As I have mentioned in past posts, median tenure of American workers has been less than 5 years for the…
Couldn't agree with you more, Henry. The unthinking suggestion that the need to improve the adequacy of retirement income results…
At the EPFIF Trustee Circle last week, a speaker from a leading investment manager talked about the "gamblification" of the…
I've got six old workplace pots scattered around and honestly the admin of merging them has put me off for…
Tag Archives: VFM
Taking VFM seriously – “waiting for others to join”
The photo has me in the inset taking the photo in meeting room 9 on the 12th floor of BlackRock’s Copthall Avenue City HQ. Ten minutes later the room was full and people were on the call from Enfield … Continue reading
“Muddled , vague and confusing” – Brian Henderson’s take on the VFM framework
This episode was brought forward so that Nico could watch motor racing in Italy. It’s a bummer for Nico that he’d chosen Emilia Romagna as his grand prix, thoughts and sympathy are with him as the grand prix has been … Continue reading
Giving employers a helping hand on pensions.
The UK puts an unusual burden on employers to offer workplace pensions to their staff. Employers, big and small have risen to the challenge they faced from auto-enrolment and now manage the payroll interface for their staff’s contributions as … Continue reading
The state of pension transfers
Every pension provider dreams of a system where pension pots flow to them as in the diagram above. This blog suggests that the flow of money is dependent on service not fees and that the winners are not those … Continue reading
Jenny Segal – speaking with images.
Either I’m going soft or I’m getting lucky. I’ve listened to two very good podcasts in the past 24 hours and am spending Saturday morning writing them up. The first was the conversation between Moshe Milevsky and Steffan Lundbergh which … Continue reading
What a wash out! Masters tree terror followed by flood (of complaints)
The Masters is suspended for the rest of the day due to inclement weather pic.twitter.com/1B2kjGi8in — Bleacher Report (@BleacherReport) April 8, 2023 The provision of information in a digital age is not what the Masters is about. On Saturday, the … Continue reading
Note to pension schemes; “Non-Compliance = Non-Existence”.
By emailing vfmpensions@gmail.com, you can tell Darren and Nico how long their podcasts should be, you can see that their latest opus (13) weighs in a full 12 minutes shorter that last week’s epic with Mike Berners-Lee (12). I think … Continue reading
Don’t go down without a fight – take advice before sacking your manager!
Julius Pursaill and I get on very well, we see eye to eye on most things and though I don’t have his investment insight, I think he recognizes I know a thing or two about how people think about pensions! … Continue reading
Consultants and VFM – Nico and Darren’s podcast #9
I spent my lunchtime yesterday wondering up to the Regents Canal in Islington listening to Nico, Darren and Sophia Singleton talking about VFM from DC pensions. Well that’s not exactly true, more of the conversation was about DB plans (and … Continue reading
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Tagged Darren, Nico, podcast, Sophia Singleton, VFM, VFM framework, XPS
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DWP bets the house on “adequate” DC pensions. No wonder it’s targeting VFM!
The DWP published a report on Friday that has attracted attention from mainstream and social media. It is the DWP’s first analysis of retirement income in the UK since the analytical report of the 2017 auto-enrolment review and it was … Continue reading
When a youngster in our extended family emigrated he consolidated his DC pensions into just two - easy enough to…