Tag Archives: Pensions

Pension Dashboards – reasons to be cheerful!

 Watch the video and take pleasure in the thought that a properly functioning pension dashboard could be created in seconds on a tool in your pocket as early as the year after next. After years of faffing about – … Continue reading

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An afternoon asking about “value” and “money”

Joni Mitchell’s famous line tells a truth. When it comes to pensions, most people have no idea of the value of their pension rights, which is why DB was taken away from us. DB has gone, they paved paradise and … Continue reading

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Sorting the Pension Gender Gap needs more than a nudge

  I’ve turned back to the research done by State Street and People’s Pension on the pension adequacy. The report came out a while ago and it’s not had the attention it needs or deserves, you can read it here. … Continue reading

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IFOA seek a reverse gear for “the great risk transfer”.

Way back in time, before the pandemic hit, the IFOA launched a campaign to better understand the transfer of risk from institutions to individuals. I was in Staple’s Inn when the events chronicled by this video took place. It is … Continue reading

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The FT moves the needle on CDC

As I predicted, yesterday turned out to be a day of pension debate and what started as an editorial in the FT , was continued in an excellent seminar where Claer Barrett , Jo Cumbo and Sebastian Payne explored the … Continue reading

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How CDC can invest.

I spent an hour yesterday morning puzzled by the PLSA’s position on retirement choice architecture . The PLSA seem to have given up on “DC pensions” and they appear to have fallen out with the Government. You can read about … Continue reading

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24 hours to save pensions from Treasury nutters

  We have known some time that the minimum age at which most people can access their pension savings will be moving from 55 to 57 and will probably be pushed back again as life expectancy continues its remorseless progress. … Continue reading

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The USS valuation and a way forward

The controversy over the University Superannuation Scheme’s current valuation sums up all that’s gone wrong with defined benefit pension schemes. Let’s start with the view of John Kay, one of Britain’s most respected and outspoken economists. John Kay, one of … Continue reading

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Has lifestyling worked? Who knows?

Who knows! Lifestyling – (sometimes called “life-cycling”) in DC pensions means adjusting the asset allocation of a pension pot to meet changing circumstances as people prepare to crystallise their pension pot(s). A crystallisation is a transaction which sees an encashment … Continue reading

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Pension trade bodies vie for “tallest dwarf”.

On December 17th, the DWP reported on the findings of its small pots working group, the report was accompanied by press releases from the various participants in a competition to find the tallest dwarf. I am sorry to write ill … Continue reading

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