Tag Archives: Retirement

Solving the nastiest hardest problem in finance with Arun Muralidhar

Posted on March 14, 2023 by henry tapper

  Arun Muralidhar is a campaigner for turning pots to pensions and he is speaking on the adoption of his solution – the Retirement Security Bond (RSB) – in countries around the world. He has asked me to publish this … Continue reading →

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We are sick not slothful – LCP’s analysis of the older “non-worker”.

Posted on February 21, 2023 by henry tapper

We are sick not slothful For some months, the messaging coming our of Government is that we must get the over fifties,630,000 of whom have gone missing , back to work. The absence of my generation from the workplace has … Continue reading →

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How would LDI funds stack up in a VFM framework?

Posted on February 15, 2023 by henry tapper

  Slowly but surely what happened to LDI pooled funds in late September and early October  is beginning to emerge. Katie Martin of the FT has discovered that rather than declare a negative net asset value for a pooled fund, … Continue reading →

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It’ll take more than a nudge to get us back to work!

Posted on January 21, 2023 by henry tapper

The Minister for employment is keen to nudge us back to work   The UK’s unemployment rate is close to its lowest level since the 1970s. But that’s not the whole story. About a quarter of people of working-age – … Continue reading →

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No crocodile tears over falling contributions – please!

Posted on December 29, 2022 by henry tapper

In a lachrymose display of virtue signalling, the PMI reports that many employees are either reducing contributions to workplace pensions or thinking of doing so. This is neither surprising or regrettable, people need to take pension holidays from time to … Continue reading →

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“A CDC design is not needed for the savings phase” – Stefan Lundberg

Posted on December 26, 2022 by henry tapper

For those who read headlines , this article by Stefan Lundberg , may look an attack on CDC. For those who read articles, this is one of the best explanations of how CDC can be adapted to be a mass … Continue reading →

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Eversheds swings behind retail CDC

Posted on December 3, 2022 by henry tapper

    Michael Jones is a Pensions Partner at Sutherlands Eversheds. Yesterday he published on linked in an article first published in Professional Pensions: CDC in decumulation – five key strategic areas for focus (professionalpensions.com) The importance of one of … Continue reading →

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HSBC tells us the problem – CDC gives us the solution.

Posted on December 3, 2022 by henry tapper

  The HSBC master trust has teemed up with Andrew Clare of Bayes Business School and Hymans Robertson to produce a report that tells us we currently have no good way of turning the pots we build up through auto-enrolment … Continue reading →

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Corporate Adviser lifts the lid on the “at retirement” toilet .

Posted on November 5, 2022 by henry tapper

If you thought that the FCA’s Retirement Income Study painted a messy picture of how we are turning pots into pensions, then take a look at Corporate Adviser’s Workplace Pensions Into Retirement Report. The FCA report on a relatively orderly … Continue reading →

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Boomers – confused! Does my generation get “retirement”?

Posted on August 17, 2022 by henry tapper

Dunstan Thomas has published a consumer study that tells me what I knew from personal experience, that my generation – “the boomers”, don’t know much about retiring or retirement.  Here is how it announces itself. Exploring Baby Boomers’ Lengthening Journeys … Continue reading →

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