Tag Archives: Financial services

If your pension’s been bought out – do you know what you’re missing?

  James Mullins of Hymans Robertson recently told Pension Age “The rapid growth in demand for pension schemes to insure their risks, along with improved pension scheme funding levels, attractive insurer pricing and new alternative risk transfer options, means that … Continue reading

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Equity Release is in its prime – funding retirement many ways.

How pensions are paid from our housing wealth If you get a pension paid by Legal & General, you are probably being paid in monthly charges against other people’s houses. The £400,000, your neighbour borrowed against their £2m property is, … Continue reading

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Pension Bee and the transfer Kerfuffle. Have your say 10.30 Tuesday.

Last week wasn’t just about politics. One of the last tweets Guy Opperman issued in his first term as Pensions Minister was in support of pot to pot transfers , following Pension Bee’s now notorious letter of complaint. Pleased that … Continue reading

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Dashboards will test quality of service – and value for members.

Thanks Paul McGlone for reminding the good people of Linked-in that “dashboard denial” is futile. He ends a pithy argument with an admission that while dashboards are coming , we don’t know quite when. Of course, none of that is … Continue reading

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300 new tickets issued for Friday’s VFM conference – register here.

We have been able to increase our Zoom capacity from 200 to 500, to allow a much wider audience. Following the publication of their findings on what members of workplace pensions want to know, Ruston Smith and Janette Weir will … Continue reading

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Has lifestyling worked? Who knows?

Who knows! Lifestyling – (sometimes called “life-cycling”) in DC pensions means adjusting the asset allocation of a pension pot to meet changing circumstances as people prepare to crystallise their pension pot(s). A crystallisation is a transaction which sees an encashment … Continue reading

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‘We’ve been here before’: IFAs round on gov’t DC illiquid assets plan

It’s not my headline (or my photo), I’ve nicked them from Citywire’s NMA and if you click the link you can read the views of a number of IFAs on the idea of having your pension pot invested in illiquid … Continue reading

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Standard Life’s IGC provides a bit in the middle

Standard Life’s IGC has been very courteous and issued an interim report for those (like me) who read their reports every March/April. This year we will have to wait till July to read the report and I’m particularly interested in … Continue reading

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John Ralfe’s CDC lecture

A big thank you to Imperial College Business School for making this a public lecture, It brought 140 people together, encouraged some sharp debate in the chat room and gave a platform to John Ralfe to explain the con trick … Continue reading

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If we have to take advice – pensions have failed

I have been in furious correspondence over the weekend with a friend , over one of the key words in today’s pension lexicon “engagement“. There is a strongly held opinion by many in pensions that we should require people to … Continue reading

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