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Tag Archives: pension
Investing to secure defined outcomes
This is Stuart Fowler‘s first post on this blog. I am very pleased he is sharing this essay which focuses on the difficult challenge of investing for a pension. When I met the Chairman of the FCA I asked him if … Continue reading
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Posted in actuaries, advice gap, age wage
Tagged DB transfers, defined benefit, Drawdown, FCA, mortgage endowment, pension, Stuart Fowler
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Seven ways to improve Defined Benefit funding
In March 2020, The Pensions Regulator (TPR) opened a consultation on its proposed revisions to the DB funding code. In framing its response, First Actuarial proposes seven ways to change DB funding for the better. What do we want the … Continue reading
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Posted in accountants, dc pensions, de-risking
Tagged #Pensiondebate, DB Funding Code, pension, TPR
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Can Government put social freedom back in the bottle?
LATEST: All social gatherings of more than 6 people will be banned in England under new Covid-19 limits to be announced tomorrow by PM Boris Johnson. The police will have new powers to disperse and fine any group larger than … Continue reading
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Posted in coronavirus
Tagged Business, corporate governance, COVID 19, Employment, Lockdown, pension
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Ros Altmann’s response to TPR’s DB funding code consultation.
I have asked for responses to the Pension Regulator’s consultation questions and Ros Altmann has obliged. As a member of the House of Lords and former Pension Minister, I hope Ros’ replies will be of particular interest Continue reading
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Posted in accountants, actuaries, pensions, Pensions Regulator
Tagged Consultation, DB Funding Code, final salary, pension, pensions, Ros Altman, TPR
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Taking someone else’s numbers for it. The shortcomings of AoVs.
I suffer from pension dreams, these wake me up at odd hours of the morning with questions that I cannot answer. This morning’s question was put to me by someone who bought a pension savings plan from me when … Continue reading
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Posted in actuaries, advice gap, age wage, pensions
Tagged Actuary, advice gap, AoV, Assessment of Value, pension, pensions, Transparency
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93% of advisers put two fingers up to TPR’s Fast Track funding proposals
The UK #pensions sector has undertaken a temperature check on major changes to a funding code, governing DB schemes, proposed by the Regulator. The result was a cool response to proposals for a new “twin track” approach to scheme valuations. … Continue reading
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Posted in actuaries, pensions
Tagged actuaries, Consultants, lawyers, pension, Society of Pension Professionals, SPP, Turkeys
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Life expectancy is a statistical calculation which estimates the average number of years individuals in a certain group will live. However, people seem to interpret it as an expert opinion that tells them exactly how long they can expect to … Continue reading
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Posted in actuaries, age wage, pensions
Tagged Actuary, Australia, Jim Hennington, Life expectancy, lifetime pension, pension
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Superfunds and COVID-19
In a very good overview of superfunds, Jo Cumbo and the FT explain the new option available to the 5000+ employers sponsoring DB schemes on what Guy Opperman calls their spectrum of choice. Jo makes clear that superfunds are not … Continue reading
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“That’s an interesting choice”
“That’s an interesting choice” is a statement that interests me a lot. It is an entirely satisfactory response to a test we have just started with the FCA in which we allow people to compare pension pots by way of … Continue reading
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Posted in actuaries, advice gap, age wage, pensions
Tagged advice, choice, FCA, interesting, meaningful, pension, pensions, Sandbox, Scam, scammer
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Workplace pensions fall short over “at-retirement support”
At Retirement Support (with its unfortunate acronym) is not high on workplace pension provider’s priority lists and this is reflected in this survey published by Pensions Expert in an article by Stephanie Hawthorne The survey, conducted by Broadridge, was of … Continue reading
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Posted in advice gap, age wage, pensions
Tagged AgeWage, At REtirement, pension, Savings
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