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Tag Archives: shares
Why do DB transfer values make me sick?
One of the things ordinary people find hardest to work out is why their share of a defined benefit scheme can go up when stock markets go down. This happened last month where the stock market fell. But in August, … Continue reading
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Posted in actuaries, advice gap, BSPS, FCA, pensions
Tagged actuaries, DB pensions, equities, gilts, pensions, shares, Transfer values, XPS
8 Comments
Auto-enrolment pension savers could face significant losses due to poor climate risk practice
A new report by ClientEarth and ShareAction has revealed that millions of pension savers, including those signed up under the government’s auto-enrolment legislation, may face significant future losses due to lack of action from pension providers and their … Continue reading
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Posted in auto-enrolment, pensions
Tagged auto enrolment, Bears, Climate change, ESG, share action, shares
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Catch a falling knife?
For the first time since we had pension freedoms , we have a market that appears out of control. As I write, the London Stock Exchange is preparing to open, with the FTSE lagging the S&P by 2.5%. We are … Continue reading
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Brexit- good for people’s pensions. Pensions -worse for Brexit Britain.
Contrary to the received idea, Brexit and its aftershock, the Bank of England’s QE statement , has been good for the pension in people’s pocket. Ok, we don’t have pensions in our pocket- but if we’re simply valuing our pension … Continue reading
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Cash beats shares for capital gains (but not for pensions).
Paul Lewis has produced a brilliant study that shows how the outcomes of investing a capital sum in cash would have been better than investing in shares over the past 21 years. Paul is right, the numbers do not lie and … Continue reading
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Posted in pensions
Tagged Bonds, capital, Cash, Derek Benstead, equities, Investment, ISAs, Paul Lewis, pension, pensions, shares
2 Comments
Fungibility
One of the great words of the English language, fungibility means that something is replaceable. What’s fungible and what’s not? If I give you a tenner, that note is fungible with 10 £1 coins or two fivers. If I am … Continue reading
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Exploring the cost of ownership – Guest blog from Dr Chris Sier
Introduction The pension fund value chain is overly complex, costly and completely opaque to the end consumer. The Kay Review of UK Equity Markets and Long-term Decision-making (2013) highlighted this. In fact, the total cost of owning (TCO) a pension … Continue reading
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Long live workplace savings
If you work for a big company- the chances are you own shares in your employer. Watch out over the next couple of years for some interesting developments! Continue reading
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Posted in de-risking, pensions, Retirement
Tagged corporate risk, de-risking, in-specie, ISA, pension, pensions, Retirement, SAYE, shares, sharesave, workplace savings
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