Tag Archives: pension

My house is my health plan?


  It is the one life event we don’t want to talk about. Shakespeare could only talk of it through the fool; Last scene of all, That ends this strange eventful history, Is second childishness and mere oblivion, Sans teeth, … Continue reading

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Tory plans for pensions (with impressive opinions for boss/pub/partner)


Replace the current State Pension ‘Triple Lock’ with a new ‘Double Lock’ by 2020 – ensuring rises are in line with earnings or inflation. The ‘Triple Lock’ will be maintained until then. Frankly , most people didn’t expect triple-lock to … Continue reading

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The £1 Trillion Gain From Dumping Pension Convention


You wait ages for one to come along then two come along at once. Not buses, but reports disrupting established thinking on how we value pension liabilities. Nikesh Patel, Head of Investment Strategy UK & Maya Beyhan, Investment Strategist at Kempen Capital … Continue reading

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Isn’t life looking up for our DB Plans?


  Say it quietly but the outlook for our defined benefit pension schemes is improving. Members , trustees and sponsoring employers can be heartened by five concurrent signals – all of which suggest that the cataclysm predicted last year by … Continue reading

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Bad language gives pensions a bad name.


Yesterday a financial journalist called about a confusing e-mail she had seen showing changes to a friend’s pension plan The letter was trying to explain how the friend’s fund management would change – to give her freedom and choice in … Continue reading

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“Ease of use” or “value for money”?


Paul Lewis, above all other financial journalists is the master of the 140 character tweet. Here is one of his very best, embedded in a conversation with Louise Cooper. The genius is in the “compete mainly on rhetoric and ease … Continue reading

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What a “strong mandate” means for pensions.


Since the range of outcomes considered by the bookies ranges from “strong” to “weak” conservative majority, I’m putting my money on the Liberals getting an overall majority (only 25-1 with William Hill). That seems the likeliest alternative outcome and I’ve … Continue reading

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“Vantage is value” – but relative to what? Hargreaves Lansdown’s IGC report


I’m pleased that after a really poor first IGC report, the Hargreaves Lansdown IGC have taken producing their 2017 report, more seriously. A smooth operator If there was such a thing as a premium workplace pension, the Hargreaves Lansdown (HL) … Continue reading

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Virgin Money IGC report;- now that’s the way to do it!


  Last year’s report from Virgin Money was the best I read and this year’s report looks like it might make it a notable double. The Virgin Stakeholder Pension comes under severe scrutiny The report does not pull its punches, … Continue reading

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A pensions dashboard brings its own risk.


A need for pension I am keen not to pour cold water on the pensions dashboard, but I am not having it promoted as the game-changer to savings behaviour. The pensions dashboard is what Martin Clarke, the Government Actuary, refers to … Continue reading

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