Tag Archives: Longevity

Austerity keeps life “nasty, brutish and short”.

      An actuary friend of mine writes to me If we adjust the State Pension Age ahead of time, then it depends on assumptions for future improvement – (as adjustments follow a formula). And right now as you know … Continue reading

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Insuring too much for living too long

I went to an interesting debate this morning about the DB deficit crisis (what crisis?). A number of interesting things emerged, such as a statement that a pension scheme cannot get a real return on its investments. I looked at … Continue reading

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The Monarch and the Baroness – long live our queens!

Well done Ma’am! It’s a good week for the monarchy – and for our revered Queen Elizabeth who today becomes Britain’s longest reigning monarchy. Enough has been said about Elizabeth Regina for me to trouble these pages with further congratulation. She’s been … Continue reading

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What the great fall of China does to my pension.

The falls in the world stock markets since April appear huge, our own market has fallen 15% , market in Asia, much more. But the equity market that has fallen the most is China. The great fall of China is … Continue reading

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When you’re 64… buy the state pension! (girls buy even earlier!)

  I chaired and spoke at a number of retirement income seminars last month – you may have been at one. While I was encouraged by the engagement and education of the audience in financial products, I was frustrated by the scope … Continue reading

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Any questions on the Guidance Guarantee?

  This blog is about a conversation I had with the Pension Advisory Service. Following it I promised to feed back questions to TPAS about the Guidance Guarantee. The blog contains questions I want asking , some background on TPAS and … Continue reading

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The new consensus on when we can retire

It is only a matter of time for sponsors to have their Damascan moment and suggest to their trustees that a flexible retirement age is equally applicable to working practices and the payment of pensions Continue reading

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We need to do something about annuities

There is something fundamentally wrong with the annuity market that needs to be fixed Continue reading

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The divine comedy (a pensions joke)

“What’s going on , Regulator?” asked God. “Haven’t we got any of this lot into paradise yet?” Continue reading

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The CEO and the janitor

They don’t get it, they don’t trust you, they think you are pulling the wool over their eyes. Continue reading

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