Tag Archives: LCP

IHT issues for the dying, their pension administrators and personal representatives

Posted on May 15, 2026 by henry tapper

While this blog has been in favour of the Treasury discouraging using pension pots to mitigate Inheritance Tax , it is worried by the latest note coming out of the Treasury’s HMRC. The HMRC has published further detail on good … Continue reading →

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CDC offers a “real” retirement wage for post war children and kids born today (LCP)

Posted on April 21, 2026 by henry tapper

When people say “real” income, they mean income that keeps pace with inflation. Real income is a fantastic promise to make to someone retiring. Those under 55 today are a generation for whom “stagflation” is no fear, they underestimate how … Continue reading →

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The Dutch have taught us how to do CDC (we’ll learn from their mistakes!)

Posted on March 30, 2026 by henry tapper

The Dutch experience is often cited as a good reason not to use CDC to improve pensions. LCP say it’s a good reason for us to go CDC by learning from their mistakes. In the second of two essays from … Continue reading →

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How robust is CDC to different market conditions? – LCP looks at the last 80 years

Posted on March 30, 2026 by henry tapper

CDC investment strategy is twice as important as the contributions paid. – say LCP. I am understanding the history of money with them in the second part of their epic on the feasibility of CDC I am really pleased that … Continue reading →

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Sam Cobley gives LCP’s view on CDC pension and DC flexibility

Posted on March 15, 2026 by henry tapper

This is a blog about CDC and if you are interested in the subject, I recommend you listen to it. Sam has a very similar career path to Nico  (through banks and consultancy) and while Sam’s still at LCP and … Continue reading →

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If I was a strategist for an asset manager- I’d be interested in UK CDC

Posted on February 25, 2026 by henry tapper

Let’s not forget just what a chance CDC is to fund managers in the UK. At a time when DB schemes are hunkering down into end-games and DC schemes are consolidating into a few schemes which still are primarily focussing … Continue reading →

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Inheritance tax will apply to pensions from April next year

Posted on February 3, 2026 by henry tapper

LCP have done more than any other consultancy to ensure the process of collecting IHT when due from pensions is fair and given time. Thanks to the Lords and Baroness’ who contributed The Executive summary between pages 3 and 5 … Continue reading →

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What’s the CMI telling us about pensions insuring our living too long?

Posted on January 31, 2026 by henry tapper

Stuart McDonald has done so much for people other than experts to get to grips with longevity. I cannot admit to understanding longevity charts, even when Stuart resents them but I do my best to share what comes to me … Continue reading →

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A more realistic view of DC and CDC from LCP

Posted on January 28, 2026 by henry tapper

A lot of C’s in the headline! Yesterday’s meeting of minds over the take up of CDC threw out an assertion made by the Government that CDC was up to 60% better than a DC pension alternative. This is a … Continue reading →

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The Independent Football Regulator is both a challenge and opportunity

Posted on January 20, 2026 by henry tapper

It was good of LCP to offer places to a debate on the IFR to ordinary fans like me who have no interest in the IFR other than the football that we watch. At the beginning of three hours of … Continue reading →

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