Insights

Pension news and opinions from our professional trustees

  • Recent Articles

    • It’s no Sacrifice…

      So sang Elton John on a track on 1989’s “Sleeping in the Past” album.  Before I get all Patrick Bateman, I will get to the point.  Much speculation took place before this year’s budget on whether Salary Sacrifice would survive much longer as a valid mechanism for facilitating pension scheme... Read More

      Mike Crowe
      Mike Crowe
      18 August, 2016
    • Acute or Obtuse – an angled guide to risk managed triangles

      The Integrated Risk Management (IRM) diagram is shown in absolute perfect symmetry.  The equilateral triangle, surrounded by a perfect circle.   With any equilateral triangle, the movement of angles result in it becoming acute, or obtuse. Now, lets think about how we work an IRM strategy when we have one component part... Read More

      Chris Roberts
      Chris Roberts
      10 August, 2016
    • That’s Interest-ing

      Low interest rates have been around for a long time.  In the late ‘90s you had base rates at the heady heights of 7.5% (Does anyone remember paying eye watering 9.5% + mortgages?).  Then came the steady decline which became a steep plummet from 5% in September 2008 to 0.5%... Read More

      Mike Crowe
      Mike Crowe
      28 July, 2016
    • Did anyone notice? Did anyone care? Well you should

      This blog is partly influenced by a very good talk I attended at this years PBUK conference from Emma Douglas of LGIM called “Exploring the DC Darkside”.  Based on that theme, does anyone remember, a long time ago in a galaxy far far away, an evil Chancellor, who has now... Read More

      Mike Crowe
      Mike Crowe
      15 July, 2016
    • The new IORP Directive

      The final text of the IORP directive clarifies a number of areas that have been quite uncertain throughout the drafting process, in particular those relating to cross border schemes. Many had hoped that there would be a relaxation of the full funding requirement for cross border schemes. The final text still... Read More

      Matthew Leathem
      Matthew Leathem
      6 July, 2016
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