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Tag Archives: Longevity
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
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
Posted in pensions
Tagged buy-in, buy-out, ft, Hymans Robertson, ILC, ILC-UK, Insurance, jo cumbo, LDI, Longevity, Technology
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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
Posted in pensions
Tagged CDC, collectives, DGF, diversify, Drawdown, Freedom, George Osborne, Longevity, Paul Lewis, Pension Freedoms, pensions, Tax, Treasury
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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
Posted in actuaries, annuity
Tagged DWP, GAD, IFA, Income, Inflation, Longevity, Old age, old age pension, Retirement, retirement income, Single state pensin, state pension, state pensions
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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
Posted in advice gap, Guidance, happiness, Retirement
Tagged Business, Drawdown, Financial services, Guidance, Guidance Guarantee, long term care, Longevity, Michelle Crackneell, pension, Pension new, pension playpen, pensions, Risk, Tax, TPAS
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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
Posted in pensions
Tagged ageing, Government, Local government pensions, Longevity, Paul Sweeting, pensions, Retirement age
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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
Posted in dc pensions
Tagged 401k, ageing, annuities, compulsory, conservative manifesto, dc pensions, LDI, liberal manifesto, Longevity, Noel Fitzgerald, obama, pension, pensioners
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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
Posted in pensions, Retirement
Tagged God, hell, Longevity, paradise, Pension new, pensions, ppf, Retirement, The Pension Regulator, trustees
5 Comments
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
Posted in pensions, Retirement
Tagged ageing, CEO, corporate risk, defined benefit, Defined Contribution, janitor, LDI, Longevity, pension, pensioners, pensions, Retirement, vegetables
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