here’s what you’ve been saying
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Tag Archives: Transfer values
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
Posted in actuaries, advice gap, BSPS, FCA, pensions
Tagged actuaries, DB pensions, equities, gilts, pensions, shares, Transfer values, XPS
8 Comments
“Going halves on DB” – the argument for (and against) partial transfers.
(Rival) consultancy LCP and insurer Royal London have joined up to produce a paper calling for it to be mandatory for trustees to provide members with the option to take part of their DB pension as pension and part as … Continue reading
Posted in pensions
Tagged CETV, first actuarial, LCP, pension, pensions, Royal London, Steve Webb, Transfer values, transfers
2 Comments
Why we don’t have health-based pension transfer values.
A Coleridge moment in the City I walked into a church at the bottom of Bow Street yesterday afternoon to have a cup of coffee. Slumped over his laptop, deep in thought, I saw a friend… He awoke from a statistical revery and stared … Continue reading
Posted in pensions
Tagged Adrian Boulding, de-risking, ETV, first actuarial, James Smith, pensions, Pie, Pie exercise, Transfer values, TV
6 Comments
GARs – a simpler way out for insurers…
This blog offers insurers a simple way out of the problem they have with Guaranteed Annuity Rates- it means paying the reserved for value of the policy rather than the (lower) investment value of the contributions. By way of explanation.. … Continue reading
Posted in annuity, EU Solvency II, investment, London, Pension Freedoms, pension playpen, pensions, Pensions Regulator
Tagged advice, Annuity Rates, defined benefit, Equitable Life Assurance Society, Equity, Guaranteed Annuity Rates, Ros Altmann, Royal London, The Equitable, Transfer values
6 Comments
The freedom to transfer your pension benefits
The freedom to transfer pension benefits has since the 5th April been denied to millions of those with deferred pensions. If you are a member of an unfunded Government pension scheme (any scheme other than the Local Government schemes), they … Continue reading
What do I do with my defined benefit pension?
Many people have defined benefit rights (commonly called “frozen pensions”). Some people continue to build up defined benefit pension rights, most are in Government backed schemes. A large number of people are enjoying pensions from theses defined benefit schemes. … Continue reading
Posted in advice gap
Tagged annuity, Business, Business and Economy, cash commutation, defined benefit, defined benefit pension rights, DWP, Employment, Financial services, Financial Services Authority, Government, National Employment Savings Trust, occupational pension, occupational pensions, partial transfer values, pension, Pension Advisory Service, Pension new, pension playpen, pension rights, pensions, Retirement, state pensions, Transfer values
6 Comments
