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Tag Archives: John Ralfe
Sadly – many nurses can’t afford their “gold-plated” pensions.
“The Government can get people back to work – and also reduce taxpayer costs – by allowing all public sector workers to choose higher pay today, in exchange for a lower DB pension in retirement” – John Ralfe This is … Continue reading
Sadly – many nurses can’t afford their “gold-plated” pensions.
“The Government can get people back to work – and also reduce taxpayer costs – by allowing all public sector workers to choose higher pay today, in exchange for a lower DB pension in retirement” – John Ralfe This is … Continue reading
Thoughts on “death and taxes and pensions”.
Here is how the Institute of Fiscal Studies concludes its report into the taxation of DC pots when the owner of the pot dies. I whole heartedly agree with the analysis and conclusions of this report. Conclusion Whether by accident, … Continue reading
It’s leverage wot dunnit!
Hidden borrowing, hidden losses and a hidden group of victims from the LDI crisis – that’s what came out of yesterday’s remarkable evidence sessions held in committee room 16 of the House of Commons. Hidden borrowing. The legal argument about … Continue reading
Why employers should be pig-sick about LDI (as should many DC savers).
This morning I will be giving evidence to the Work and Pensions Committee as part of its inquiry into Defined Benefit Pension Schemes with Liability Driven Investments. I will be giving evidence with John Ralfe, Con Keating and Iain … Continue reading
Unfunded pension promises don’t cost less to keep, but they’re more easy to break.
2/2 The cost of public sector pensions depends exclusively on the nature of the promise. Whether funded or unfunded, the promise is identical – and unconditional obligation for taxpayers to meet the pensions when they fall due. — John Ralfe … Continue reading
I’ll argue on my blog – not in parliament.
The Work and Pensions Committee announced the line-up for their sessions on LDI (23rd November). There’s been a bit of banter about lining up Con, John and Iain and me. Let’s calm things down. We may have very different views … Continue reading
John Ralfe turns up to the wrong debate.
The Corporate Adviser master trust conference was a success. I will return to sessions earlier in the day but this blog is about a debate between John Ralfe, an opponent of CDC and Simon Eagle who champions CDC both inside … Continue reading
Posted in pensions
Tagged CDC, CDC pension, Debate, John Ralfe, pension, ralfe, Simon Eagle, WTW
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“More that unites than divides” – Ralfe and Keating as one on LDI.
It’s helpful to think about local issues, like the current LDI crisis in terms of investment philosophy. In this article, I argue that two protagonists, who see pension fund investment differently are drawn together by an aversion to … Continue reading
The fight for fungible pensions continues!
“The tragedy of British pension arrangements is that the attempt to force safety on private arrangements is forcing them into collapse. Worse, it has allowed the older generation of pensioners to extract all the risk-bearing capacity of private sponsors for … Continue reading