Tag Archives: Risk
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
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 accountants, auto enrolment, Creative Pension Trust, due diligence, pension playpen, practice, Risk
6 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
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 ageing, auto enrolment, Britain, Canada, CDC, dc pensions, de-risking, Pension Risk, pension.pensions, re-risking, Risk
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 advice, advisers, annuities, Bonds, Business, conduct risk, defined benefits, Financial adviser, financial objectives, Financial services, Guidance, makets, Pension new, pension playpen, pensions, Phil Young, Retirement, Risk, Steve Webb
11 Comments
Any questions on the Guidance Guarantee?
This blog is about a conversation I had with the Pension Advisory Service. Following it I promised to feed back questions to TPAS about the Guidance Guarantee. The blog contains questions I want asking , some background on TPAS and … Continue reading
Posted in advice gap, Guidance, happiness, Retirement
Tagged Business, Drawdown, Financial services, Guidance, Guidance Guarantee, long term care, Longevity, Michelle Crackneell, pension, Pension new, pension playpen, pensions, Risk, Tax, TPAS
3 Comments
Whatever we do, let’s do it together
I have just read a Report by Demos which ends like this The shift in private retirement coverage from traditional pensions to individual retirement plans has made the goal of a comfortable retirement a risky, costly gamble. A fortunate few will … Continue reading