Tag Archives: Old age

May Christmas bring you more “retirement years”

Happy Christmas Day!   2022 has brought us one guy who has filled us with good cheer. Stefan Lundberg is that man and over the Christmas period I want to republish a few of his great articles and blogs of … Continue reading

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People’s income needs in retirement don’t fall away with age (IFS)

Thanks to David Sturrock, Carl Emmerson and Carolyn Jones for their comments on the IFS’ excellent research¬† funded by IRS Savings consortium, which includes the ABI ACA, Canada Life, IA, MaPS, PLSA Particular thanks to Heidi Karjalainen who together with … Continue reading

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Downing Street’s three pension interventions this century.

Intervention one – The Turner Commission. It is useful from time to time to revisit the work of Adair Turner’s Pension Commission which first reported in 2004. 18 years on the generation it considered “young” are now approaching the “normal … Continue reading

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A pension or a tax wrapper?

So we get to the heart of the matter. Is a pension a “wage in retirement” or is it a “tax-incentivised tax-wrapper”?¬† This little exchange on twitter sums up the differing views. For those who practice holistic financial planning, Al … Continue reading

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I’m busy making sure I stay alive!

Stella and I were listening to the conversation between two couples while at dinner on the train last night. The younger couple were conventionally married and in their fifties, the couple opposite were a mother and daughter , the daughter … Continue reading

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Opting back into a pension scheme?!?

One of the uses of a CDC scheme could be to allow people who have opted out of a DB plan – to opt back into a scheme which pays them a wage for life – albeit one that isn’t … Continue reading

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“Time spent frail in old age doubles”

  A Newcastle University study, suggests that elderly people are getting frail for longer as they reach the final years of their life. According to the Seed project men spent 2.4 years on average needing regular care and women three … Continue reading

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Planning for a noble and quick death?

  The FT has been doing some research about what motivates people to swap a pension for drawdown. The sample may not have been big but they’re drawing a strange conclusion. The superiority of the death benefits within drawdown are … Continue reading

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What do you mean “getting old”?

Hope I die before I get old   Today’s my son goes up to Cambridge, just as I did 36 years ago. He’ll make his own way, I am off to France to watch the Arc de Triomphe. It feels … Continue reading

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Selling happiness by the pound

    If I was Damian Stancombe, I wouldn’t be talking to me. Damian is a partner at a firm called Barnett Waddingham and I’m forever having a go at his firm. But he’s a tolerant fellow and we still … Continue reading

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