Tag Archives: Risk

Should we invest, when we’re in debt?


There’s a very good  BBC Martin Lewis Podcast on borrowing ; http://www.bbc.co.uk/programmes/p04qhdsg We’ve always thought as Lewis as anti-debt (an advocate of “debt-free” living). The Podcast gives as an example a man who has moved to the country with his … Continue reading

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

Why can’t we talk about investment returns?


  Investment performance has become a taboo – a “no go zone”. This suits the auto-enrolment agenda which is “comply or die”, but NEST has broken ranks and asked defaqto to publish comparative investment performance and it was right to … Continue reading

Posted in actuaries, auto-enrolment, pensions | Tagged , , , , , , | Leave a comment

Want to know about investment risk? Quietroom’s “difficult second video”!


The good people at Quietroom have come up with another classic. I have to admit to having a bit part – I was the idiot who they asked to edit their script – as if! I think it is a … Continue reading

Posted in pensions | Tagged , , , , , , , , | 3 Comments

Tata, BHS, Austin Reed- “the big mess”.


  In an excellent article “Home of the Big Mess” Ivan Laws gives us his experience of watching on as a defined benefit scheme he administered was plundered by people who had the wit to use pension surpluses to provide … Continue reading

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

Aren’t we our century’s spoiled brats?


Another year,another sensational headline from your “pension puncturing” Daily Express. It’s not a new story, its facts are from the Pension Institute study published last year. So long as interest rates remain low, pension liabilities will be inflated and pension … Continue reading

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

Tidings of great joy from the ICAEW


Auto-enrolment is a worry to accountants. Estimates are pretty consistent that around two thirds of all employers staging auto enrolment will look to accountants for compliance with auto-enrolment regulations and help with choosing and setting up a workplace pension. Unfortunately … Continue reading

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

Creative Pension Trust? – don’t ask me!


  Industry gossip or genuine cause for concern? A number of conversations I had at yesterday’s Capacity Crunch conference at the Friends of Auto-Enrolment focussed on the febrile finances of  master trust arrangements. In particular, the arrangement between the trustees and … Continue reading

Posted in pensions | Tagged , , , , , , | 4 Comments

Talking about risk- genuine conversation of lip service? (guest blog from Ralph Frank)


The phrase ‘risk-adjusted returns’ appears frequently in literature and conversation related to investment strategies and products.  Returns are (relatively) easily calculated and demonstrated, particularly looking back in time.  The risk part of the phrase is more difficult to identify in … Continue reading

Posted in pensions | Tagged , , , , | 3 Comments

Who’s risk is it anyway? How Canada and Britain are dumping pension risk


I’m off to Manhattan to talk to a couple of hundred Canadian pension experts. This is broadly what is going to be said, I’ll be sharing the stage with a couple of Canadian pension experts and (if you open the presentation), … Continue reading

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

A code of good practice for transfer advice?


  We are rubbish at financial risk and we know it. We take decisions on financial matters with as much confidence as betting on the horses and if our horse falls at the first we blame everyone but ourselves! Small wonder that … Continue reading

Posted in reward, risk | Tagged , , , , , , , , , , , , , , , , , , | 11 Comments