Tag Archives: Ralph Frank
Protecting against losses is not the same as generating a profit – guest blog from Ralph Frank
The Swiss National Bank’s (“SNB’s”) decision to abandon the currency ceiling of the Franc relative to the Euro has drawn attention to risk management and hedging. The losers from the SNB’s actions, including retail leveraged trading platforms, investment banks … Continue reading
Crushed by falling bond yields – great guest blog by Ralph Frank
Mainstream assessments of the state of investment markets tend to focus on the equity market. The level of the FTSE 100, S&P 500, Dow and/or Nikkei is deemed to be an indicator of the health of savers’ investment portfolios and/or … Continue reading
Posted in actuaries, Bankers, CDC, defined aspiration
Tagged Actuarial science, Actuary, annuity, Aviva, Bank of England, Blog, de-risking, Gilt yields, gilts, pensions, Ralph Frank
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After the 2014 earthquake, the 2015 Tsunami – great guest blog from Ralph Frank
The sheer scale of changes to the UK (defined contribution) pensions environment that have been announced in 2014 was not foreseen at the start of the year. Some of the measures proposed during the year, such as the charges cap, … Continue reading
The alchemy fallacy – Guest blog from Ralph Frank
The 2014 Edelman Trust Barometer found that financial services is the least trusted major industry, with a score of 48% globally (technology is the highest at 79%). Trust in UK financial services is even lower than the global average, coming … Continue reading
“Investing for the long-term” – guest blog from Ralph Frank
The Financial Services Consumer Panel (“FSCP”) recently published a number of suggested options for reform of the governance, disclosure and pricing of investment products. These options were based on the findings of two studies, one by Rajiv Jaitly and the … Continue reading
Why not have a goal? It need not be set in stone.
The majority of the population finds financial and investment matters to be confusing, at best, and intimidating. Recent legislative changes, particularly those related to freedom and choice at retirement, have increased the level of intimidation to such an extent … Continue reading
Double vision – a startling new blog from Ralph Frank
The latest Command Paper, ‘Better workplace pensions: Putting savers’ interests first’, has recently been published. This Command Paper follows prior consultations by the Department for Work and Pensions (“DWP”) on charges, transparency and quality standards in workplace defined contribution pension … Continue reading