Tag Archives: Pension Pound
Redefining the choice architecture at retirement.
In this blog I talk of Pension Pathways, which is what I call the variable pensions payable to people choosing to transfer their retirement savings pots into Collective Money Purhase pensions. Put another way, they are the scheme … Continue reading
Should pensions be personal?
I’m surprised to say that for the first time, the Pension Play voted unanimously after the 25th London lunch held at the Counting House on Monday December 5th. What, you might ask, could bring the following fine minds together in … Continue reading
24 cheers for The Pension Play Pen Lunch
There’s a fine tradition in this country of people getting together in coffee houses and taverns and sorting out how and with whom business should be transacted. This was how the insurance market was founded in London and it still is how … Continue reading
Posted in annuity, corporate governance, Facebook, mallowstreet, NEST, pension playpen, pensions, social media
Tagged annuity, bribery act, corporate governance, corporate risk, Cyberbury, Debate, Employment, Facebook, Leeds, London, Lunch, mallowstreet, Manchester, National Employment Savings Trust, NEST, pension, Pension new, pension playpen, Pension Pound, Pension Poverty, Pensions, pensions, Public Sector Pensions, social media, yeovil town fc, YTFC
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Le Pension Crisis est Arrivé
Image via Wikipedia PWC report today that the value of DC pension pots has fallen by 30% in the last three years. This Telegraph article gives the grim details. This is not a paper loss which can be reversed if markets recover, … Continue reading
Posted in annuity, corporate governance, customer service, dc pensions, de-risking, Fiduciary Management, NEST, OECD, pension playpen, Retirement
Tagged annuity, Bank of England, Channel 4, corporate governance, corporate risk, customer service, Cyberbury, dc pensions, de-risking, England, Fiduciary Management, Financial Assistance Scheme, John Hutton, moneysavingexpert, NEST, OECD, pension, pension playpen, Pension Pound, Pension Poverty, Pension Protection Fund, Pensions, Public Sector Pensions, PWC, Quantitative easing, Retirement, RSA, Steve Webb
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PPF II -opening the door for a better DC
We are where we are – the social contract has been decided… not compulsion but impulsion; impulsion into a DC pensions model that relies on the markets to deliver a second tier of pensions. Our retirements will be funded from employer and employee contributions over a … Continue reading
Posted in annuity, corporate governance, Liability Driven Investment, NEST, OECD, pension playpen, twitter
Tagged annuity, Anti-submarine warfare, Business, corporate governance, corporate risk, Financial services, Insurance, Interest rate, Japan, Liability Driven Investment, Life annuity, Market failure, National Employment Savings Trust, NEST, OECD, pension, Pension new, pension playpen, Pension Pound, Pension Poverty, Pension Protection Fund, Pension Regulator, Public Sector Pensions, Robin Ellison, Steve Webb, twitter
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It’s the legacy, stupid!
If we really care about retirement outcomes, we have to think about this stuff and the £20bn of unclaimed (orphaned) pensions that are hanging around in the back cupboards of life companies and occupational pension schemes alike. Continue reading
Posted in annuity, corporate governance, customer service, dc pensions, de-risking, Liability Driven Investment, Martin Lewis, pensions, Treasury
Tagged annuity, corporate governance, corporate risk, customer service, dc pensions, de-risking, Financial services, Hill Samuel, Insurance, Liability Driven Investment, Life annuity, Martin Lewis, moneysavingexpert, pension, Pension Pound, Pension Poverty, pensions, policing, Politics, Scottish Widows, Standard Life, The Pension Regulator, Treasury
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A pound spent on pension’s as good as salary – the new golden rule
I published a blog recently on the need for the DWP to take notice of the real concerns of the ASA. It got some really interesting comments made on various sites mainly opposing the ACA’s pessimism. Interestingly the pessimism of the actuaries mirrors … Continue reading
Posted in annuity, corporate governance, dc pensions, Fiduciary Management, pension playpen, pensions, Retirement
Tagged annuity, Business, corporate governance, croydon, dc pensions, Economics, Employment, Fiduciary Management, Financial services, Human Resources, Insurance, National Employment Savings Trust, pension, Pension new, pension playpen, Pension Pound, Pension Poverty, pensions, Pensions, Politics, Public Sector Pensions, Retirement, Salary, Society
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A broken housing market?
I have to admit to being baffled this morning by reports that house prices are set to increase by 25% (relative to what?), that rents will soar and that social (council) housing will become scarcer. Apparently we are building less houses … Continue reading
Posted in corporate governance, dc pensions, RBS, Retirement
Tagged Bank of China, Business, Capital accumulation, corporate governance, dc pensions, housing market, Market distortion, National Housing Federation, Owner-occupier, Pension new, Pension Pound, Pensions, RBS, Real estate, Real estate economics, Real estate pricing, Renting, Retirement, Robbie Fowler
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The right to screw up your pension
There’s a place in Iceland where the American and European tectonic plates grind together like two sets of molars. At Thingvellir you can smell the sulphur emitting from the fissures where the plates grind and you can peer into the unfathomable … Continue reading
When we make company pensions compulsory..
My point is that the pensions industry has a once off opportunity to get it right, this is our London Olympics and while we need to have our heads down making sure the infrastructure to make this work is in place, we should take a little time out to celebrate the fact that this “new day” is but a year away (M &S will be auto-enroling this time next year).
Posted in annuity, corporate governance, dc pensions, mallowstreet, NEST, pension playpen, Retirement
Tagged annuity, corporate governance, dc pensions, Defined benefit pension plan, Employment, Financial services, Government, mallowstreet, National Employment Savings Trust, NEST, pension, pension playpen, Pension Pound, regulation, Retirement, Society, The PEnsion Regulator, Trade union
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