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
Corporate wraps for the Sunny Uplands ?
Today I’m due to spend all day discovering what the corporate wrap has done for us. Currently I reckon I could sum it up in one word. NOTHING Of course it sounds better with a naughty word but that’ll do. … Continue reading
Posted in corporate governance, customer service, dc pensions, de-risking, pension playpen, Retail Distribution Review, Retirement
Tagged Business, Business and Economy, Chevrolet Uplander, corporate governance, customer service, dc pensions, de-risking, European Union, Financial services, Investing, pension playpen, Pension Poverty, Rage against the Machine, Retail Distribution Review, Retirement, Retirement planning, Saving
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You can’t buy a sausage with a brick
Abe Bacchus, the guy who taught me to sell life insurance in 1984, used this great phrase when a prospect objected to creating a “capital reservoir” for the future. Of course a geared investment into bricks and mortar over the … Continue reading
Posted in dc pensions, de-risking, NEST, Retirement
Tagged Business, dc pensions, de-risking, Economics, Equity release, housing market, Investing, Life annuity, LV (company), moneysavingexpert, NEST, pension, Retirement, Society, Stock market
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Nuts traced as market collapses – @ #ppshow
£64bn fell off the shares of the London stock market today. Meanwhile we were holed up in the Excel Centre, listening to the views of the great and the good.. Here are my good buddies Colin Wilson and David Harris. It … Continue reading
Posted in corporate governance, de-risking, pension playpen
Tagged 2012 Summer Olympics, Business, Colin Wilson, corporate governance, corporate risk, David Harris, de-risking, Economics, England, ExCeL London, Investing, London, OECD, Olympic Delivery Authority, Olympic Games, Organisation for Economic Co-operation and Development, Pension new, pension playpen, Stock market, Stocks and Bonds
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Bought any good derivatives lately?
Of course the banks aren’t going to put the kind of disclaimers that are meaningful within these products. Continue reading
Paul Bradshaw – champagne please!
Paul Bradshaw – the man behind Skandia and latterly Nucleus, Annuity Direct and a number of similar advisory ventures is a canny man- it was not for nothing that he offered a bottle of champagne to anyone who could truly claim to offer independent … Continue reading
Posted in mallowstreet, pension playpen
Tagged Business, Business and Economy, Champagne, Chardonnay, France, Funds, Hedge fund, Investing, linked in, mallowstreet, Martyn Lewis, Pension new, pension playpen, Pensions, Pinot noir, Skandia
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fudging, nudging (and attitude budging)
what starts out as a wish to get educated , realises itself in a sales experience and detoriates into disillusionment, is the standard experience of many members of the public. Continue reading
Whose NEST is being feathered?
In everyday speak- the early phase NEST default investment approach is patronising nonsense and its only value is to NEST and Government Continue reading
Big-Up for NEST’s investment strategy
I’ve been growing ever more confident that NEST is going in the right direction- especially with regards investment options.
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Posted in NEST
Tagged Business, Funds, Investing, Investment management, Mutual fund, NEST, pension, Target date fund, Volatility (finance)
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The Risks of DC Default Options
If you are in the default fund of your group personal pension you have the right to ask these questions. Continue reading
Posted in pensions
Tagged Business, default, Financial services, Insurance, International Monetary Fund, Investing, Management, Pension new, pensions, Risk Management
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You don’t know what you’re doing
I suspect that many of the mass affluent are still subliminally believing in the 1 for 10 rule and still believing that equities will grow by 10% per year as they did in the 80s and 90s Continue reading
Posted in annuity
Tagged Actuary, annuity, Business, David Cameron, Investing, Nigeria, pension, Pension fund, The Pensions Regulator
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That £4 figure may be defensible as an illustration of the combined benefits of pension saving, employer contributions, tax relief…