Tag Archives: Retirement

Is a retirement pot a retirement plan?

Posted on October 12, 2019 by

Jo Cumbo’s public resolution – as part of national financial planning week – to adopt a plan for her retirement – was as brave as it was sensible. How many of us have worked out a strategy for the “what … Continue reading →

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Is there wisdom in saving?

Posted on September 2, 2019 by

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 →

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

Posted on August 16, 2019 by

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 →

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The choices Hobson gives us at retirement

Posted on July 28, 2019 by

  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 →

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“Your retirement salary” – the pension best seller.

Posted on April 28, 2019 by

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 →

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Not all recycling’s in the public interest!

Posted on February 3, 2019 by

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 →

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A common solution to the “retirement savings challenge”.

Posted on August 27, 2018 by

  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 →

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Who cares? And how do we pay them?

Posted on August 20, 2018 by

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 →

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

Posted on April 9, 2018 by

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 →

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Don’t blame advisers for non-advised drawdown!

Posted on March 29, 2018 by

“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 →

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