Tag Archives: Ros Altmann

Was DC the only choice for the Tata Steelworkers?


      Speaking on the radio yesterday, John Ralfe called the decision of Tata Staff to accept the loss of future accrual into a final salary scheme in exchange for a 10% contribution into a DC pension fund as … Continue reading

Posted in actuaries, advice gap, FinTech, Jersey, pensions, Pensions Regulator, Politics, pot | Tagged , , , , , , , , , | 1 Comment

John Ralfe, Ros Altmann and the cost of central heating.


John Ralfe kindly promoted my article on the lack of diversity in the AE review. The AE review and the pension stitch up. https://t.co/8585n7hOEL via @henryhtapper is spot on — John Ralfe (@JohnRalfe1) February 11, 2017 //platform.twitter.com/widgets.js Responsible John By … Continue reading

Posted in annuity, auto-enrolment, pensions | Tagged , , , , , , | 3 Comments

Pensions and the Media


We like to think that the media works well with the pension industry, but it’s a relationship based on our money, not on mutual respect. In this article I look at how the media really view pensions, concluding we have … Continue reading

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

Why some transfer values are (ridiculously) high.


A cash equivalent transfer value (CETV) is a right of anyone in a defined benefit pension scheme. The following explanation is taken from the Pensions Regulator’s website. A CETV represents the expected cost of providing the member’s benefits within the … Continue reading

Posted in pensions | Tagged , , , , , , | 12 Comments

Shouldn’t Pension Schemes CREATE jobs? #CIPD


News that ballooning pension deficits are hitting profits and leading to hiring freezes is both unwelcome and unacceptable. Pension schemes should be benefiting UK businesses, enabling them to retire those becoming less productive and hire the best new talent. But … Continue reading

Posted in accountants, actuaries, advice gap, pensions | Tagged , , , , , , , , , , , | 6 Comments

Please don’t die-I was enjoying your annuity!


News that Government has finally put the Secondary Annuity Market down is no surprise. It was one of Steve Webb’s worst ideas and has proved about as popular as Osborne. Economically, the creation of a market in annuities is a … Continue reading

Posted in annuity, pensions | Tagged , , , , , , , | 2 Comments

A sad year – when only Tories count.


I am going to the Conservative party conference, I am not going to the freak show in Liverpool and I don’t even know when the Liberals are convening. I have limited time on my hands to understand Government but I … Continue reading

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

Property or pension – Village or City?


  Ros Altmann, who writes better than any financial commentator I know, has produced a brilliant blog on the differences between investing in a property and investing in a pension. You can read the blog here, this is the key … Continue reading

Posted in pensions | Tagged , , , , , , , | 5 Comments

Where does all the money go?


Ok guy – have a look at this picture. It’s a very odd way of looking at money (especially the cash benefits – which for most will be the various family, disability and general living allowances). But it makes its … Continue reading

Posted in #WASPI, auto-enrolment, pensions | Tagged , , , , , , , | 3 Comments

Should we block the triple lock?


  Ros Altmann speaks out (shock!) We now have three former  pension ministers making a lot more noise than our current pension minister. Ros Altmann who we are now realising never should have done the jog Steve Webb who should … Continue reading

Posted in pensions | Tagged , , , , , , , , , , | 5 Comments