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Tag Archives: EU Solvency II
The sins of the past
We have concentrated our thinking on how the financial services industry will cope with the new business strain of auto-enrolment. For many providers the bigger issue will be the impact on its existing business. Continue reading
Insurers find comfort in Boardroom Benefits
Earlier in the week I mentioned I was highly sceptical about corporate wrap platforms. They have become the holy grail for a magic circle of insurance companies whose business models are increasingly focusing on pandering to the boardrooms of fellow corporate … Continue reading
Posted in corporate governance, dc pensions, de-risking, EU Solvency II, Martin Lewis, pensions
Tagged bribery act, Business, corporate governance, Cyberbury, dc pensions, de-risking, Distribution (business), Employee benefit, Employment, EU Solvency II, Financial services, FTSE 100, FTSE 100 Index, Insurance, Martin Lewis, McKinsey & Company, moneysavingexpert, Pension new, pensions, Pensions, PWC, Small and medium enterprises
2 Comments
IFEs not IFAs
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
There are better ways to de-risk than ETVs
The only pension schemes which you cannot transfer out of are the Basic State Pension, State Second Pension and NEST (yes – odd that a DC plan is in that mix). Continue reading
Posted in corporate governance, customer service, dc pensions, de-risking, EU Solvency II, Liability Driven Investment, NEST, Retirement
Tagged bribery act, Cash, Compensation & Benefits, corporate governance, corporate risk, customer service, Daily Mail, dc pensions, de-risking, Defined benefit pension plan, Defined contribution plan, EU Solvency II, Human Resources, KPMG, Liability Driven Investment, Manhattan Institute for Policy Research, NEST, pension, Pension new, Pensions, Politics, Retirement, Society, State Second Pension, Stock market
13 Comments
Tell them the truth (a ridiculous notion)
However, it would lead to the kind of engagement between staff and retirement that is needed if we are to move forward from the current deadlock of distrust.
Posted in EU Solvency II, NEST, pension playpen, Personal Accounts, Retirement
Tagged Business, Company, Employment, EU Solvency II, Financial services, Insurance, National Employment Savings Trust, NEST, Old age, pension, Pension new, pension playpen, Pension Pound, Pension Poverty, Personal Accounts, Public Sector Pensions, Retirement
7 Comments
Con climbs up Pigsah
And he went up from the plains of Moab unto the mountain of Nebo, to the top of Pisgah, that is over against Jericho.”. Deuteronomy 34:1
A massive failure of nerve – the sad state of our DC pensions
Last year 460,000 people bought annuities from their DC pensions, Two thirds of these people did not bother to get the best rate for their accumulated funds and as a result suffered on average a 10% lower pension than those who did. Continue reading
Posted in corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, Liability Driven Investment, NEST, pensions, Personal Accounts, Retirement
Tagged corporate governance, dc pensions, de-risking, Department for Work and Pensions, Employment, EU Solvency II, Fiduciary Management, Hargreaves Lansdown, Liability Driven Investment, Mike Wadsworth, National Employment Savings Trust, NEST, pension, Pension new, Pension Pound, Pension Poverty, pensions, Pensions, Persnal Accounts, Personal Accounts, Politics, Rensselaer Polytechnic Institute, Retirement, Society, Tom McPhail
10 Comments
You don’t always know what you’ve got till it’s gone
So I’m 48, 15 months older and I’d be able to buy an annuity-but they’ve paved paradise and I’ll have to wait till 2016 which sucks Continue reading
“I have looked over the cliff and I have seen DC”
It may have taken ten years but the precipitous drop to DC is now no joke. 2010 is likely to be a tipping point for many workplace pension schemes. Here are my personal predictions for the year ahead. Continue reading
Posted in dc pensions, pensions, Personal Accounts
Tagged annuities, dc pensions, DGF, EU Solvency II, Facebook, Local government pensions, Pension new, pensioners, pensions, Personal Accounts, twitter
1 Comment
I like annuities but I’m worried..
Imagine it- the prospect of a 15-20% pay cut for the rest of my life and all because the Government changed the rules. Continue reading
Posted in annuity, dc pensions, de-risking, EU Solvency II, pensions, Personal Accounts, Retirement, Treasury
Tagged ageing, annuiteis, annuity, Bank, bulk annuities, corporate risk, dc pensions, de-risking, EU Solvency II, Fiduciary Management, gilts, Local government pensions, Longevity, longevity bonds, Pension new, Pension Pound, pension pounds, pensions, Pensions, Personal Accounts, Retirement, Treasury, UK Treasury
2 Comments