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Tag Archives: Legal & General
Light in the lifestyle tunnel!
The way in which your DC pot magically turns from investing in shares to investing in cash and Government bonds is called lifestyle and it involves hundreds of transactions in 60+ months before you buy your pension. All of these transactions involve … Continue reading
Why we must get resolution on pension charges
We shouldn’t underestimate the task the 14 members of the ABI have set themselves in promising to fully disclose charges and costs (see previous blog). 14 insurers have made the pledge but there are many insurers that haven’t nor are … Continue reading
The Regulator’s right to be cautious about mastertrusts
Over the past two years we’ve seen a number of multi-employer occupational schemes spruced up for auto-enrolment. We’ve seen a number of insurers and asset managers set up as the providers of master trusts. We’ve had a few financial advisers … Continue reading
How was the Plowman’s vision? – 2012 #pensions predictions revisited
Here were our pension predictions from a year ago (you can read the full blog from December 2011- here) Artificially depressed interest rates drive up DB deficits and depress annuities but the pressure on life companies and pension schemes to adopt … Continue reading
It worked for Wendy- how Morrisons staged auto-enrolment
If I had a vote for “pensions personality of the year, I’d give it to Wendy Taylor of Morrisons and I’d give her understudy Claire Ramus a “highly commended”! They’ve inspired their Board, their staff and they’ve brought a breath of fresh air to the … Continue reading
Opt-outs triggered by smartphones say Legal and General!
Speaking at a private conference for First Actuarial staff, Adrian Boulding said that Legal and General‘s clients were enthusiastic about their staging experience and he went on to suggest that members were much more ready to get information and transact digitally than his firm … Continue reading
Posted in actuaries, auto-enrolment, corporate governance, dc pensions, de-risking, Facebook, First Actuarial, Management, NEST, Payroll, pension playpen, pensions, twitter
Tagged Actuarial science, Adrian Boulding, Asda, IPhone, Legal & General, Marks & Spencer, National Employment Savings Trust, pension, Sainsburys, Scheme, Steve Webb
6 Comments
Scale and scalability- why L & G is the cuckoo in the Nest.
NEST is a pensions white-elephant and at £300m, the most expensive animal in the zoo Continue reading
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
Can GPP providers be a little clearer about commission?
Someone told me yesterday that he preferred ISAs to pensions because he knew what was going on with an ISA. He’s not stupid, he’s financially literate but it turned out he knew nothing about annuities and he asked that I blog … Continue reading
Posted in annuity, pensions, Retirement
Tagged Company, Employment, Friends Life, Insurance, Legal & General, pension, Scottish Widows, Standard Life
4 Comments
Auto-enrolment ; winners and losers.
Tesco doesn’t seem to be getting too much credit from the DB aficionados who have been perturbed by its attempts to push back retirement ages as part of the new deal.