Tag Archives: pension

Do we need to pay to get our money back?


Imagine going into a bank to withdraw money and being told to get advice before doing so. Imagine being told that the cost of that advice would run to many thousands of pounds. I very much doubt anyone would be … Continue reading

Posted in CDC, pensions | Tagged , , , , | 1 Comment

CDC – sharing risk in a bear market


This post is by the author of “launching CDC into a bear market” and again shows how CDC delivers a robust return in a bad times (a bear market). It does so by sharing risk and informs modelling by Aon … Continue reading

Posted in CDC, pensions | Tagged , , | Leave a comment

Launching CDC into a bear market.


The paper below is one of two that models what happens when CDC hits bad markets. I guess this one could be likened to launching a lifeboat into a stormy sea. CDC makes headway – but it’s tough. Imagine you’d … Continue reading

Posted in CDC, pensions | Tagged , , , , , | 1 Comment

We can’t reopen closed railways or pensions – but we can build anew


How does #CDC help the individual saver in a falling market as you claim….? @henryhtapper https://t.co/PbsnbcXwku — John Ralfe (@JohnRalfe1) December 26, 2018 When I wrote this blog on Boxing Day about “coping with falling markets” – I did not … Continue reading

Posted in pensions | Tagged , , , , , | 6 Comments

Coping with falling markets


It is a blessing that the first five years of auto-enrolment have seen world stock and bond markets rise. Low interest rates have had a lot to do with it, but we’ve also been in a period of comparative peace, … Continue reading

Posted in CDC, pensions | Tagged , , , , , , | 4 Comments

“ No man cometh unto the dashboard, but by me”.


This is the vision of the dashboard we sign up to – if we accept the Government consultation An alarming diagram that shows how a single pension finder would control all data on the dashboard pic.twitter.com/qIo3muL6cn — Pension Plowman (@henryhtapper) … Continue reading

Posted in Dashboard, pensions | Tagged , , , , | 3 Comments

“Deliver me a world without work”!


In almost every conversation I have had about the purpose of a pension dashboard, up comes the word “engagement”. Engagement has become the horse to the savings cart, “you can’t expect people to save more unless you’ve engaged them with … Continue reading

Posted in advice gap, age wage, Dashboard, pensions | Tagged , , , , , , , , | 1 Comment

Pension Dashboards – time to respond!


At a recent PPI seminar, Laurie Edmans reminded us that he had been responsible for helping Government nearly deliver combined pension forecasts in 2004 – nearly 15 years ago. I wrote to Laurie thanking him for chairing an excellent event … Continue reading

Posted in Dashboard, pensions | Tagged , , , , , , , | Leave a comment

Did I get “value for money” from my workplace pension


  Am I getting value for money from my workplace pension? is a different question to Did I get value for money from my workplace pension? the difference is more than one of present and past tense. The first question … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , , , , , | Leave a comment

Some odd things about partial transfers.


There’s a debate going on between Al Rush, Jo Cumbo, Steve Webb and a number of others with regards partial transfers from defined benefit schemes. Want to go 50:50 with a “final salary” pension transfer? Ford will soon let employees … Continue reading

Posted in advice gap, BSPS, pensions | Tagged , , , , , | 5 Comments