Tag Archives: spending

Don’t blame the young for the way they save – don’t blame the old for the way they spend!

Posted on June 14, 2019 by

The World Economic Forum has issued a report into retirement savings that concludes that most of us will be bound to the outcomes of defined contribution savings plans rather than the beneficiaries of defined benefit pension plans Don’t blame the … Continue reading →

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Getting youngsters saving more

Posted on June 5, 2019 by

Telling youngsters to save more is a waste of time It’s been a sad 48 hours on twitter watching the wolf pack turn on Paul Claireaux for his cappuccino blog – where Paul postulates that a youngster could have a … Continue reading →

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People don’t want to be #engaged or #educated – keep it simple and fun!

Posted on December 28, 2018 by

I enter into the final days of the year, hoping to hear less of the e-words in 2019. “Education” has been appropriated by the financial community as a way to endorse a value set that suits the financial community. Put … Continue reading →

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Save money and party – it’s the best way!

Posted on January 7, 2018 by

There is saving gene in our DNA. I haven’t  firmly identified it from the human genome project  but I think it’s the black ball just to the left of the light blue one second coil along.   Well there has to be a … Continue reading →

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“Rape and Kill” – why the public are turning off retirement advice.

Posted on September 29, 2016 by

Thanks to the PPI for the second Future Book – Unravelling Workplace Pensions. The 2016 Edition of the PPI’s study on workplace pension is published today. Getting data on the state of workplace pensions has always been tricky. If you … Continue reading →

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The future of NEST

Posted on July 8, 2016 by

  NEST has called for people and organisations to comment on what it should do when the initial surge of auto-enrolment is over. We have already seen rivals to Sage suggesting it remain circumscribed to its current limited function. We … Continue reading →

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Confusing intermediaries

Posted on December 23, 2015 by

Whether we are talking about saving (accumulation) or spending (decumulation) the issue is the same. Continue reading →

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When spending your retirement pot – the first 5 years are vital – Con Keating

Posted on November 8, 2015 by

The process of converting retirement savings assets into an income, which has come to be known as decumulation, needs first to be placed in context. The decumulation phase of retirement savings is that period when an income is drawn from … Continue reading →

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The frictionless fees that shame our name!

Posted on November 3, 2015 by

I have been following at a polite distance the argument among financial advisers between those pressing for fee disclosure in pounds and pence and those who would prefer to charge and disclose advisor fees as a percentage of the fund. … Continue reading →

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Lassitude or laxitude – 100 days of pension freedoms

Posted on July 15, 2015 by

“Lassitude” or “Laxitude” – what’s your judgement on how we’re carrying on? Or is this all just fine? Lassitude is a “proper” word that describes a lazy behaviour resulting from world weariness, laxitude is a made up word that describes … Continue reading →

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