Tag Archives: Insurance

Isn’t it time we thought of pensions as insurance (again)?


  Yesterday, I wrote of the positive future that I saw for collective schemes, if they could rid themselves of the pernicious effects of financial economics. I based my arguments on my perceptions of the impact of mark to market … Continue reading

Posted in Blogging, customer service, pensions | Tagged , , , | 2 Comments

Why insurance isn’t always right.


This is an article in preparation for publication; thoughts on it, especially from insurers would be very welcome. In it, I argue that insured solutions are not always right for us – in our retirement savings and that insurance companies … Continue reading

Posted in life insurance, pensions | Tagged , , , , | 1 Comment

How the blockchain revolution could transform financial services


The technology likely to have a significant impact on the financial services industry and the world of business has arrived. Not peer-to-peer lending, artificial intelligence, big data, robo-advisers or Apple Pay – but rather blockchain, the technology behind digital currencies … Continue reading

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

Insuring too much for living too long


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

Posted in pensions | Tagged , , , , , , , , , , | Leave a comment

Planning Finances or Selling Insurance?


I’ve written a couple of blogs this week about my need for financial planning and my fear of wealth management. To repeat again, I don’t want to be treated as wealthy, but I do need help planning my saving and … Continue reading

Posted in accountants, actuaries, advice gap, pensions | Tagged , , , , , , | Leave a comment

The Blockchain is boring – we aren’t!


If you read my blogs you’ll know that I see the Blockchain as boring and beautiful at the same time. It is boring because it creates a central purchasing ledger and it is beautiful because it puts millions of boring … Continue reading

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

Is Yahoo insured?


  As I listened to the accounts of Yahoo’s 500m users being hacked (purportedly by a foreign government), four questions came to mind Why hasn’t the Yahoo share price fallen more than a couple of percent? Did Verizen, it’s prospective purchaser … Continue reading

Posted in pensions | Tagged , , , , , , , | 1 Comment

A little bit of anarchy does you good


I’m grateful to my Swedish friend Per Andelius for finding this. Provenance has kindly been provided by readers (see comments). In game theory, the “price of anarchy” describes how individuals acting in their own self-interest within a larger system tend … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , , , , , , , , , | 4 Comments

The role of the insurance market in developing Fintech


Have you thought about the risks of e-commerce? This blog talks to those interested in Fintech and in particular the promotion of the start-ups that drive innovation in financial markets. My digital start-up, Pension PlayPen is in terms of staff, … Continue reading

Posted in FinTech, Pension Freedoms, pension playpen, pensions | Tagged , , , , , , , , , , | 2 Comments

“Just because you’ve built it”..Some home truths about robo-advice.


The problem with Alan and Gina Miller is they are right, and they say the things that the financial services industry don’t want to hear. Before the TTF was a gleam in our eye , they were proving we were … Continue reading

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