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Tag Archives: Old age
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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Posted in pensions
Tagged Al Rush, Dave Thompson, Old age, pensions, phoney freedoms, Wage in retirement
10 Comments
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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Posted in advice gap, auto-enrolment, CDC, pensions
Tagged BSPS, CARE, CDC, NHS, Old age, pension, pensions, Retirement, tata, Wage for life
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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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Posted in doctors, pensions
Tagged Dementia, Newcstle Univeristy, Old age, Saga, the Seed Project
5 Comments
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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Posted in Facebook, First Actuarial, pensions, twitter
Tagged CARE, Debora Price, Dementia, Drawdown, jo cumbo, Old age, pension
3 Comments
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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Posted in pensions
Tagged Damian, elderly, grey hair, Happiness, Happy Henry, love, Old age, pension, pensions, pound, Savings, Spend, the pension pound
6 Comments
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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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
3 Comments
“Hope I die before I get old..?”
The quote’s from Pete Townsend and the Who’s “my generation”. It’s a brutal version of the Beatles’ “when I’m 64” but both songs are driven by the fear of getting old “will you still need, me, will you still … Continue reading
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Posted in accountants, actuaries, CDC, pension playpen, pensions, Pensions Regulator, Popcorn Pensions, Public sector pensions
Tagged Business, dc pensions, Defined benefit pension plan, Employment, Financial services, George Osbourne, Government, Housing, Old age, Pension Reforms, Reforms, Retirement, the Beatles, The Who
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Safe, stable, regular and for life
I had lunch with Mr Sipp yesterday. Mr Sipp is John Moret and he has done more to pioneer the new pension freedoms than anyone else. I think the dodgy curry and glass of house white I bought him scant … Continue reading
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Posted in annuity
Tagged annuity, Drawdown, fleixible drawdown, Flumps, Guidance, Guidance Framework, Income, Old age
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