Tag Archives: Pensions

“VFM framework” should follow horse racing’s Time Form and focus on winners and losers!

Posted on August 28, 2026 by henry tapper

It’s the last week in August, so time to drag up the longest running failure to deliver we’ve ever had. Superfunds? Small pot consolidation? Pension Dashboards? VFM assessments? We are not getting good ideas into action. It has not been … Continue reading →

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Patronising stuff about collective pensions from Mrs Schroders.

Posted on August 27, 2026 by henry tapper

Rachel Harris speaks for Schroders and explains this strange CDC thing to readers. Firms which may have a more paternalistic or “avuncular” approach to its retirement scheme members may be more likely to take up the adoption of collective defined … Continue reading →

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Reform have driven down a pension cul-de-sac; it’ll be tricky reversing out.

Posted on August 26, 2026 by henry tapper

The Reform view of pensions is hypocritical in the extreme. My friends at Prospect Union point this out with greater force than I can How hypocritical can you get? Reform MPs want to close public service pension schemes for millions … Continue reading →

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Cowardly capitalism blocks the free flow of transfers.

Posted on August 25, 2026 by henry tapper

I do not want to make a crisis out of a drama , but we are having a bit of a drama on this blog about whether we are taking bulk transfers from DC schemes seriously. I have stated that … Continue reading →

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We may criticise our pension investment but we can be thankful we aren’t in German Dentist Pensions

Posted on August 24, 2026 by henry tapper

The Germans sound as if they have got themselves into a mess with their pension investments. We can hardly crow (we lost up to a third of the capital in our DB plans in the autumn of 2022) but this … Continue reading →

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For collective pensions (CDC) to work well, they must look back as well as forwards

Posted on August 24, 2026 by henry tapper

The big issue in the DC/CDC debate so far has been about the future not the past. Royal Mail with their collective pension scheme have yet to transfer DC pots that postal workers have built up with them. The Retirement … Continue reading →

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Getting to grips with your pension savings – Scottish Widows talk simple sense

Posted on August 24, 2026 by henry tapper

Five mistakes you could be making with your pension – and what to do instead Avoid these costly pension pitfalls Camilla Foster offers this in the Independent here   It’s not often that I publish this kind of generic advice, … Continue reading →

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Pensions don’t lead to inheritance tax for anyone – it’s the pots that are the problem

Posted on August 23, 2026 by henry tapper

There are now four ways of avoiding inheritance tax with your pension pot (s) you’ve saved over your work career If you are within a year of joining a public service* pension you can swap your pot for pension based … Continue reading →

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Here’s the political Tom McPhail – is he the Tory counter to Torsten Bell?

Posted on August 23, 2026 by henry tapper

The Conservatives have a new financial spokesperson . He’s articulate and he speaks good sense to those who read him in the Times and Telegraph. Tom is a voice for those who have money or who aspire to be wealthy. … Continue reading →

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M&G’s “push me, pull you” bulk purchase annuity!

Posted on August 22, 2026 by henry tapper

In a week when Standard Life announced they were replete with funds there was more interesting news (to me at least ) from M&G which is also Prudential. As I understand it from my friend John Quinlivan, this is a … Continue reading →

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