Investment Life & Pensions Moneyfacts: Tapping into the psyche of millennials

September 27, 2018 Tom Murray

Millennials Pensions protection smartphones new technologies

Tapping into the psyche of millennials  This article was originally commissioned for the September 2018 edition of the Investment Life & Pensions Moneyfacts Magazine.  Tom Murray says it's time the life and pensions sector started giving millennials what they want in order to increase their low uptake of financial products.   Millennials are truly a divergent generation.  Their approach to life is poles apart from their parents’ generation. As such, any company that approaches marketing to millennials in the same way as they have marketed to previous generations is going to make itself irrelevant very quickly.  
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Investment Life & Pensions Moneyfacts: The real Brexit dividend for pensions

April 06, 2018 Tom Murray

Investment Life & Pensions Moneyfacts Brexit Pensions pension regulations

The real Brexit dividend for pensions   This article was originally commissioned for the March 2018 edition of the Investment Life & Pensions Moneyfacts Magazine.  Tom Murray argues that a slowdown of new regulation, and the stability that this brings to long-term planning, could be the real Brexit dividend for pensions. There is a lot of noise in the media at the moment about the so-called “Brexit dividend”.  Leave supporters claim that there will be a huge financial windfall from leaving the EU, in line with the infamous claim of a possible extra £350 million per week for the NHS.  Although this was widely discredited in the months since the referendum, it has been raised again by the Foreign Secretary, who now reckons it will be even higher.  
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Time for Pensions to blow its own trumpet

September 05, 2017 Tom Murray

Life & Pensions Pensions financial services which magazine

Time for Pensions to blow its own trumpet A recent survey by Which? magazine found that the general public has greater faith in Banks than it does in pensions. Banking services are trusted far more than any long-term savings product such as pensions, by a margin of 40% to 23%. 
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Pensions Dashboard – information at the expense of knowledge?

August 17, 2017 Tom Murray

pensions dashboard Pensions Association of British Insurers

Pensions Dashboard – information at the expense of knowledge?     By Tom Murray, Head of Product Strategy, Exaxe. This article was originally commissioned for the August 2017 edition of the Actuarial Post.
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Investec into life insurance, Pension Board and Robo Future in the UK

robo-advice life insurance Pensions

 
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Life & Pension News Recap – Aviva providing strong return for shareholders, double tax relief, going digital & why blockchain is so hot

February 13, 2017 Sharon Cronin

blockchain life insurance Pensions

Another busy week for the life insurance and pension industry, with companies changing hands, people claiming double tax relief, digital of course and why we are so hot for blockchain.  
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2017 - the year automation takes a quantum leap

January 03, 2017 Norman Carroll

insurance blockchain Pensions

2017 - THE YEAR AUTOMATION TAKES A QUANTUM LEAP When I wrote my New Year’s Blog in 2016, I said that the pace of technological, regulatory and political change would increase throughout 2016, promising a year of exciting challenges and opportunities for all of us in the life and pensions sector.  Little did I know what a massive understatement I was making!
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Somebody in the Bank of England understands pensions

September 13, 2016 Tom Murray

Bank of England Pensions

Somebody in the Bank of England understands pensions   There was much consternation in the pension world recently when the Bank’s chief economist, Andy Haldane, stated in an interview that he “could not make the remotest sense” of pensions.  However, before we all start to lose sleep over the fate of the BoE employees and their future retirement plans, it has become clear that there is someone in Threadneedle Street who appears to know exactly how pensions work.
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Downward spiral continues for pensions

September 05, 2016 Tom Murray

defined benefit defined contribution DC DB Pensions

Downward spiral continues for pensions This week’s news that Carclo, a major technical plastics manufacturer in Yorkshire, has warned that its final dividend to shareholders will be reduced or eliminated in order to shore up the company’s defined-benefit pension fund, starts to bring the reality of the crisis in pensions home to a wider audience.  The significant decrease in bond-values, the primary investment component of most defined benefit pension funds, since the EU referendum result means that the liabilities have grown significantly, and therefore the shareholders share of the profit must be sacrificed to plug the gap.
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Actuarial Post: Oz goes back to basics with Pensions - Life & Pension

August 10, 2016 Tom Murray

superannuation annuities uk annuities compulsory annuity pension

Oz goes back to basics with Pensions This article was originally commissioned for the July 2016 edition of the Actuarial Post.
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