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Ralph Turner's Pensions Blog: July 2014
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Tuesday, 29 July 2014. The idea of a Pensions Passport is not new, but its time has come. To have one location that holds all your pension information from the multiple employers you have worked for, all in the same format and all readily accessible is something that can be done with today's technology- and should be done. It should hold all the State pension data together with any and every pension from other sources -all held in the same way, in recognisably the same format. Wednesday, 16 July 2014.
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Ralph Turner's Pensions Blog: Common Sense and Efficiency
http://ralphpensions.blogspot.com/2015/02/common-sense-and-efficiency.html
Wednesday, 25 February 2015. Common Sense and Efficiency. The latest research from Alliance Bernstein. Carries no surprises. It says that the consumer expects a common sense approaches to investment- a feeling of control but without certainty of outcome. A combination of good governance and a sensible default fund is expected. But consumer common sense also says it’s okay to expect a spread of outcomes at retirement. Will we get the detail in time? Or has election fever already affected output? The curse...
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Ralph Turner's Pensions Blog: April 2015
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Tuesday, 21 April 2015. Well done to Louise Farrand of Pensions Insight for her blog. On pension phrases she would ban. I agree ‘On-Boarding’ is not a verb and never should be! It got me thinking…. How do non-pension people understand the jargon we throw at them? Maybe they don’t. Here’s my own selection of pension phrases that may have very different meanings for the population at large. There’s a few you may have to think about first. Any more suggestions? Abatement – A posh flat. QROPS – Wheat. The co...
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Ralph Turner's Pensions Blog: A Vote For The Pensions Manager
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Friday, 6 February 2015. A Vote For The Pensions Manager. Has started this year’s search for Pensions Personality of the Year. Was there ever a greater oxymoron? Pensions and personality. Not usually held in the same sentence. And yet…. When I started in pensions 38 years ago (first job Clerical, Medical and General Documentation Clerk- only staying for a short while to bring in some money. Not interested in pensions….), pensions really was a bit of a backwater. How times have changed. A Vote For The Pen...
ralphpensions.blogspot.com
Ralph Turner's Pensions Blog: February 2015
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Wednesday, 25 February 2015. Common Sense and Efficiency. The latest research from Alliance Bernstein. Carries no surprises. It says that the consumer expects a common sense approaches to investment- a feeling of control but without certainty of outcome. A combination of good governance and a sensible default fund is expected. But consumer common sense also says it’s okay to expect a spread of outcomes at retirement. Will we get the detail in time? Or has election fever already affected output? When I st...
ralphpensions.blogspot.com
Ralph Turner's Pensions Blog: May 2014
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Wednesday, 28 May 2014. In Modest Praise of the Active Manager. There’s no doubt active managers are under the cosh right now. The Hymans Robertson findings. Show that active management, after paying fees, has achieved little or nothing for the Local Government funds. Michael Johnson of the Centre for Policy Studies sees no on-going active role in listed assets. Back to communications here. If the State Street conclusion was to be followed in practice, you end up with extreme caution, cash and bonds,...
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Ralph Turner's Pensions Blog: June 2015
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Monday, 8 June 2015. The pensions industry has had over a year to prepare for the changes- and it is encouraging some firms have risen to the challenge. But others seem to be failing to move with the times.". Our new Pensions Minister Ros Altmann. Well done to Friends Life for not cashing in cheaply, but in reviewing what is best, and the timescales needed to do so. It may be resources. It may be the merger with Aviva. But better not to go there than to offer the product and fail. View my complete profile.
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Ralph Turner's Pensions Blog: June 2014
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Monday, 16 June 2014. House Moves and Pension Moves. Just recovering from moving house, so therefore catching up a bit with all that has been happening in the world of pensions. Incidentally, well done to all the various third parties, institutions and providers –and especially the Post Office- for responding so well to our house move. All except BT that is. Did you know you can’t order broadband if there is no recognised house phone? I remember managing a Dutch CDC for a large international company....
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Ralph Turner's Pensions Blog: December 2014
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Monday, 22 December 2014. Ten Pension Predictions for 2015. A lack of clear and detailed regulation relating to the new pension freedoms. As April draws near, many will be shouting loudly for clarity on detail, but it won’t arrive. Political parties will be in election mode and the April ‘new start’ will be hindered by poorly thought out regulation. Inevitable with the new pension freedoms. And frequent too, until the new systems get bedded in and the new government knows what to do. As the new freedoms ...
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Ralph Turner's Pensions Blog: November 2014
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Wednesday, 26 November 2014. Pragmatic Steps Into The Unknown. I welcome the common sense approach adopted. By the Treasury in not, after all, trying to fine individuals who take a pension pot and fail to advise earlier pension providers they also have benefits with. Common sense has prevailed. The major problem remains however. Will advice be adequate? How will the government react to those who take, spend and then come back, begging cap in hand? Friday, 14 November 2014. A big WELL DONE to Stephanie Ha...
