Extending time horizons can ease short-term funding pressure, but it shifts risk toward younger members. Reform should make those intergenerational…
I've just come across this letter from Smithers, covering DB pensions in general and the USS in particular. https://smithers.co.uk/extending-the-liabilities-time-horizon-is-key-to-pensions-reform/
Great. A chance to nit-pick something from Steve Webb. The Married Woman’s Option finished in 1977, not 1978. SERPS was…
I was told by the Pensions Service, that if I divorced my husband before I retired, I would get a…
Tag Archives: Retirement
Things not many pension consultants will advertise
It is a timely reminder that good retirement outcomes may depend less on creating more options and more on making well-designed decisions on members’ behalf. Continue reading
Pension people- lets elevate our thinking to ‘consumer level’
To state the bleeding obvious, we should be offering consumers a better retirement income forecast than we do today. Continue reading
Posted in pensions
Tagged Dashboard, Income, Pension Dashboard, Pensions, Retirement, Richard Smith, Robert Cocrhan
3 Comments
De-risking a DC pot with “lifestyle” has no place as default for those still saving.
Stephen Thomas is a professional thinker. He has no reason to hold back and he doesn’t. Glidepaths and de-risking have no place (for him) for people in their fifties and sixties. Continue reading
Posted in pensions
Tagged Alison Fisher, Better Retirement, dc pensions, Pensions, Retirement, Stephen Thomas, WTW
3 Comments
Will CDC challenge DC workplace as the employer’s choice?
I read with great interest the Professional Pensions “Buzz ” results that asked this question and found a different result that I would have expected this time last year! Continue reading
Posted in pensions
Tagged annuity, Business, Business and Economy, CDC, DC master trusts, Pensions, R-CDC, Retirement, TPR, workplace Pensions
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“My pension offer” – explaining CDC to a confused sceptic 12 years ago!
This is a blog I published 12 years ago on 28th September 2014. It is now 12 years old and shows that the debate has been broadly the same for some time! Continue reading
Posted in advice gap, auto-enrolment, CDC, pensions, with-profits, workplace pensions
Tagged annuities, Business, Business and Economy, CDC, collective, DC Defined Contributions, Defined benefit pension plan, Drawdown, DWP, Employment, Financial services, flexible drawdown, Flumps, Government, Human Resources, Insurance, NEST, pension, Pension Regulator, Pensions, Retirement
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The VFM 2, LCP partners and Brian Henderson;- 3 visions for retirement! The 4th’s from employers and unions – to come!
Having been fairly stuck in driving forwards a pension solution (a collective pension) for the past few weeks, I took an afternoon with the foot off the accelerator peddle to consider three discussions of the state of pension. The first … Continue reading
Posted in pensions
Tagged Brian Henderson, LCP, pension value chain, Pensions, Retirement, VFM
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Callum Stewart joins the queue wanting a change of name for CDC.
This is not having a go at Callum Stewart, quite the opposite, I am in the queue somewhere myself! What’s going on when people talk names (nomenclature if you’re posh) is to try to compress thinking into a word or … Continue reading
Posted in pensions
Tagged Callum, CDC, CDC pension, Collective Pensions, R-CDC, Retirement, Stewart
5 Comments
Dismay the marginalised lose trust in retirement saving – a Cambridge University study
This study tells us something we perhaps feel inside, that giving us the freedom to get out of saving retirement doesn’t make retirement very good. Here’s the abstract Both insufficient saving and early withdrawal of retirement savings jeopardize financial … Continue reading
Posted in pensions
Tagged Cambridge University, Early withdrawl, minorities, Pension Freedoms, Retirement
2 Comments
Retirement CDC – a long wait for something you can have now!
I like Johan Kriek, he asks difficult questions of Collective Pensions (CDC) and sometimes I agree. This is one of those times, I was the one of the people who responded to the Retirement Consultation that closed in 2025. I … Continue reading
When taxation is retroactive it will change behaviour. Be careful with envy focused legislation promote real solutions to British poor…