Tag Archives: Longevity
The Present Situation – More humans, fewer problems
Thanks for Per Andelius who has sent me this marvellous paper from Harvard University It’s a forgotten truth that — more than oil, gold, or data — working-age adults are the most valuable resource of our time. Scientists, nurses, thinkers, … Continue reading
We are wanted “dead or alive”- pensions should not be the problem.
This post is written not by an actuary or risk manager but by someone who is 63 and faced with the predicament of choosing between an annuity or an income drawdown policy to fund his remaining 25 or so years. … Continue reading
BP – please spend your pension fund on pensions
BP is not a poor company. It has a very good pension scheme , with a fund which was created to be paid over time to its staff. Till payments are due, the fund can be invested for the benefit … Continue reading
Is the war on pension funding being “won badly”?
The PPF’s purple book for 2023 is out. The PPF tells us This publication tracks trends in DB scheme funding, demographics, asset allocation, and more. It also gives us, the PPF, an in-depth understanding of the risks we face from … Continue reading
How to stop us spending our pension pots like muppets.
When I asked Guy Opperman on Tuesday, what had happened to the 650,000 workers who’d gone missing from payrolls and benefit claims, he replied tersely “we know a little about that“. Clearly he knew the OBR’s estimate of tax receipts … Continue reading
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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