Tag Archives: Hymans Robertson

The give and take of workplace pensions (it can’t all be “done for us!”)

Posted on January 28, 2023 by henry tapper

“Done for you” has become an over-worked phrase in a very short time. I started using it to refer to the CDC decumulation solution discussed by Simon Eagle and others where CDC becomes another investment pathway – with the pension … Continue reading →

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Why charitable DB schemes shouldn’t rush to buy-out.

Posted on November 7, 2022 by henry tapper

  Stephanie Hawthorne has written another well researched and thoughtful article on defined benefit schemes funded by charities for their staff. These schemes are different from corporate DB schemes in a number of ways. 40% of them are open to … Continue reading →

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1m+ employers chose workplace pensions, how many will review that choice?

Posted on December 7, 2021 by henry tapper

  Thank to Hymans Robertson, for a series of excellent sessions on the benchmarking of workplace pensions value for money propositions. The sessions have been led by Michael and Shabna. The consultancy is looking to encourage good practice amongst not … Continue reading →

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Club Vita’s latest picture of the Covid-19 data.

Posted on May 9, 2020 by henry tapper

Club Vita is an actuarial resource that helps pension schemes understand what’s going on death and health wise. It uses big data sets to create pictures which non-actuaries like me can understand. If , like me, you want to understand … Continue reading →

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Pension paralysis over the net-pay rip off.

Posted on April 13, 2018 by henry tapper

I won’t bore you with a list, but there are 31 blogs on this site dealing with various aspects of the net-pay rip-off which is denying hundreds of thousands of low-paid people the incentive promised them by HMRC for contributing … Continue reading →

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Insuring too much for living too long

Posted on January 18, 2017 by henry tapper

I went to an interesting debate this morning about the DB deficit crisis (what crisis?). A number of interesting things emerged, such as a statement that a pension scheme cannot get a real return on its investments. I looked at … Continue reading →

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Why a 12% pension saving rate is wrong.

Posted on November 25, 2016 by henry tapper

      I had hoped to talk yesterday with and  today about Lord Turner and the meeting of minds at the Pension and Lifetime Savings Association. The change of title a year ago had, I hoped , heralded a more open … Continue reading →

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“Blindsided!”-investment consultants caught by FCA’s rabbit punch

Posted on November 19, 2016 by henry tapper

Nobody saw it coming. I went to a conference of investment consultants earlier in the month, the FCA’s Market Review was not on the agenda of any of the day’s sessions. But the FCA’s proposal to make a MARKET INVESTIGATION REFERENCE … Continue reading →

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Ros Altmann’s got her mojo working!

Posted on April 15, 2016 by henry tapper

This article is best read to the sound of Muddy Waters 1966 version of “I got my mojo working”, if you aren’t in the quiet carriage, click on the video at the bottom and enjoy your next three minutes. Many … Continue reading →

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Why we will have to wait for our freedom.

Posted on January 13, 2015 by henry tapper

A prospect of market failure The sentence may have been over-turned but the prisoner is not free. At best he can wander the prison yard but the prison gates remain locked and even when they open , the pension will … Continue reading →

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