Corporate Myopia

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GARs – a simpler way out for insurers…

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A tax on pensions, no one saw coming.

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The freedom to transfer your pension benefits

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Will pension freedoms be the death of Defined Benefit?

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Why DB pension promises may need a credit rating.

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Let’s talk about risk – trustees, let’s talk about you and me..

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De-risking strategy found in pocket of comatose trustee

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What do I do with my defined benefit pension?

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Why I’ll be taking my chances in the death pool

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Tag Archives: defined benefit

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