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Tag Archives: pension
A blueprint for pension consolidation.
Yesterday I was reading the corporate accounts of MoneySupermaket.com. Last year, as well as generating nearly £400m of turnover and making over £100m in profit, MSM were given personal information by over half the UK adult population. 25m people volunteered … Continue reading
Posted in pensions
Tagged Blueprint, pension, Pension consolidation, pension playpen, pension reform, pensions, Pot follows member
4 Comments
Don’t blame advisers for non-advised drawdown!
“Savers accessing the burgeoning non-advised drawdown market are failing to engage with information, investing in unsuitable investments and risking running out of money in retirement, an FCA probe has found”. – John Greenwood – Corporate Adviser. You can read the … Continue reading
Posted in advice gap, pensions
Tagged CDC, FCA, inheirtable, pension, pensions, Retirement, retirment incomes, Wealth
1 Comment
In defence of small pension schemes
I went to bed worrying about this statement and woke up with it still rattling round my brain. “A lot of employers are fed up with their pensions and want to see the back of them, they want to see … Continue reading
Posted in actuaries, pensions
Tagged Alan Rubenstein, assets, ed truell, liabilities, pension, pensions, Venture Capital
11 Comments
Something “DC” that John Ralfe and I agree on!
I sometimes think John and I will never agree, I am forever looking at the world half full and he “half empty”, where I see opportunity, he sees danger, where he sees certainty, I see parsimony. But when John posted … Continue reading
Posted in annuity, pensions
Tagged 401k, annuity, Colin Freeman, deferred, deferred annuity, John Ralfe, pension
3 Comments
Could a Local Government Pension Scheme go bust? NO
Well the answer “no” as has been explained to me by Colin Meech of Unison – who makes the following points; LA’s can not go bust in the way you suggest – they would be taken over by government … Continue reading
Posted in Big Government, corporate governance, governance, pensions
Tagged covenant, covenant assessment, KPMG, LGPS, pension, pension governance, pensions, Steve Simkins
2 Comments
There is only so much pension risk, an ordinary person can take.
This diagram shows us the points where we can do well in our “journey” as DC investors. It’s a useful starting point in working out how we create value for money for ourselves. This article shows that how much we … Continue reading
Standard Phoenixed.
There are few examples, since the demise of Equitable Life, quite so ignominious, as the end to Standard Life. Standard Life Assurance Limited is being sold to Phoenix Life for just £3.2bn , part of which will be paid to … Continue reading
Posted in pensions
Tagged David Hare, Good to Go, IGC, pension, Phoenix Life, Rene Poisson, Standard Life, workplace pension
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Royal Mail CDC – proof of concept or the real deal?
I am always amazed at the churlishness of the pension industry towards innovation. Here’s John Lawson suggesting that the Royal Mail should be spending £400m a year to satisfy his curiosity. I’d quite like one or two schemes to try … Continue reading
Posted in CDC, pensions
Tagged Aviva, CDC, John Lawson, pension, pensions, Plan, Royal Mail
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Time for a DC upgrade?
I was wading through yet another long and technical explanation of CDC when I got my Eureka moment! I don’t want a CDC plan, I want a DC upgrade! I’m not dissing legal eagle Sandeep Maudgil (who’s soon to appear … Continue reading
Posted in annuity, CDC, pensions
Tagged CDC, pension, pension upgrade, Royal Mail, SIPP, upgrade, workplace pension
3 Comments
Has the hardest nastiest problem in finance just got a little easier?
I enjoyed reading this serious and sensible argument by Steven Lowe of “Just”. I suspect that most financial advisers reading it will conclude, as I do, that planning an income for the final years of someone’s life is so fraught that (if … Continue reading
