Scheme actuaries use a nominal gilt yield curve, which they assert directly matches the currency and inflation exposure of those…
"prefers to compare the returns with a liability proxy (a mixture of gilt maturities)" Are those Index-Linked gilts, given that…
I agree the major problem with DC is that it has been designed as a savings plan not to provide…
Oh, and I think this confusion leading to DB being viewed as a pot by members is an unintended consequence…
Tag Archives: #pensions
Playing the second half of the pension game with “defaults”
“Making sure more employers and savers have the option of an innovative CDC pension scheme is an important part of making that happen.” It would be easy for an enthusiast like Henry Tapper to argue for a CDC future , … Continue reading
The menace of BRITE to our pensions
A few months ago , I started an article on Brite Advisors, a firm that was becoming notorious for losing people money. I stopped writing the article but I didn’t forget about Brite. A few days ago, my correspondent in … Continue reading
Australians ask “Has the UK been successful with digital advice?”
It is sometimes salutary to read the thoughts of Australians on the UK. They address complex ideas simply and their view of the UK is rarely “rose tinted”. In a recent article, Laura Dew, a British journalist living in … Continue reading
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Tagged #pensions, Alex Hore, Australia, Laura Dew, Optima pensions, Pensions, robo-advice, Stephen Huppert
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An actuaries guide to skipping “fast track” (what capital backing can do for your pension)
For an organization that I have no hope of ever joining, I get a lot out of the Institute and Faculty of Actuaries and yesterday they came up with another document that went straight into my reading tray. It will … Continue reading
“Insurers don’t understand investment”- that is the pensioner problem
Many comments on my blog are so well argued that they should be published as blogs in their own right, rather than languish in the obscurity of the archive! Some comments go unpublished but all are welcome (other than the … Continue reading
Sun Money solves the Retirement Riddle
Pilot your Pot with Harriet Every time Harriet Meyer runs a pension story in the Sun, my heart leaps. She has the knack of using snappy headlines and clear language to make the complex plain. Harriet modestly tells us on … Continue reading
Martin Lewis – if ever we needed an adviser
We watched the Martin Lewis 90 minute pension special again last night – not to pick holes in it but to pick up tips, especially around the sections on the state pension and benefits. We have friends and family who … Continue reading
American reforms aimed at the up and coming retirement saver
Before we beat ourselves up about our pension saving system, take a look at what is happening on the other side of the pond. The American system works for those who work long and hard and who have healthcare, it … Continue reading
The fall-out from LDI will dominate DB pensions in 2023
The FT has published a piece this morning suggesting a “blame game” between consultants and the providers of LDI solutions. Was it the providers or the advice given by investment consultants on implementation and management of leveraged LDI strategies … Continue reading
Stefan Lundberg on the Pensions Dashboard
Over Christmas, I have been running a series of blogs I’ve selected from my linked in feed as examples of “good thinking”, they’ve all been from Stefan Lundbergh, who is a good thinker. But sometimes, good thinkers can think themselves … Continue reading
Thanks for your reply. I hope it does successfully "embed both the real rate and expected inflation in one number".…