National Partnership Manager at NOW: Pensions, Neill Ferguson's presents From default to design: why good governance matters at Reward Live - A practical guide to Auto Enrolment on the 11th of July 2013.
PPI the uk-pensions-framework-showcase-slidesHenry Tapper
PPI - UK Pensions Framework
It's the Pension Policy Institute's's 20th birthday this year and it has marked that achievement with the creation of a new pension framework. This is how the PPI publicises it.
Purpose
The PPI’s UK Pensions Framework aims to support the development of the future of
pensions policy by allowing stakeholders a coordinated and holistic view of changes across
the system for the first time. The Framework also goes beyond a one-dimensional view of
changes by showing how policy reforms are affecting key parties, what secondary effects
may occur and where trade-offs might exist.
Measures - adequacy, sustainability and fairness
The framework analysis is structured around three interdependent objectives, each of
which is integral to the overall goal of the pension system - helping people to achieve
financial security in later life. They are adequacy, sustainability and fairness.
Design Principles
This publication sets out the design principles of the framework and the process by which
it was constructed. The process included consultation with over 70 key pensions policy
stakeholders. Next year, the PPI will publish the first edition of the UK Pensions
Framework, setting out full analysis of how the UK pension system is working to support
retirement outcomes that are adequate, sustainable and fair.
Use
From thereon, the framework will be a dynamic instrument, tracking changes each year
and simulating the effect of potential shifts or reforms on the system. The analysis will
provide policy-makers a comprehensive understanding of how each potential change might affect other elements of the system, and ultimately the experiences that people in the UK have in later life.”
There is a detailed report as to how their Pension Franework came into being which you can download from here.
I'm proud to have been one of 70 people who the PPI called on for input in this over 2021, I look forward to seeing it in use next year and will be relying on it for future blogs.
Happy 20th anniversary PPI!
Henry Tapper, Ruston Smith, David Slater and Vincent Franklin discuss the ways we can support staff as they move from a workplace pension into a post retirement world
PPI the uk-pensions-framework-showcase-slidesHenry Tapper
PPI - UK Pensions Framework
It's the Pension Policy Institute's's 20th birthday this year and it has marked that achievement with the creation of a new pension framework. This is how the PPI publicises it.
Purpose
The PPI’s UK Pensions Framework aims to support the development of the future of
pensions policy by allowing stakeholders a coordinated and holistic view of changes across
the system for the first time. The Framework also goes beyond a one-dimensional view of
changes by showing how policy reforms are affecting key parties, what secondary effects
may occur and where trade-offs might exist.
Measures - adequacy, sustainability and fairness
The framework analysis is structured around three interdependent objectives, each of
which is integral to the overall goal of the pension system - helping people to achieve
financial security in later life. They are adequacy, sustainability and fairness.
Design Principles
This publication sets out the design principles of the framework and the process by which
it was constructed. The process included consultation with over 70 key pensions policy
stakeholders. Next year, the PPI will publish the first edition of the UK Pensions
Framework, setting out full analysis of how the UK pension system is working to support
retirement outcomes that are adequate, sustainable and fair.
Use
From thereon, the framework will be a dynamic instrument, tracking changes each year
and simulating the effect of potential shifts or reforms on the system. The analysis will
provide policy-makers a comprehensive understanding of how each potential change might affect other elements of the system, and ultimately the experiences that people in the UK have in later life.”
There is a detailed report as to how their Pension Franework came into being which you can download from here.
I'm proud to have been one of 70 people who the PPI called on for input in this over 2021, I look forward to seeing it in use next year and will be relying on it for future blogs.
Happy 20th anniversary PPI!
Henry Tapper, Ruston Smith, David Slater and Vincent Franklin discuss the ways we can support staff as they move from a workplace pension into a post retirement world
A great presentation from Cesira Urzì Brancati, that asks some searching questions and comes to an interesting conclusion - about our financial capabilities!
At the end of February 2012, ILC-UK, with the support of Partnership, published a report which explored the impact of the Retail Distribution Review (RDR) on people with small pension pots.
Whilst the report supported the principles of the RDR, it expressed worries about the creation of an ‘advice gap’ where the poorest and least well-off pensioners might fail to receive critical financial advice.
Since the publication of the report, Government, the FSA and HM Treasury have taken forward a number of positive policy initiatives, some of which addressed some of the issues in the ILC-UK report. The ABI has developed a new code of conduct for members which will support the consumer to take the open market option. The DWP has been developing “operation big pension pot”. And the FSA has published guidance on simplified advice.
However, the problems highlighted in the ILC-UK report are far from solved and there remain a number of immediate challenges. The combination of the end of compulsory annuitisation, the introduction of the RDR, the growth in the number of small pension pots and the introduction of auto enrolment will require further policy action in the short term, and certainly before 1 January 2013.
This summit was convened with a view of creating a policy consensus to tackle the challenges ahead. Following the Summit, ILC-UK will publish a report which sets out the recommendations which emerge from the event.
The Retirement Income Summit focused on three specific themes. Senior representatives from Government, industry and consumer organisations debated
Post RDR financial advice may be beyond the means of the average person. How can we fill the advice gap?
People with average sized pension pots are entitled to reasonable outcomes. How can we improve the pensions annuity process for the consumer and industry?
Good regulation protects the consumer but it must not inadvertently damage the potential of products and services to increase pensioner income? How can we ensure that the length and complexity of communications required by legislation does not damage communications?
Professor Les Mayhew's presentation, given on Thursday 12th November at the launch of Cass Business School's research report 'Pension pots and how to survive them'.
Australia’s system of superannuation has wide coverage but often provides an inadequate level of retirement income. I have written an aricle for the UK Actuary Magazine calling for government, regulators and the pension industry to work together to improve the situation
- See more at: http://www.theactuary.com/features/2014/07/can-the-tide-turn-for-oz-pensions/#sthash.2tRj31vl.dpuf
Auto enrolment: to AE or not to AE? by Niall Ferguson, National Partnership Manager. Presented at the Community Accountancy Special Interest Group Annual Conference 2014.
A great presentation from Cesira Urzì Brancati, that asks some searching questions and comes to an interesting conclusion - about our financial capabilities!
At the end of February 2012, ILC-UK, with the support of Partnership, published a report which explored the impact of the Retail Distribution Review (RDR) on people with small pension pots.
Whilst the report supported the principles of the RDR, it expressed worries about the creation of an ‘advice gap’ where the poorest and least well-off pensioners might fail to receive critical financial advice.
Since the publication of the report, Government, the FSA and HM Treasury have taken forward a number of positive policy initiatives, some of which addressed some of the issues in the ILC-UK report. The ABI has developed a new code of conduct for members which will support the consumer to take the open market option. The DWP has been developing “operation big pension pot”. And the FSA has published guidance on simplified advice.
However, the problems highlighted in the ILC-UK report are far from solved and there remain a number of immediate challenges. The combination of the end of compulsory annuitisation, the introduction of the RDR, the growth in the number of small pension pots and the introduction of auto enrolment will require further policy action in the short term, and certainly before 1 January 2013.
This summit was convened with a view of creating a policy consensus to tackle the challenges ahead. Following the Summit, ILC-UK will publish a report which sets out the recommendations which emerge from the event.
The Retirement Income Summit focused on three specific themes. Senior representatives from Government, industry and consumer organisations debated
Post RDR financial advice may be beyond the means of the average person. How can we fill the advice gap?
People with average sized pension pots are entitled to reasonable outcomes. How can we improve the pensions annuity process for the consumer and industry?
Good regulation protects the consumer but it must not inadvertently damage the potential of products and services to increase pensioner income? How can we ensure that the length and complexity of communications required by legislation does not damage communications?
Professor Les Mayhew's presentation, given on Thursday 12th November at the launch of Cass Business School's research report 'Pension pots and how to survive them'.
Australia’s system of superannuation has wide coverage but often provides an inadequate level of retirement income. I have written an aricle for the UK Actuary Magazine calling for government, regulators and the pension industry to work together to improve the situation
- See more at: http://www.theactuary.com/features/2014/07/can-the-tide-turn-for-oz-pensions/#sthash.2tRj31vl.dpuf
Auto enrolment: to AE or not to AE? by Niall Ferguson, National Partnership Manager. Presented at the Community Accountancy Special Interest Group Annual Conference 2014.
Niall Ferguson presents 'Communicating on the front foot' at the CIPD Annual Conference and Exhibition 2013. This presentation outlines Auto Enrolment and the importance of communicating this with your employees.
Chief Executive of NOW: Pensions, Morten Nilsson's presents Improving DC a risk sharing case study at the LCP Pensions Conference on the 19th of September 2013.
Boosting savers wealth. 17,000 hours R&D concludes at RGPC and Wealth Connection on tackling society's next big financial crisis - The Savings Gap.
For Employers, Trustees & Advisors
Top 10 turnaround tips charles darley 9.3.18charlesdarley
This presentation gives 10 invaluable tips for anyone getting into the Turnaround Industry or a regular manager who takes on a loss making company as part of their responsibilities
Blake Lapthorn, Barings, Shilling and Barnett Waddingham's Southern Pensions ...Blake Morgan
'Blake Lapthorn solicitors Pensions team, along with Barings, Shilling and Barnett Waddingham held a Pensions conference in Blake Lapthorn's Southampton office on 22 November 2012. The conference was titled: Pensions - are we (anywhere near) there yet?
Webinar: Discover How To Use Your Super To Invest In Propertyrobertbud
This webinar takes a detailed look at self-managed super funds and the key benefits they can offer you for long-term wealth creation.
We have teamed up with the SMSF experts from Anne Street Partners to take a firsthand look at how SMSF differ from other fund structures and how you can use it to invest successfully in property.
The presentation was part of the Funding Conference in London on Monday 23 February 2015.
The presentation was on the systems you need to put in place to manage PBR contracts..
Find out more about the Funding Conference from NCVO: https://www.ncvo.org.uk/training-and-events/funding-conference/workshops
Find out more about NCVO's practical support on funding: https://www.ncvo.org.uk/practical-support/funding
Retirement planning is a constantly changing subject. John Friar, AIF, of HJB Financial walks employers through the new landscape of retirement planning.
The COVID economy has likely caused you to rethink your compensation approach and forced you to confront some difficult questions: Should incentive compensation play a larger or smaller role in your pay strategy going forward? What’s more important—rewards for short or long-term performance? Better yet, should you even be offering incentives at all given the current uncertainty in the business environment?
VisionLink and EBS would like to help you answer those questions. In this webcast, you will learn why incentive plans are more important than ever and how they should be engineered in a post-COVID business world. We will show how the right approach to value-sharing can help you succeed any economy and inspire a balanced result in your employees’ performance.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
1. From default to design:
why good governance
matters
Niall Ferguson | 4 July 2013
Smarter. Simpler. Better.
www.nowpensions.com
2. Our achievements
•
NOW: Pensions is a UK
multi-employer Trust
•
Supported by ATP, Denmark’s
leading pension provider
•
•
•
Low cost operating model
c£74bn FUM
ATP investment team
+7.95% p.a. (average)
for the last 5 years*
45 years
Equiniti Paymaster
administrator to 2.9m UK workers
C 160,000 employers
4.7m members
* Back tested data for the UK based on ATP’s investment strategy and NOW: Pensions’ implementation strategy to 30 Sept 2012
2
Smarter. Simpler. Better.
2
3. GPP
Multi-Employer Trust
– Best of both worlds
• Costs met by
•
Cost options are
your choice
• No Trustee
•
Trustee Board in
place
•
No fund selection
required
members
Board
• Wide range
of funds
• Undefined
Governance
framework
3
•
Defined Governance
framework
Smarter. Simpler. Better.
Trust DC
• Costs met by
employer
• Trustee Board
set up by
employer
• Funds selected
by Trustees
• Defined
Governance
framework
3
4. Design of Default Investment Funds matter
Pensions Institute Findings
4
Smarter. Simpler. Better.
4
5. 5%
10%
Yes
No
85%
Don’t Know
The results, displayed in the chart, show there is a huge lack
of understanding about investments and finance amongst the
population shown by the high “No” responses
5
Smarter. Simpler. Better.
5
6. Does your workforce
understand pensions?
We surveyed consumers to ask if they would be able to rank the
riskiness of assets (bonds, cash, commodities and equities) from
very risky to least risky
6
Smarter. Simpler. Better.
6
8. What’s the most you would bet on the toss
of a coin, if you stood to win £1,000?
£450
8
£200
£100
Smarter. Simpler. Better.
8
9. Even professional investors
end up chasing the market
FTSE All Share Index
Net Retail Flows into UK Equity and
Property Collective Mutual Funds £bn
Source: FTSE, Investment Management Association and AllianceBernstein
9
Smarter. Simpler. Better.
9
10. It is important to focus on the right issues
•
•
What do I want to
do when I retire?
•
10
When do I want
to retire?
Do I need to make
contributions in excess
of the minimum?
Smarter. Simpler. Better.
10
13. Contract Based DC =
Insurance Company has full responsibility
…and is conflicted
Trust Based DC =
Scheme Trustee Board has full responsibility
…and is nervous
Master Trusts =
But…
Independent Trustee Boards have responsibility
• They may be nervous about press reaction
• Their wider distribution strategy may
compromise their ability not to offer choice
• Distancing themselves from a conventional
approach may be too difficult
13
Smarter. Simpler. Better.
13
14. Our Masterbe nervous about press reaction
Trust
• They may
• Knowledgeable and independent Trustee Board takesstrategy may
full responsibility
• Their wider distribution
for investment solution
compromise their ability not to offer choice
• New Proposition, so no blind spots created by considering legacy
issues/ existing proposition
•
Distancing themselves from a conventional
approach may be too difficult
• No unwelcome pressure from other sources influencing our decisions
14
Smarter. Simpler. Better.
14
16. Guided investment solution
Glidepath phase
100%
Return Target:
Cash
90%
80%
Return Target:
Annuity Prices
70%
60%
50%
40%
30%
20%
10%
Return Target:
Cash + 3%
0%
Protecting your Tax Free
Cash Entitlement
Protecting the Buying Power
of your Pension Fund
Annuity Rates
•
Fund
They may be nervous about press reaction Values
•
Their wider distribution strategy may
Growth Phase
Performance & Protection
compromise their ability not to offer choice
•
Managed Diversified Growth Fund
16
Distancing themselves from a conventional
Retirement Protection Fund
Cash Protection difficult
approach may be tooFund
Smarter. Simpler. Better.
16
18. Simple charging structure for all
Providing a better pension for employees
•
They may be nervous about press reaction
•
Their wider distribution strategy may
compromise their ability not to offer choice
•
Distancing themselves from a conventional
approach may be too difficult
Two explicit elements to our charges
18
Smarter. Simpler. Better.
18
Editor's Notes
ATP – PADA – gap in market for cost efficient, simple pensions with investment funds that perform …
ATP – PADA – gap in market for cost efficient, simple pensions with investment funds that perform …
Worrying about investment decisions detracts from key issuesMembers find it difficult to assess their own attitude to riskThose who self-select focus on recent market commentaryMembers rarely review their investment decisionsThose that do change, often fall into the ‘buy high / sell low’ trap
Members find it difficult to assess their own attitude to riskThe answer to this question will be very different at different life stages.
Anecdotal evidence suggests that new members to pension arrangements have an average attention span of 15 minutes when considering the scheme. After that time, interest starts to wane, and engagement becomes more difficult to achieve. During that 15 minutes its important to focus on the right issues. Considering attitude to risk and investment options eats into that key 15 min period
Anecdotal evidence suggests that new members to pension arrangements have an average attention span of 15 minutes when considering the scheme. After that time, interest starts to wane, and engagement becomes more difficult to achieve. During that 15 minutes its important to focus on the right issues. Considering attitude to risk and investment options eats into that key 15 min period
Worrying about investment decisions detracts from key issuesMembers find it difficult to assess their own attitude to riskThose who self-select focus on recent market commentaryMembers rarely review their investment decisionsThose that do change, often fall into the ‘buy high / sell low’ trap
Worrying about investment decisions detracts from key issuesMembers find it difficult to assess their own attitude to riskThose who self-select focus on recent market commentaryMembers rarely review their investment decisionsThose that do change, often fall into the ‘buy high / sell low’ trap
Worrying about investment decisions detracts from key issuesMembers find it difficult to assess their own attitude to riskThose who self-select focus on recent market commentaryMembers rarely review their investment decisionsThose that do change, often fall into the ‘buy high / sell low’ trap
Worrying about investment decisions detracts from key issuesMembers find it difficult to assess their own attitude to riskThose who self-select focus on recent market commentaryMembers rarely review their investment decisionsThose that do change, often fall into the ‘buy high / sell low’ trap
Worrying about investment decisions detracts from key issuesMembers find it difficult to assess their own attitude to riskThose who self-select focus on recent market commentaryMembers rarely review their investment decisionsThose that do change, often fall into the ‘buy high / sell low’ trap
Worrying about investment decisions detracts from key issuesMembers find it difficult to assess their own attitude to riskThose who self-select focus on recent market commentaryMembers rarely review their investment decisionsThose that do change, often fall into the ‘buy high / sell low’ trap