Tag Archives: Retirement

Is there wisdom in saving?

Thanks to Dave Thompson who sent me this random picture, presumably with a hope of an answer! I suspect its a teaser for Pensions Awareness Day – which is now just a fortnight away! Well here goes Dave, I’m going … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , , , , | 1 Comment

It’s not pensions that are scary – it’s “search”!

I’ve been quoted in @OscarWGrut‘s latest investigation on how Google is STILL allowing high-risk bonds to be flogged in searches for savings deals, despite recent scandals. It’s time for Google to take its duty of care to consumers seriously. Read … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , | Leave a comment

The choices Hobson gives us at retirement

  I’ve been thinking about my options with my DC pension pot. Do I continue to want my money exposed to market risk , do I take an annuity rate depressed by quantitative easing or do I sit on a … Continue reading

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

“Your retirement salary” – the pension best seller.

How to use your lifetime of pension savings to pay yourself an income in your retirement   Richard Dyson & Richard Evans, the Daily Telegraph’s senior personal finance journalists, have written a book. I like the title “Your retirement salary” … Continue reading

Posted in advice gap, age wage, pensions | Tagged , , , , , | Leave a comment

Not all recycling’s in the public interest!

A lot of people are confused about taking money out of their pensions and the pensions industry isn’t being very helpful in encouraging people to have their money back (funny that!). So when I read a headline in the Financial … Continue reading

Posted in Debt, pensions | Tagged , , , , , , | 2 Comments

A common solution to the “retirement savings challenge”.

  I recently published Con Keating’s thoughts on why the “at retirement” decision is to complex. It is indeed the nastiest, hardest problem in finance. The blog prompted my old friend Sandy Trust to point us to the paper he … Continue reading

Posted in CDC, pensions | Tagged , , , , , | Leave a comment

Who cares? And how do we pay them?

News that the Government is mulling a new Care ISA – to be funded from retirement savings will be greeted with joy within the bubble and indifference from the vase majority of people who do not plan for the consequences … Continue reading

Posted in pensions | Tagged , , , , , , | 6 Comments

Prudential’s IGC get it right – a model Chair report.

To understand why the Prudential’s IGC reports are so good, you need to go to first principals and read the opening paragraphs of their value for money definition (oddly sitting on p40 of the report) The IGC’s approach to VfM … Continue reading

Posted in IGC, pensions | Tagged , , , , , , , | Leave a comment

Don’t blame advisers for non-advised drawdown!

“Savers accessing the burgeoning non-advised drawdown market are failing to engage with information, investing in unsuitable investments and risking running out of money in retirement, an FCA probe has found”. – John Greenwood – Corporate Adviser. You can read the … Continue reading

Posted in advice gap, pensions | Tagged , , , , , , , | 1 Comment

Beyond the workplace – managing our pension saving legacy.

  The FCA are consulting on the £400bn of pension assets that are not in workplace pensions. Implicit in the consultation is a desire to help those who depend on them in retirement to maximise these savings. The savings are … Continue reading

Posted in pensions | Tagged , , , , , , | 2 Comments