Tag Archives: The Equitable Life Assurance Society

“The older I get, the less I trust my pension!”

An interesting observation from Gerry Barwell in 140 characters When I interview consumers on AE/ wider pensions – the barrier of mistrust is significant. Less so in the young but for 40+ Which gives us the opportunity to speculate on … Continue reading

Posted in actuaries, annuity, auto-enrolment, CDC, Consolation, pensions, Personal Accounts, Popcorn Pensions, Retail Distribution Review, Retirement | Tagged , , , , , , , | 9 Comments

Investing in the sunny uplands!

A common theme in my blogs is the frustration that people get stuck in the wrong kind of investments wrong in terms of charges, wrong in terms of management and wrong in terms of the suitability of the fund to a … Continue reading

Posted in actuaries, customer service, dc pensions, de-risking, defined aspiration, FSA, happiness, leadership, pensions, Popcorn Pensions, with-profits | Tagged , , , , , , , | 1 Comment

Collective Defined Contribution Schemes – A Shameful Missed Opportunity

An article by Kevin Wesbroom. In December 2008 the Government published the response to its paper on risk sharing pension schemes.  The opening sentence of the Executive Summary states “The Government is committed to encouraging good practice pension provision.”  In December … Continue reading

Posted in annuity, customer service, dc pensions, defined aspiration, pensions, Public sector pensions, Retirement | Tagged , , , , , , , | 13 Comments

Moving on..dealing with our DC legacy.

History suggests that legacy DC plans will be abandoned as so many of the individuals sold s226 and mark one personal pensions were abandoned.
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DC – a victim of “mark to market” evangelism?

At present, the DC affluent can protect themselves through the use of phased retirement and income drawdown. Those with small DC pots are least protected from market vagaries.
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Posted in NEST, pensions | Tagged , , , , , , , , , , , , | 4 Comments