Tag Archives: Pot

Should DC investment strategy be driven by pot size?

Posted on September 28, 2019 by

The FCA’s latest market data was published last week and it’s highlighted trends that I’ve been identifying on this blog for a few months. Just over 645,000 pension plans were accessed to buy an annuity, move into drawdown or take … Continue reading →

Posted in advice gap, age wage, consolidation, pensions | Tagged , , , , | 2 Comments

How to turn a pot into a pension (megablog)

Posted on February 24, 2019 by

Hello and thanks for your interest! This mega-blog should be helpful to people who are 55 or older and have money “stuck” in pensions which they could do with to replace income from work. “Stuck” is the right word, most … Continue reading →

Posted in advice gap, age wage, pensions | Tagged , , , | 4 Comments

Why the pension dashboards have to be commercial

Posted on February 17, 2019 by

  Government pension projects rarely succeed and where they do succeed – it is because the public and private sectors find a way to work together. There are exceptions – the state pension and unfunded public sector schemes are pretty … Continue reading →

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Self-sufficiency for pensions.

Posted on January 22, 2018 by

  Whether you are in charge of the PPF , one of the 13 Carillion defined benefit schemes, or any one of the thousand or so “distressed” pension schemes that might no have a sponsor able to bale it out;-the term … Continue reading →

Posted in CDC, pensions | Tagged , , , , , , | 1 Comment

DRAWDOWN TAX; I’m as free as a bird (in a cage)

Posted on January 26, 2017 by

  I’m as free as a bird can be when “freedom” is defined and confined by HMRC. “Me” as case study; I have a pension pot which wealth managers call “big” but can only supply me with an income of £15,000 … Continue reading →

Posted in pensions | Tagged , , , , , | 4 Comments

Do we need so many pension schemes?

Posted on April 17, 2016 by

Ireland’s pension regulator wants to cut the number of corporate retirement plans in the country from 150,000 to 100 in a move that would put pressure on pension providers and asset managers to reduce fees. So it’s reported in the … Continue reading →

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Pothole follows member

Posted on November 26, 2015 by

At one moment, as I sneakily followed the autumn statement on twitter (while supposed to be doing strategy), I heard the Chancellor remark Over the next five years the Government will spend £250m to pay for pothole repairs This has … Continue reading →

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When spending your retirement pot – the first 5 years are vital – Con Keating

Posted on November 8, 2015 by

The process of converting retirement savings assets into an income, which has come to be known as decumulation, needs first to be placed in context. The decumulation phase of retirement savings is that period when an income is drawn from … Continue reading →

Posted in pensions | Tagged , , , , , , | 8 Comments

So just how does pot follow member?

Posted on September 30, 2015 by

Steve Webb was a politician long on vision but short on execution and no vision of Webb’s was less thought through than the big idea that we should all have “one big fat pot”. So of all Webb’s pension models … Continue reading →

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Pot follows member – over a cliff?

Posted on August 27, 2015 by

There’s a great saying in racing “I’d follow that horse over a cliff”. It’s a morbid comment on most gambler’s instinct to chase losses for sentimental rather than economic reasons. When conviction sets in, then rationality is the loser and … Continue reading →

Posted in pensions, Pensions Regulator, Personal Accounts, Popcorn Pensions | Tagged , , , , , , , , , , , , , , , , , | 2 Comments