Hints and tips:
...“As a result of that there is a premium to come to India and I think the premium is justified in my opinion, I don’t see that narrowing anytime soon.”...
...To be confident their pension money will last through retirement, a saver has conventionally been told to limit withdrawals to 3-4 per cent of the value of the fund each year....
...“The bigger funds are more nimble and can act quickly,” said Chris Roberts, managing director at Dalriada Trustees, a firm of professional trustees....
...He says: “I’m attracted to the certainty that an annuity offers. I’m assuming I’ll get a better deal if I wait two years before dealing with my pension and purchasing an annuity.”...
...“I don’t know if annuities are the future, but they’re a missing piece. They can help supplement what defined benefit plans used to do,” said TIAA’s Pitney....
...“You can’t do it yourself. I looked into that and I talked to the subadvisers who manage the option contracts. It’s basically impossible to do it yourself, and it’s not tax efficient.”...
...I haven’t used his full name to protect his privacy, but he wanted his story to be told to raise awareness of the problem....
...If I don’t do this the uncrystallised Sipps will again be above new lifetime limits and could incur higher tax in the future.”...
...The category of “religion and belief” even includes ethical veganism since a staffer at the League Against Cruel Sports complained the charity was investing pension funds in companies conducting animal testing...
...Seems to me, therefore, that unless I can beat the S&P 500 — in sterling to match my liabilities — I shouldn’t bother. The author is a former portfolio manager....
...When rates went up, pension funds saw the stock market go up and rates go up. A lot of pension funds had not been fully funded....
...In the brief period I spent in the City of London, becoming a chartered accountant, I had the good fortune to be sent on the audit of the Imperial Tobacco pension fund....
...He put it into the Portman Pension Scheme, one of a group of vehicles known as the “Ark funds”....
...Today, pension trustees — and I am the chair of a small scheme — have no incentive to hold more equities. Our job is to protect pension promises....
...However, if I were closer to retirement age and more risk averse, I might be more tempted to take some profit and diversify further, or even transfer some funds to a cash Isa (don’t forget, Isas don’t have...
...“You don’t need your hedge funds to beat the S&P every year, but you do want them to beat it over time, for instance over the past decade,” said a pension fund adviser who allocates billions of dollars to...
...Looks like S&P Ratings doesn’t find “attestations” especially convincing, either....
...(Patrick Temple-West) US pension giant says engagement, not divestment, achieves climate impact The investment chief of Calstrs, one of the world’s largest pension funds, has said the tactic of dumping...
...To consolidate or not to consolidate, that is the question. I suggested in a recent column that anyone who wants to cut the stress of investment admin tidies up their pensions and Isas....
...Last time I wrote about the fictional finances of a plastic doll, Barbie was 60 and consolidating 200 pension pots from her varied portfolio career since she first appeared in 1959....
...“I don’t want my job and savings at risk at the same time,” he says. “It’s the opposite of diversifying.”...
...Henry Tapper argues that the PPF is actually a form of collective defined contribution (CDC) scheme where the contributions are defined by the schemes that (must) pay its levy and pensions are paid on a...
...Fidelity’s Special Situations fund has targeted UK life insurers, seeing growth potential in the bulk annuities market as companies buy out defined benefit pension schemes....
...“I don’t actually think the mutual fund is dead. I think the mutual fund is now a retirement vehicle,” says Dave Nadig, who helped design some of the first ETFs in the 1990s....
...administered by trustees and backstopped by a sponsor company....
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