Tag Archives: Lifestyle
Lifestyling the symptom not the cause of DC pension problems
The FT’s headline and accompanying article touches the symptom not the cause of the problem facing DC savers. In more technical language, Lex explains Mature savers who were shunted into bonds at record-high prices may now find their lifestyle fund … Continue reading
We need value for our money not “Retirement Roulette”
Stephanie Hawthorne has hit the nail on the head in her article today in the Mail’s this is Money section Are YOU at risk of missing out on thousands as pension plans stake your cash on a game of… … Continue reading
Time for the FCA to review its DC lifestyle guidance ?
Thanks to James Farr of Aviva for helping me out with the FCA’s most recent pronouncements on pension lifestyling. James and I worked together at Zurich some 20 years ago and it’s great to know compliance experts at a time … Continue reading
“How do we tell the children?” Our awkward problem over lifestyle.
For the purpose of this article – I will refer to some savers as our “children“, those under our care who have suffered loss while sleeping. They are the unwitting victims in the collapse in bond markets , including … Continue reading
Burnt at the stake – the 2022 “lifestyle” fiasco is no joke.
End of the sub-zero bond yield era https://t.co/4iygBZ3Z4o — Josephine Cumbo (@JosephineCumbo) January 5, 2023 Over the Christmas period , Japan decided to join the rest of the world and call time on “free money”. You now have to pay … Continue reading
Pension Lifestyling – the evidence
We at AgeWage aren’t concerning ourselves with theory, we busy ourselves with experience, studying the evidence of “what actually happened”. In this study, we look at what actually happened to people’s savings as they approached retirement and we’re focusing … Continue reading
Is there a golden investment pathway? I say there is!
If you were building a pathway you wouldn’t start in the middle, you’d want to know your start and end points and plan the whole route. Starting in the middle would mean taking some arbitrary judgments on future and … Continue reading
Posted in pensions
Tagged investment pathway, Lifestyle, lisestyle pathway, Pathway, pension, trustee
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What will lifestyle buy me?
“What will Lifestyle buy me?” is a great question. It’s one posed by a lady in a discussion group I’m a part of – looking at how we measure and use value for money as a measure – in workplace … Continue reading
Time to put a stop to the pseudo-science of life-styling
For 25 years, “life-styling” has been the accepted wisdom for defined contribution pension schemes in the UK. Pension experts now use the phrase without thought to the confusion of a public for whom lifestyle means something altogether different from the … Continue reading
Con Keating asks “Does life-styling make sense?”
In the course of my recent work on value for money metrics, I have come across several schemes which apply life styling to older ages and many have argued that these strategies merit a benchmark which differs from the … Continue reading
Posted in actuaries, advice gap, dc pensions, de-risking, pensions
Tagged dc, de-risking, Lifestyle, pensions
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