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Tag Archives: Risk
WTW-you don’t “de-risk”; you transfer risk!
In late March, Willis Towers Watson (WTW) published a survey of the choices made by 170,000 members of occupational defined benefit schemes. This is the question the survey sets out to answer “What choices have pension members made since the dawn … Continue reading
Posted in pensions
Tagged CETV, ETV, Pension Risk, Pie, Risk, Risk transfer, Willis Towers Watson, WTO, WTW
2 Comments
Why we’re forever blowing (transfer) bubbles!
It’s a shame that Alistair Cunningham’s thought-piece on behavioural bias’ encouraging herds of us to “cash-out” our DB pensions, is behind a pay-wall. If you are an FT subscriber you can use the link at the end of … Continue reading
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 covenant, covenant assessment, Goldman Sachs, Integrated risk management, Management, Martin Lews, PP, professional pensions, riks, Risk
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 actuaries, auto enrolment, FCA, Performance, Risk, Statistics, workplace pension
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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 classic, edducation, employer, financial education, IFA, Investment, Risk, staff, Vimeo
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
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 brats, Business, Business and Economy, CDC, children, corporate governance, corporate risk, dc pensions, Debate, Defined benefit pension plan, DWP, Employment, entitlement, Government, liabilities, pension, Pension new, pensions, redington, Retirement, Risk, Spoiled
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 accountants, auto enrolment, corporate governance, corporate risk, dc pensions, fact sheet, Financial services, Friends of Auto-Enrolment, Government, ICAEW, pension, Pension new, pension playpen, pensions, PI insurance, Politics, Risk, The Pensions Regulator, TPR, Workie
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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 accountants, auto enrolment, Creative Pension Trust, due diligence, pension playpen, practice, Risk
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
