Thanks. "The crucial difference, however, is that the ISA withdrawal is not a loan." As the two article links confirm,…
www.nber.org/system/files/working_papers/w32828/w32828.pdf While there is good evidence for automatic escalation in the US, it is not as powerful as its advocates…
"To what extent do minimum AE contributions need to increase? It would be good if everyone had contributions into DC…
Except they’re not saving into a pension, Minister unless we convert all those pots to CDC and give them what…
Tag Archives: Drawdown
“My pension offer” – explaining CDC to a confused sceptic 12 years ago!
This is a blog I published 12 years ago on 28th September 2014. It is now 12 years old and shows that the debate has been broadly the same for some time! Continue reading
Posted in advice gap, auto-enrolment, CDC, pensions, with-profits, workplace pensions
Tagged annuities, Business, Business and Economy, CDC, collective, DC Defined Contributions, Defined benefit pension plan, Drawdown, DWP, Employment, Financial services, flexible drawdown, Flumps, Government, Human Resources, Insurance, NEST, pension, Pension Regulator, Pensions, Retirement
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Brian Henderson’s view of VFM for those getting a retirement income.
I do like Brian and his recent work features on my blog because it is sane and soothes the troubled brows of those like the intrepid hosts of this pod. Continue reading
Getting paid retirement income from investments beats annuity or even CDC (says Brian Henderson)
Brian Henderson’s wonderful decumulation VFM chart! This man is asking the right questions and though my answer to DC starts with a “C”, I know that value for most people’s existing money will come from the decumulation of the DC … Continue reading
“There’s nothing special about dividends” – says Robin Powell.
This article is important to pensions though it’s aimed at people with portfolios of directly held shares. Pension funds of course don’t pay a dividend, they pay a pension which is an encashment of the fund. But people base their … Continue reading
Life Insurers promote themselves as different but they dependably deliver the same thing!
Who to believe? Both Scottish Widows and Standard Life are advertising their products with different messages but with the same pictures, pictures of happy clients being supported by human beings and by financial technology. The financial conundrum for insurance companies … Continue reading
Posted in pensions
Tagged Drawdown, Graeme Bold, Guaranteed annuity, Pensions, Scottish Widows, Standard Life
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The AIC’s solution to the nastiest problem in finance
This article is from the Association of Investment Companies. It would interest me to know whether education of this type has any influence on those , outside the readership of the AIC’s website. Good as the article is, it is … Continue reading
“Is it drawdown or a CDC pension for me?” asks an outsider looking in.
This comment is from an “outsider looking in” on this blog. The thought is very personal and explains why some who would have drawn down from a DC pot may prefer to be paid a CDC pension. I could chose … Continue reading
DWP find that like Andy Haldane, we can’t make “the remotest sense of pensions”.
My conclusion from reading Corporate Advisers report on DWP’s latest research is that the happiest of retiring savers today are being paid a defined benefit. The happiest in future will come from those who are on their way to a … Continue reading
Hugh Cutler – another brilliant mind baffled by drawdown.
This morning I find not one but two brilliant thinkers struggling with “drawdown from a pot” as a way to pay themselves and others a wage in retirement. Here is Hugh Cutler explaining the problem of doing this yourself! Can … Continue reading
Jonathan Guthrie again takes on the nastiest problem in finance.
Free link to FT article from here
Posted in pensions
Tagged Aggressive, £4£, Cautious, Cnasta, Drawdown, Jonathan Guthrie
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I did not find this , Torsten's most impressive work (not sure it was his). But it at least remind…