Tag Archives: Tom McPhail

The toxic transfer; be wary when aggregating pensions!

Posted on October 16, 2012 by henry tapper

The DWP has published new statistics that support their contention that there is more economic value in the “pot follows member” model than the “aggregate to Supertrust” model. The NAPF have of course countered and have calculated that under the aggregator … Continue reading →

Posted in annuity, auto-enrolment, dc pensions, defined aspiration, pensions | Tagged , , , , , , , | 14 Comments

The new journalists

Posted on September 1, 2012 by henry tapper

We’re gearing up for the conference season whether we be journalists, delegates or the majority of us who get the highlights pumped at us through the media. Politics, business and journalism regard October as blanked out and historically those who … Continue reading →

Posted in Facebook, Henry Tapper blog, Linkedin, mallowstreet, social media, twitter | Tagged , , , , , , , | 4 Comments

The NAPF point the finger at the £1bn annuity scandal

Posted on February 5, 2012 by henry tapper

The picture shows the current view of member behaviours in DC and it’s been around long enough for us to feel reasonably confident that it works . The diagram promotes investment strategies that suit the needs of the three member … Continue reading →

Posted in annuity, dc pensions, FSA, Henry Tapper blog, NEST | Tagged , , , , , , , , , | 14 Comments

“A fair and lasting settlement”; public sector pensions

Posted on January 31, 2012 by henry tapper

Paul Johnson and the Institute of Fiscal Studies have done the numbers and, to nobody’s surprise, have concluded that the long-term cost of  public sector pensions in terms of “pensions out” will be about the same under the new regime … Continue reading →

Posted in de-risking, pensions, Public sector pensions | Tagged , , , , , , , , , | 2 Comments

Sorting the pensions of the “squeezed middle”.

Posted on January 5, 2012 by henry tapper

There are three distinct streams among those old enough to work and young enough not to, Stream One is for  those who can look forward to retirement with a degree of confidence because their employer is guaranteeing it. They are primarily … Continue reading →

Posted in annuity, Bankers, corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, FSA, Henry Tapper blog, Liability Driven Investment, Martin Lewis, NEST, pensions, Personal Accounts, Retail Distribution Review, Retirement | Tagged , , , , , , , , , , | 10 Comments

“Buying a Retirement Income” from an RIP

Posted on June 22, 2011 by henry tapper

I’m sure the panelled annuitants or Retirement Income Providers (hereafter known as RIPs) are feeling pretty comfortable about life this morning.

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Posted in annuity, NEST, pension playpen, pensions, Personal Accounts, Retirement | Tagged , , , , , , , , , , , , , , , , , , , | 14 Comments

Jimmy there’s still so much to be done

Posted on April 13, 2011 by henry tapper

Harnessing the power of fun to get things done.

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Posted in pension playpen, redington, Retirement | Tagged , , , , , , , , , , , | 1 Comment

#Budget11; a budget about #pensions

Posted on March 24, 2011 by henry tapper

Budget 11 is a pensions bombshell Continue reading →

Tagged , , , , , , , | 2 Comments

A massive failure of nerve – the sad state of our DC pensions

Posted on November 27, 2010 by henry tapper

Last year 460,000 people bought annuities from their DC pensions, Two thirds of these people did not bother to get the best rate for their accumulated funds and as a result suffered on average a 10% lower pension than those who did. Continue reading →

Posted in corporate governance, dc pensions, de-risking, EU Solvency II, Fiduciary Management, Liability Driven Investment, NEST, pensions, Personal Accounts, Retirement | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | 10 Comments

Spend don’t save.

Posted on October 31, 2010 by henry tapper

Let’s adopt a spend mentality to the future Continue reading →

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