Tag Archives: equities

John Ralfe, Ros Altmann and the cost of central heating.


John Ralfe kindly promoted my article on the lack of diversity in the AE review. The AE review and the pension stitch up. https://t.co/8585n7hOEL via @henryhtapper is spot on — John Ralfe (@JohnRalfe1) February 11, 2017 //platform.twitter.com/widgets.js Responsible John By … Continue reading

Posted in annuity, auto-enrolment, pensions | Tagged , , , , , , | 2 Comments

These are the Good Times for savers and investors!


  It is very rare that savers get told they’re “having it good”, but if you’re saving into a workplace pension default , you’ve just had a great 12 months. I’m looking at a piece of paper that tells me … Continue reading

Posted in advice gap, auto-enrolment, pensions | Tagged , , , , , , | 2 Comments

Prof Mike Otsuka on First Actuarial and USS’ different approaches to self-sufficiency!


This article has been published by Mike Osuka on his blog. You can read the original here; http://tinyurl.com/j82en9s .   Mike is a  Professor in the Department of Philosophy, Logic & Scientific Method at the London School of Economics. He’s kindly … Continue reading

Posted in actuaries, pensions | Tagged , , , , , , , | 4 Comments

Brexit- good for people’s pensions. Pensions -worse for Brexit Britain.


Contrary to the received idea, Brexit and its aftershock, the Bank of England’s QE statement , has been good for the pension in people’s pocket. Ok, we don’t have pensions in our pocket- but if we’re simply valuing our pension … Continue reading

Posted in Bankers, pensions | Tagged , , , , , , , , | 2 Comments

Very “interest”-ing


For millions of savers, the most important piece of financial news over the past few weeks has not been about the impact of bond yields on pension liabilities or their mortgage interest payments or the state of the stock market. … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , , , , , | 3 Comments

Midsummer Madness as £3.5bn’s lost to real assets!


The Investment Association reported yesterday that jerks kneed £3,500,000,000 out of funds in June – “clearly Brexit has been unsettling, with property and equity funds particularly affected” – the report opined. Well £2.8bn was lost from equity funds and £1.4bn … Continue reading

Posted in pensions | Tagged , , , , , , , , | 4 Comments

Cash beats shares for capital gains (but not for pensions).


Paul Lewis has produced a brilliant study that shows how the outcomes of investing a capital sum in cash would have been better than investing in shares over the past 21 years. Paul is right, the numbers do  not lie and … Continue reading

Posted in pensions | Tagged , , , , , , , , , , | 2 Comments

Government Pensions? Who’s money is it anyway?


The vast majority of the money outstanding to those who work and have worked for Government is to be paid as pension. The Government’s pension debts – for its own people – have been estimated in the Whole of Government … Continue reading

Posted in pensions | Tagged , , , , , , , , , , | 4 Comments

More from Con Keating on how to spend your retirement pot ( no holds barred)


The very description of DC retirement savings arrangements as pensions is a gross abuse of the English language, as a pension is an income in retirement. Without a mechanism for converting the invested savings assets into income cash flows they … Continue reading

Posted in pensions | Tagged , , , , , , | 2 Comments

I know what to do- I just want help! Equities, volatility and dividends.


  The unconventional, but inescapable, conclusion to be drawn from the past fifty years is that it has been far safer to invest in a diversified collection of American businesses than to invest in securities – Treasuries, for example – … Continue reading

Posted in pensions | Tagged , , , , , | 8 Comments