Tag Archives: Economics

Too Expensive to Keep? Is it time to break our promises to the baby boomers?

Posted on September 21, 2016 by henry tapper

In a stunning lecture delivered without notes to a “senior” audience at the Oxford and Cambridge Club last night, Paul Johnson helped us ask these questions of ourselves. For his audience was by and large – precisely the entitled class … Continue reading →

Posted in pensions | Tagged baby boomers, Business, demographics, Economics, Employment, Financial services, Paul Johnson, pensions, Retirement, SERPS, Social economics, state pension | 6 Comments

“Pensions people can trust” – a proper kick in the nuts.

Posted on July 17, 2012 by henry tapper

If we could only lift up our eyes from our spreadsheets and do some strategic thinking, we’d be grateful that Labour are trying to clean up our act. Continue reading →

Posted in annuity, auto-enrolment, dc pensions, defined aspiration, mallowstreet, pension playpen, pensions, Retail Distribution Review | Tagged corporate governance, customer service, dc pensions, Defined benefit pension plan, Economics, Insurance, Liability Driven Investment, Pension Poverty, pensions, Politics, Retirement, Society, Steve Webb | 12 Comments

You can’t buy a sausage with a brick

Posted on October 3, 2011 by henry tapper

Abe Bacchus, the guy who taught me to sell life insurance in 1984, used this great phrase when a prospect objected to creating a “capital reservoir” for the future. Of course a geared investment into bricks and mortar over the … Continue reading →

Posted in dc pensions, de-risking, NEST, Retirement | Tagged Business, dc pensions, de-risking, Economics, Equity release, housing market, Investing, Life annuity, LV (company), moneysavingexpert, NEST, pension, Retirement, Society, Stock market | 2 Comments

Pension choices for smaller companies

Posted on October 1, 2011 by henry tapper

Smaller companies– those with less than 50 employees are the beating heart of Britain’s economy. It is from among their number that the next Virgin or Tesco will come and though many of them will be toast in ten years … Continue reading →

Posted in annuity, corporate governance, customer service, dc pensions, de-risking, pension playpen, pensions, Personal Accounts, Retail Distribution Review, Retirement | Tagged annuity, Business, corporate governance, corporate risk, customer service, dc pensions, de-risking, Economics, Employment, Financial services, Government, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Poverty, Pensions, pensions, Personal Accounts, Politics, Public Sector Pensions, Retail Distribution Review, Retirement, Small business, Tesco | 4 Comments

Yes – things are this bad in DC land!

Posted on September 28, 2011 by henry tapper

We all know that equity markets have sent the value of our pension savings into free fall and some people understand that low prospective interest rates mean the amount of pension you can buy from your savings has fallen lower. But did … Continue reading →

Posted in annuity, dc pensions, de-risking, pension playpen, pensions, Retirement | Tagged annuity, dc pensions, de-risking, Economics, Financial services, Forbes, Free fall, Insurance, Life annuity, National Employment Savings Trust, Open Market Option, pension, pension playpen, pensions, Politics, Reasonable person, Retirement, Saving, Society, Stock market | 12 Comments

Nuts traced as market collapses – @ #ppshow

Posted on September 22, 2011 by henry tapper

£64bn fell off the shares of the London stock market today. Meanwhile we were holed up in the Excel Centre, listening to the views of the great and the good.. Here are my good buddies Colin Wilson and David Harris. It … Continue reading →

Posted in corporate governance, de-risking, pension playpen | Tagged 2012 Summer Olympics, Business, Colin Wilson, corporate governance, corporate risk, David Harris, de-risking, Economics, England, ExCeL London, Investing, London, OECD, Olympic Delivery Authority, Olympic Games, Organisation for Economic Co-operation and Development, Pension new, pension playpen, Stock market, Stocks and Bonds | 2 Comments

None of my business

Posted on September 11, 2011 by henry tapper

I went to a meeting last week at the end of which the pension manager I was speaking with asked “I can see why this matters but why are you bothering?”. A very sensible question as it happened since the commercial … Continue reading →

Posted in annuity, dc pensions, de-risking, pension playpen, pensions, Retirement | Tagged Actuarial science, annuity, Business, dc pensions, de-risking, Economics, Financial services, Human Resources, Insurance, Jenny Davidson, Life annuity, moneysavingexpert, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Poverty, pensions, Retirement | 7 Comments

A pound spent on pension’s as good as salary – the new golden rule

Posted on September 9, 2011 by henry tapper

I published a blog recently on the need for the DWP to take notice of the real concerns of the ASA. It got some really interesting comments made on various sites mainly opposing the ACA’s pessimism. Interestingly the pessimism of the actuaries mirrors … Continue reading →

Posted in annuity, corporate governance, dc pensions, Fiduciary Management, pension playpen, pensions, Retirement | Tagged annuity, Business, corporate governance, croydon, dc pensions, Economics, Employment, Fiduciary Management, Financial services, Human Resources, Insurance, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Pound, Pension Poverty, Pensions, pensions, Politics, Public Sector Pensions, Retirement, Salary, Society | 4 Comments

IFEs not IFAs

Posted on August 31, 2011 by henry tapper

If you’ve followed my posts over the past few days, you’ll l know I’ve referred to a debate between advisers, insurers, pension managers and trustees which started out discussing the ethics of incentivizing enhanced transfer values and has moved toi discussing how and when advice … Continue reading →

Posted in annuity, corporate governance, dc pensions, de-risking, EU Solvency II, Liability Driven Investment, pensions, Retail Distribution Review, Retirement, Treasury | Tagged annuity, corporate governance, dc pensions, de-risking, Economics, Employment, EU Solvency II, Financial adviser, Frank Field, Human Resources, Independent Financial Adviser, Liability Driven Investment, National Employment Savings Trust, pension, pensions, Peter Flanagan, Politics, Proto-Indo-European language, Retail Distribution Review, Retirement, Treasury, trustee, Trustees | 18 Comments

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