I think the fundamental problem is not involving the employer in the retirement income consideration. Instead they are often seen…
There may be more fundamental issues with the US markets. In a recent article Smithers is highly critical of the 2013…
A very timely and important message to all employers and employee benefit consultants, whatever the size of the employer! In…
It seems to me that a pensions think tank, funded by pension industry stakeholders, will naturally scope the question as…
Tag Archives: Investing
We won’t reinvigorate workplace savings like this
This paper has the watermark of a Department, Government and Minister that has run out of steam. Time to reinvigorate the DWP. Continue reading
More cobblers from investment experts on DC pensions
I am afraid I have to report yet more moronic thinking from the investment community showing their disconnect with the ways and means of everyday folk. Example one is from Lyxor, who used to be called Societe Generale until they screwed … Continue reading
Posted in auto-enrolment, Bankers, club pension, Consolation, dc pensions, defined aspiration, happiness, Liability Driven Investment, mallowstreet, NEST, pension playpen, pensions, Personal Accounts, Public sector pensions, with-profits
Tagged Business, City, Funds, Investing, Investment, Paul Black, pension, Pension fund
8 Comments
Investing in the sunny uplands!
A common theme in my blogs is the frustration that people get stuck in the wrong kind of investments wrong in terms of charges, wrong in terms of management and wrong in terms of the suitability of the fund to a … Continue reading
Savvy punters will drive down pension charges.
Inefficient markets – don’t you just love ’em! We all love a bargain whether at the local boot or in the stock market. There was a time when I believed I could pick a stock or a horse and beat … Continue reading
Posted in auto-enrolment, Bankers, dc pensions, defined aspiration, economics, Horse racing, leadership, Management, Martin Lewis, NEST, pensions, Retail Distribution Review
Tagged ABI, Efficient-market hypothesis, Funds, Investing, Investment, Investment management, Labour, Martin Lewis, pension, Pitt-Watson, RSA
6 Comments
“These charges are no more- they have ceased to be”
Tell me about your Charges Sir Can’t do that …they’re hiddeen Tell me about your hidden charges then Don’t know what you’re talking about Sir. Much of the problem rests with the word “discretionary”. If you … Continue reading
Posted in Bankers, dc pensions, FSA
Tagged Business, City, Collective investment scheme, Funds, Hedge fund, Investing, Investment management, Mutual fund
4 Comments
Japanese Knotweed – the spread of passive defaults.
While investment consultants ponder the fifty shades of grey of diversification, I ponder just who , outside a small number of “experts” is prepared to take a decision on the default investment option of a company’s defined contribution pension scheme. This question … Continue reading
Self-serving nonsense from the City on LDI DC pensions
Apparently what the City would like to serve up to us to sort out our woeful DC pensions is a wonder drug called LDI. I read “with interest” that More than half of the pensions industry feels that the liability-driven investment techniques … Continue reading
Posted in pensions
Tagged Defined benefit pension plan, doctors, Investing, Investment, LDI, pension, Schroders, Steve Webb
9 Comments
SHOULD INVSTORS BE PREPARED TO PAY FOR CORPORATE ENGAGEMENT?
This is the question we’ll be debating at today’s pension play pen lunch. I’m a little daunted . I’ve read Professor John Kay‘s excellent paper about how equities work, should work and why they could work better. He’s in the middle … Continue reading
Posted in Bankers, Change, corporate governance, FSA, happiness, pensions
Tagged Business, City of London, Economic, Financial intermediary, Financial services, Investing, John Kay, Stock market
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Wrong is right…. Guest Blog by Steve Delo
The financial crisis has changed the financial landscape and had a dramatic impact on all investment decision making. Slap bang in the firing line are company pension schemes. And if you’re a trustee of such a scheme, you have onerous responsibilities, … Continue reading
That £4 figure may be defensible as an illustration of the combined benefits of pension saving, employer contributions, tax relief…