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Tag Archives: Insurance
Bill Whitehead’s drawers
I wrote last week about why we need a national register of people’s pension pots (not a clearing house or a system of enforced transfers). Re-reading the post, I can see many people will be asking “what is the issue at … Continue reading
Search “my pensions”!
Steve Webb is right in reckoning we would value our personal pension saving more if it were in one big pot. He is right that this would make the job of converting pension saving into an income stream for life easier. … Continue reading
Posted in annuity, corporate governance, dc pensions, defined aspiration, FSA, happiness
Tagged DC Comics, DWP, Government, Insurance, National Employment Savings Trust, pension, Standard Life, Steve Webb
7 Comments
Sorting the pensions of the “squeezed middle”.
There are three distinct streams among those old enough to work and young enough not to, Stream One is for those who can look forward to retirement with a degree of confidence because their employer is guaranteeing it. They are primarily … Continue reading
Posted in annuity, Bankers, corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, FSA, Henry Tapper blog, Liability Driven Investment, Martin Lewis, NEST, pensions, Personal Accounts, Retail Distribution Review, Retirement
Tagged Government, Insurance, Open Market Option, pension, Pensions Management Institute, Retirement, Single-stream recycling, Solvency II, Stream, Tom McPhail, Treasury
10 Comments
Fair pensions at work.
How bosses decide to be paid is not just up to them. The shareholders, those lending money to the company and – not least – the rest of the workforce have a keen interest in making sure the company’s profits … Continue reading
Ticking timebombs in the pension cupboard
When things go wrong in DC pension administration they go badly wrong. The old axiom is “right first time”. The cost of unravelling a mistake can be ruinous. Take the case of the Dutch insurer Aegon, whose UK subsidiary formerly Scottish Equitable– has had … Continue reading
Posted in annuity, corporate governance, customer service, dc pensions, de-risking, Liability Driven Investment, NEST, pension playpen
Tagged Aegon, DC Comics, Financial Services Compensation Scheme, Insurance, National Employment Savings Trust, pension, Pension Regulator, Scottish Equitable
1 Comment
Chip off the old block?
My son Oliver has a blog and to my surprise has asked me to advertise it here … so here it is http://www.tapsport-o.blogspot.com It is a strange place. He doesn’t appear to have any interest in collective DC or annuities … Continue reading
Posted in Twickenham
Tagged annuities, Business, Collecting, Financial services, Home, Insurance, music, Ne-Yo, Recreation, Twickenham, United States, yeovil town fc
1 Comment
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
PPF II -opening the door for a better DC
We are where we are – the social contract has been decided… not compulsion but impulsion; impulsion into a DC pensions model that relies on the markets to deliver a second tier of pensions. Our retirements will be funded from employer and employee contributions over a … Continue reading
Posted in annuity, corporate governance, Liability Driven Investment, NEST, OECD, pension playpen, twitter
Tagged annuity, Anti-submarine warfare, Business, corporate governance, corporate risk, Financial services, Insurance, Interest rate, Japan, Liability Driven Investment, Life annuity, Market failure, National Employment Savings Trust, NEST, OECD, pension, Pension new, pension playpen, Pension Pound, Pension Poverty, Pension Protection Fund, Pension Regulator, Public Sector Pensions, Robin Ellison, Steve Webb, twitter
6 Comments
Yes – things are this bad in DC land!
We all know that equity markets have sent the value of our pension savings into free fall and some people understand that low prospective interest rates mean the amount of pension you can buy from your savings has fallen lower. But did … Continue reading
Posted in annuity, dc pensions, de-risking, pension playpen, pensions, Retirement
Tagged annuity, dc pensions, de-risking, Economics, Financial services, Forbes, Free fall, Insurance, Life annuity, National Employment Savings Trust, Open Market Option, pension, pension playpen, pensions, Politics, Reasonable person, Retirement, Saving, Society, Stock market
12 Comments
Feeding frenzy at the claims management zoo!
I was t-boned by an entrepreneurial garage owner on Saturday who , after shunting me off the road enterprisingly suggested that he would be happy to do the repairs on my car. I politely declined feeling it vaguely inappropriate. I … Continue reading