Category Archives: Education

I will faithfully try the defendant

This is a very personal blog about my recent experience doing jury service. I hope you find it interesting. We all know how our justice system works. Asked simple questions about who does what, we would get them right. And … Continue reading

Posted in Behaviour, Education, Personal | 1 Comment

The Impact of the Financial Crisis on the Risk Attitudes of Investment Advisers

Welcome to a guest blog, based on recent, original research conducted among over 300 investment advisers by Newcastle University student Jessica Fox for her dissertation. (If you would like to know more about Jessica’s research, please do use the link … Continue reading

Posted in Behaviour, Education, Financial advisers | Tagged , , , | 1 Comment

Failing to Illustrate a Simple Truth

Projected growth rates in illustrations are being cut to 2%, 5% and 8% per annum, delivering a supposed cold dose of reality. I can’t really agree. The rationale for reducing the assumed investment returns is that we have been in … Continue reading

Posted in Education, Illustrations, Pension policy | Tagged , , , , | Leave a comment

Expect important stuff to end up under the carpet

It’s just over 5 weeks since the Sipphound family moved house and I’m feeling the urge to look back, survey the muddle, poke some fun at myself and draw a serious lesson out. Plenty of people have told me how … Continue reading

Posted in auto-enrolment, Behaviour, Education, Personal | Tagged , , | 1 Comment

Do consumers need a kick up the arse?

There’s an awful lot going on in financial services and, a week or so ago, I was contemplating it all. “Aided” by the then warm, humid weather and mandated business attire in an office with no air conditioning or fans, … Continue reading

Posted in Behaviour, Education, Pension rules | Tagged , , , , , | 1 Comment

Illustrations: 4 ways to mislead your clients

Forget CP11/03 or the Board for Actuarial Standards TM1, let’s take a step back, so we can see the wood for the trees, and ask a disarmingly simple question: what are illustrations for? Most would probably answer (1) to show … Continue reading

Posted in Education, Illustrations | Tagged , , , , | 3 Comments

Doing our job is not a priority, says tPR

Annuities are the ideal way for a great many pension scheme members to take their benefits, drawdown-loving sipphound makes no bones about it. Yet they are under-appreciated. So when I see the Pension Regulator saying in Money Marketing that the … Continue reading

Posted in Annuities, Education | Tagged , , , , , | 1 Comment

A picture tells a thousand words

We’ve heard the saying a thousand times. Yet, when I look at pensions, which is most days, I see thousands of words and very few pictures. Just recently I had to do a little routine maintenance on our washing machine … Continue reading

Posted in Education, Pension rules, social media | Tagged , , , , | 2 Comments