CDC Pensions - a complex solution that delivers simplicity for employees

February 15, 2019 Tom Murray

defined contribution NEST state pension CDC schemes defined benefit

CDC Pensions - a complex solution that delivers simplicity for employees   complexity is the bugbear of getting people to save for their retirement.  The need to save is easily explained, but the simplistic solutions of the past, at least to the retiree, of defined benefit pensions and state pensions are either no longer viable (DB schemes) or are under huge pressure from changing demographics (state pensions).   The new approaches being undertaken to resolve the level of under saving in the retirement market are a lot more demanding of financial expertise.
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2015 UK budget expands pension freedom strategy

April 23, 2015 Tom Murray

Pensions UK pension freedom Lifetime allowance Annuity

  Eat, drink and be merry for tomorrow we die... Oops, maybe not!
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Back to basics - Lloyd George’s legacy - Life and Pension

November 20, 2013 Tom Murray

Henry Asquith legacy Pensions UK labour party

This article was originally commissioned and published in November 2013 for Investment Life & Pensions Moneyfacts publication.
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Trade Union Congress’ warped view of pensions

September 05, 2013 Tom Murray

welfare state Pensions general secretary UK life expectancy

The recent call by the TUC’s General Secretary, Frances O’Grady, for the planned rises in state pension age to be scrapped until life expectancy is levelled all over the country is a worrying case of sloppy thinking from someone who is supposed to be addressing issues on behalf of a large section of the UK workforce.
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