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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
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
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
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
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 CDC, DB, Defined benefit pension plan, falling markets, Markets, pension, pensions
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“ 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
“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
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 CMA, Dashboards, DWP, Guy Opperman, Open Banking, open pensions, pension, Pensions Minister
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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 AgeWage, Disclosures, IGC, pension, pensions, trustee, Value for Money, VFM
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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 CETV, pension, Pension Transfer, Royal London, Steve Webb, transfers
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