Tag Archives: John Ralfe

Tata puts pensions first


  Though the details of Tata’s offer to the members of the British Steel Pension Scheme (BSPS) are only sketchy , it is clear that they are focussed on members getting “PPF+” on existing benefits and a defined benefit pension … Continue reading

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A time to be angry


  I got angry yesterday… I was on a conference call with a couple of lawyers arguing about the technical difference between a “duty of care” and the need to “act in good faith”. Apparently the semantics let an employer … Continue reading

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Rutger Bregman’s “Utopia for realists”


  I hadn’t heard of Rutger Bregman till this weekend and I still haven’t read his book “Utopia for Realists”. But I am drawn to a man who quotes the ideas of Thomas More , believes in a Universal Basic … Continue reading

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John Ralfe, Ros Altmann and the cost of central heating.


John Ralfe kindly promoted my article on the lack of diversity in the AE review. The AE review and the pension stitch up. https://t.co/8585n7hOEL via @henryhtapper is spot on — John Ralfe (@JohnRalfe1) February 11, 2017 //platform.twitter.com/widgets.js Responsible John By … Continue reading

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Narrowing the range of thought…


I get back from a few days in the North East to this headline in Corporate Adviser First Actuarial versus the world: DB’s glass half full or half empty? (you can read the article on the link at the bottom) … Continue reading

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Pensions and the Media


We like to think that the media works well with the pension industry, but it’s a relationship based on our money, not on mutual respect. In this article I look at how the media really view pensions, concluding we have … Continue reading

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Please don’t die-I was enjoying your annuity!


News that Government has finally put the Secondary Annuity Market down is no surprise. It was one of Steve Webb’s worst ideas and has proved about as popular as Osborne. Economically, the creation of a market in annuities is a … Continue reading

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Doesn’t pension freedom extend to Defined Benefits?


The debate about the assumptions we use to decide the state of our defined benefit schemes is in full swing. On the one hand you have those, like John Ralfe who use an approach which ensures that there’s always enough … Continue reading

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Very “interest”-ing


For millions of savers, the most important piece of financial news over the past few weeks has not been about the impact of bond yields on pension liabilities or their mortgage interest payments or the state of the stock market. … Continue reading

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Preparing for an auto-enrolment capacity crunch.


The Telegraph is running a story suggesting that the DWP are drawing up a plan B for auto-enrolment that could see the timeline for initial staging stretch to the next decade. Nannies, gardeners and staff at small firms may not get … Continue reading

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