Volatility is the word

If you are a serious investor, you may have heard of the following 4 terms that measure volatility/risk:

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/h3j320/

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Why the DC ?game is up? for the active fund managers

Like landed salmon , they flap around on the bank, hoping they may get thrown back in the water. Continue reading → Source: http://henrytapper.com/2012/11/24/why-the-dc-game-is-up-for-the-active-fund-managers/ retirement

Source: http://www.pension-release-uk.info/why-the-dc-game-is-up-for-the-active-fund-managers-2/

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Pensions Champions courses: Summer term 2009

This course will help union reps to:

• consider the basic pension environment, examining state pensions, occupational pensions, personal pensions and additional pensions
• become familiar with a range of resources, looking at published materials as well as those available on websites
• make extensive use of the TUC's online materials, all activities will have an online element
  

read more

Source: http://www.pensionschampions.co.uk/?q=node/68

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Energy Bill will impose immense costs on households and businesses

Today’s agreement on energy policy, ahead of the forthcoming introduction of the Energy Bill, shows the government remains committed to meeting ambitious targets on greenhouse gas emissions and renewable energy. The economic cost will be immense. The Department of Energy and … Continue reading →

Source: http://www.pensionlumpsum.info/energy-bill-will-impose-immense-costs-on-households-and-businesses-3/

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What happened to AWM?s Assets?

Source: http://blogs.birminghampost.net/business/2012/11/what-happened-to-awms-assets.html benaughty benaughty benaughty be naught internet date online dating website Source: http://www.pension-calculator.info/what-happened-to-awms-assets/ be naugthy find people in face book benaughty facebook face facebook login face book

Source: http://www.nhspension.info/what-happened-to-awms-assets/

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Leaving it late

An Accountant referred a 74-year old to me in February. After a deal of procrastination, they are now keen to arrange their Pension income?with 3 weeks until they reach 75. Why is this crucial?

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/yoiqvj/

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Did Tory campaign manager in Corby secretly back ?independent? anti-wind candidate?

The Tory MP running this week?s by-election campaign in Corby was facing awkward questions tonight after appearing to admit he had given support to the campaign of a potential rival candidate. Chris Heaton-Harris, who has campaigned vociferously against onshore wind … Continue reading →

Source: http://www.annuitycalculatoruk.info/did-tory-campaign-manager-in-corby-secretly-back-independent-anti-wind-candidate/

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Police and Crime Commissioners

In terms of elections, this week?s chance to vote for Police and Crime Commissioners in your local police force area may not be up there with deciding the next leader of the free world, but in their own way the … Continue reading →

Source: http://www.pension-calculator.info/police-and-crime-commissioners/

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A modern Beveridge

I contributed to the BBC’s excellent Radio 4 [...] Source: http://touchstoneblog.org.uk/2012/11/a-modern-beveridge/ retirement Source: http://www.annuitycalculatoruk.info/a-modern-beveridge/ benaughty benaughty benaughty be naught internet date online dating website Source: http://www.pensions-advisory-service.info/a-modern-beveridge/ Pension Forecast

Source: http://www.pensionscalculator.info/a-modern-beveridge/

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Stimulus policies are no substitute for supply-side reforms

Low interest rates signal that the government can borrow more since its repayment conditions will be more favourable in times of historically low bond yields (at least in the USA and the UK). This is an example of a counter-cyclical … Continue reading →

Source: http://www.pensiontransferuk.info/stimulus-policies-are-no-substitute-for-supply-side-reforms/

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The government brought us here

If someone had told me when I joined the BMA over 13 years ago that one day I would be writing a blog about doctors taking industrial action (over anything) then I might have feared for their mental health. After all, doctors are hardly known for their militancy, and yet here we are. Amid all [...]

Source: http://blogs.bma.org.uk/pensions/2012/05/31/the-government-brought-us-here/

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The time is now?

An article in the Times today (20 Jun 2011) has raised the issue of the development of a two tier occupational pension being provided by companies. Those of us well versed in the machinations of the UK pension industry would … Continue reading →

Source: http://www.retirementcalculatoruk.info/the-time-is-now-19/

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ERISA Assets: QPAM and INHAM Audit Legal Requirements and Best Practices

Please join us for a timely and information webinar entitled "ERISA Assets: QPAM and INHAM Audit Legal Requirements: Navigating DOL Rules for Pension Asset Management Compliance" on August 29, 2012 from 1:00 PM EST to 2:30 PM EST. 

This CLE webinar will prepare counsel to advise asset manager clients regarding QPAM and INHAM audits as required by the Department of Labor. The panel will review the new exemption rules, who can conduct an audit, what the process entails, and how to showcase good practices with existing and prospective plan sponsors.

Description

An opportunity to manage part of the $17 trillion retirement industry assets is a key business strategy for many financial organizations. ERISA plans present a number of unique challenges due to the rules, regulations and increasing litigation brought against asset managers. Compliance is critically important.

In 2010, the U.S. DOL changed rules on activities asset managers can undertake if they manage ERISA assets. Entities like banks, insurance companies, hedge funds and SEC-registered investment advisors must have documented policies and procedures for types of trading, parties in interest and internal controls.

In addition, a regular audit of the activities of a Qualified Professional Asset Manager (QPAM) and/or in-house asset manager (INHAM) must be conducted by persons who are knowledgeable about ERISA and can render an objective assessment as to whether the exemption is justified.

Listen as our ERISA-experienced panel provides a guide to this recent mandate, why it is important, how to comply, and what an asset manager can learn from the audit process to mitigate litigation risk.

Outline

1. QPAM and INHAM Rules: Definition, Exemptions and Consequences of Not Getting Audit

2. Nature of the QPAM/INHAM Audit: Qualifications of Auditor, Components of Audit and Role of Counsel

3.Use of Audit: Regulatory Scrutiny, Correcting Deficiencies, Marketing Audit Results, Lessons Learned

Benefits

The panel will review these and other key questions:

• Who is a QPAM or INHAM?
• What determines when a QPAM or INHAM audit is required?
• What is the audit process like in terms of length of time it takes to complete, the documents needed, and the role of outside counsel and the QPAM or INHAM auditor?
• How can the QPAM or INHAM audit be used to mitigate suits about procedural prudence and fiduciary breach?

Following the speaker presentations, you'll have an opportunity to get answers to your specific questions during the interactive Q&A.

Faculty

Susan Mangiero, Managing Director
FTI Consulting, New York

She has provided testimony before the ERISA Advisory Council, the OECD and the International Organization of Pension Supervisors as well as offered expert testimony and behind-the-scenes forensic analysis, calculation of damages and rebuttal report commentary for various investment governance, investment performance, fiduciary breach, prudence, risk and valuation matters.

Terry Orr, Senior Managing Director
FTI Consulting, Dallas

He provides forensic and investigative due diligence services to companies and their counsel in a variety of industries. His twenty-five years of experience as an independent auditor of both public and private businesses includes the examination of numerous ERISA plans.

David E. Pickle, Partner
K&L Gates, Washington, D.C.

He represents clients in matters dealing with ERISA’s prohibited transactions and exemptions and ERISA’s fiduciary rules. He represents investment managers, financial institutions and plan sponsors in a variety of matters including investments and other transactions with ERISA plans and in litigation and government enforcement actions.

William A. Schmidt, Partner
K&L Gates, Washington, D.C.

He works in the areas of institutional investing and employee benefits, with particular emphasis on fiduciary responsibility matters under ERISA. He advises major financial institutions, including banks, insurance companies, registered investment advisers, and large employee benefit plans about ERISA restrictions relating to plan investments and to fee arrangements for investment management.

 

Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/XY6FnvCeEWQ/

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Leveragers are out of time ? and caused the problem in the first place

Source: http://blogs.birminghampost.net/business/2012/11/leveragers-are-out-of-time—a.html iht annuity rates stakeholder pensions uk retirement drawdown

Source: http://www.pensions-advisory-service.info/leveragers-are-out-of-time-and-caused-the-problem-in-the-first-place-2/

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Is there a better way to run our organisations?

Source: http://blogs.birminghampost.net/business/2012/11/is-there-a-better-way-to-run-o.html be naugthy find people in face book benaughty facebook face facebook login face book

Source: http://www.inheritancetaxthreshold.info/is-there-a-better-way-to-run-our-organisations-2/

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Investment in Intellectual Property Via A SSAS

SSAS, A small self administered scheme is a pension scheme established by the operators of a business, who appoint themselves as members and trustees. They dictate investment policy and ultimately benefit from the proceeds. That investment policy can range from … Continue reading →

Source: http://www.retirementageuk.info/investment-in-intellectual-property-via-a-ssas-24/

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Charles Hendry calls on PM to get a grip of energy policy

David Cameron?s former energy minister has called on David Cameron to get a grip of Britain?s energy policy and put an end to the increasingly fraught coalition row over green power. Charles Hendry, who held the position until September?s reshuffle, … Continue reading →

Source: http://www.pensionsuk.info/charles-hendry-calls-on-pm-to-get-a-grip-of-energy-policy-2/

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Pensions & the Self-employed

The Treasury are toying with the limits for Pension contributions. Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/ul1fon/ the pension service pension release annuity inheritance tax pension calculator Source: http://www.the-pension-service.info/pensions-the-self-employed-21/ the pension service pension release annuity inheritance tax pension calculator Source: http://www.retirementageuk.info/pensions-the-self-employed-18/ Pension Forecast Source: http://www.can-i-retire.info/pensions-the-self-employed-5/ … Continue reading →

Source: http://www.can-i-retire.info/pensions-the-self-employed-6/

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One of my better efforts?

I have just noticed that an article I wrote for Corporate Adviser Magazine last month has now been posted to the�web, and it just happens to fit very well with some of my comments at last week’s event.� Whilst the … Continue reading →

Source: http://www.jelfgroup.com/blog/2012/11/one-of-my-better-efforts/?utm_source=rss&utm_medium=rss&utm_campaign=one-of-my-better-efforts

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Employers planning for auto-enrolment: all change (already!)

Last week the Government gave the first indication of the numbers it is likely to use for the earnings trigger and qualifying earnings band for auto-enrolment for 2013/14. These numbers are going to be reviewed annually, so it’s no great surprise that they will shift from 6 April 2013. What is striking, though, is that [...]

Source: http://www.pensionstalk.co.uk/auto-enrolment/employers-planning-for-auto-enrolment-all-change-already/?utm_source=rss&utm_medium=rss&utm_campaign=employers-planning-for-auto-enrolment-all-change-already

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ERISA Assets: QPAM and INHAM Audit Legal Requirements and Best Practices

Please join us for a timely and information webinar entitled "ERISA Assets: QPAM and INHAM Audit Legal Requirements: Navigating DOL Rules for Pension Asset Management Compliance" on August 29, 2012 from 1:00 PM EST to 2:30 PM EST. 

This CLE webinar will prepare counsel to advise asset manager clients regarding QPAM and INHAM audits as required by the Department of Labor. The panel will review the new exemption rules, who can conduct an audit, what the process entails, and how to showcase good practices with existing and prospective plan sponsors.

Description

An opportunity to manage part of the $17 trillion retirement industry assets is a key business strategy for many financial organizations. ERISA plans present a number of unique challenges due to the rules, regulations and increasing litigation brought against asset managers. Compliance is critically important.

In 2010, the U.S. DOL changed rules on activities asset managers can undertake if they manage ERISA assets. Entities like banks, insurance companies, hedge funds and SEC-registered investment advisors must have documented policies and procedures for types of trading, parties in interest and internal controls.

In addition, a regular audit of the activities of a Qualified Professional Asset Manager (QPAM) and/or in-house asset manager (INHAM) must be conducted by persons who are knowledgeable about ERISA and can render an objective assessment as to whether the exemption is justified.

Listen as our ERISA-experienced panel provides a guide to this recent mandate, why it is important, how to comply, and what an asset manager can learn from the audit process to mitigate litigation risk.

Outline

1. QPAM and INHAM Rules: Definition, Exemptions and Consequences of Not Getting Audit

2. Nature of the QPAM/INHAM Audit: Qualifications of Auditor, Components of Audit and Role of Counsel

3.Use of Audit: Regulatory Scrutiny, Correcting Deficiencies, Marketing Audit Results, Lessons Learned

Benefits

The panel will review these and other key questions:

• Who is a QPAM or INHAM?
• What determines when a QPAM or INHAM audit is required?
• What is the audit process like in terms of length of time it takes to complete, the documents needed, and the role of outside counsel and the QPAM or INHAM auditor?
• How can the QPAM or INHAM audit be used to mitigate suits about procedural prudence and fiduciary breach?

Following the speaker presentations, you'll have an opportunity to get answers to your specific questions during the interactive Q&A.

Faculty

Susan Mangiero, Managing Director
FTI Consulting, New York

She has provided testimony before the ERISA Advisory Council, the OECD and the International Organization of Pension Supervisors as well as offered expert testimony and behind-the-scenes forensic analysis, calculation of damages and rebuttal report commentary for various investment governance, investment performance, fiduciary breach, prudence, risk and valuation matters.

Terry Orr, Senior Managing Director
FTI Consulting, Dallas

He provides forensic and investigative due diligence services to companies and their counsel in a variety of industries. His twenty-five years of experience as an independent auditor of both public and private businesses includes the examination of numerous ERISA plans.

David E. Pickle, Partner
K&L Gates, Washington, D.C.

He represents clients in matters dealing with ERISA’s prohibited transactions and exemptions and ERISA’s fiduciary rules. He represents investment managers, financial institutions and plan sponsors in a variety of matters including investments and other transactions with ERISA plans and in litigation and government enforcement actions.

William A. Schmidt, Partner
K&L Gates, Washington, D.C.

He works in the areas of institutional investing and employee benefits, with particular emphasis on fiduciary responsibility matters under ERISA. He advises major financial institutions, including banks, insurance companies, registered investment advisers, and large employee benefit plans about ERISA restrictions relating to plan investments and to fee arrangements for investment management.

 

Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/XY6FnvCeEWQ/

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Benchmarking ? do you know where you stand?

Here at Ballard Dale Syree Watson we often undertake benchmarking surveys across medical practices. They look at a range of financial data and provide a comparison between practices, allowing us to understand why some practices do better than others.

Recent results show that:

read more

Source: http://nhslocal.nhs.uk/blogs/jeremy-syree/2011/08/benchmarking-%E2%80%93-do-you-know-where-you-stand

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Iht : Pip Auto Insurance

Linda asks? if you have state medicaid ins do PIP ins benefits go to the insured or reimburse state medicaid? we were in a car accident and have the PIP coverage on our auto insurance policy, will the benefits from … Continue reading →

Source: http://www.nhspension.info/iht-pip-auto-insurance/

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The impact of fuel duty on work incentives

A significant proportion of motorists, such as many in rural areas, face very much higher costs.  Travel-to-work costs of £40 per week would reduce the benefit of working to just £30 per week, equivalent to just 75p per hour, a drop of almost 60 per cent. At this point the financial incentives for entering employment may be extremely weak, particularly since there are likely to be additional in-work costs such as food and clothing. Worse still, several groups, such as single-earner families or households in private rented accommodation receiving large housing benefit payments, face even weaker incentives to enter relatively low-paid work. In such cases, travel-to-work costs may mean work does not pay or even makes the household worse off.

Read the full blog post here

Source: http://www.iea.org.uk/blog/the-impact-of-fuel-duty-on-work-incentives

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NAPF: Large schemes more profitable than small ones

NAPF: Large Schemes More Profitable Than Small Ones November 1, 2012 Large defined contribution schemes can be more profitable for members than small schemes, as they can lead to a 28% higher pension pot savings, the National Association of Pension … Continue reading →

Source: http://www.uk-retirement.info/napf-large-schemes-more-profitable-than-small-ones/

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Carbon markets alone aren?t the answer to our climate woes

It is apparent to anyone who follows the [...]

Source: http://touchstoneblog.org.uk/2012/11/carbon-markets-alone-arent-the-answer-to-our-climate-woes/

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Inter Payroll unveil new changes

British payroll providers Inter Payroll have today announced a line-up of changes which they believe will help them maintain their position as one of the leaders in the UK for payroll services. Inter Payroll are well known for the high levels of unparalleled dedicated support they provide to their clients, however the company feels it [...]

Similar Posts

1. Inter Payroll introduces Live Chat
2. MyIP joins the Inter Payroll family
3. Christmas and New Year opening hours

Source: http://www.interpayroll.co.uk/blog/news/inter-payroll-unveil-new-changes.html

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Ofgem and the Philosopher's Stone

It is alarming to read that the government is now intending to enact into law a mechanism that would simplify the number of energy tariffs on offer. There are also various political proposals that suppliers should be required to put vulnerable customers on their best tariffs – or, in one version, should be required to put all their customers on their best tariffs.

Read the full blog post here

Source: http://www.iea.org.uk/blog/ofgem-and-the-philosophers-stone

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Moneyfacts shortlist Pension Practitioner.Com for UK Best SSAS Provider 2011

The UK?s No 1 SSAS administrator, Pension Practitioner.Com, have been short-listed for UK Best SSAS Provider 2011 Moneyfacts is regarded as an authoritative independent source trusted by intermediaries, providers and journalists alike for financial products and services. Investment Life & … Continue reading →

Source: http://www.inheritancetaxthreshold.info/moneyfacts-shortlist-pension-practitioner-com-for-uk-best-ssas-provider-2011-10/

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Access Your Cash

Accessing this form of finance in this way is taking advantage of the benefits prior to you retiring. With this you can get access to the maximum tax free cash and/or maximum income.� Alternatively, you can release a cash lump sum and then reinvest the balance until the point at which you decide to retire. [...]

Source: http://www.pensionrelease.org/early-pension-release/

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Engagement

Funny how things stack up isn’t it? It was only a couple of weeks ago (at our last Seminar in fact) that I was talking on the subject of Employee Engagement, and the Engaging for Success Grouping, and mentioning that … Continue reading →

Source: http://www.jelfgroup.com/blog/2012/11/engagement/?utm_source=rss&utm_medium=rss&utm_campaign=engagement

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Annuity search

In one of the TV breaks tonight, a new Paul Whitehouse ad popped up. You know the ones - good characters, quite watchable...nicely funding his pension plan.

Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/m8mv5k/

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British expats in Hong Kong, Singapore may benefit from learning Mandarin

Hong Kong and Singapore are emerging as increasingly attractive destinations for British job-seekers, mostly because they have established themselves as centres for economic growth and stability. However, in order to be recruited there, job applicants need to have an important … Continue reading →

Source: http://www.pensionscalculator.info/british-expats-in-hong-kong-singapore-may-benefit-from-learning-mandarin/

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FactCheck Q&A: Magic QE trick that may help Osborne hit borrowing targets

Today?s strategy could be a lifeline for a government keen to avoid further U-turns. How does it work? Source: http://blogs.channel4.com/factcheck/factcheck-qa-magic-qe-trick-that-may-help-osborne-hit-borrowing-targets/11825 avoiding stamp duty stamp duty on homes stamp duty homes stamp duty rates 2011 stamp duty exemptions Source: http://www.pensions-advisory-service.info/factcheck-qa-magic-qe-trick-that-may-help-osborne-hit-borrowing-targets-2/ stamp … Continue reading →

Source: http://www.pensions-advisory-service.info/factcheck-qa-magic-qe-trick-that-may-help-osborne-hit-borrowing-targets-3/

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Barbados property ? promised vs delivered

As construction continues at an admirable rate on our Barbados Property Investments, we believed now would be a good time to update investors with exactly how the developer did, with a picture of what was promised on one of our investments and what is being delivered as we near completion. Ixora Resort is a development [...]

Source: http://www.freshinvest.co.uk/blog/overseas-property-investment/barbados-property-promised-delivered/

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It worked for Wendy- how Morrisons staged auto-enrolment

If I had a vote for “pensions personality of the year, I’d give it to Wendy Taylor of Morrisons�and�I’d give�her understudy Claire Ramus�a “highly commended”! They’ve inspired�their Board, their staff and they’ve brought a breath of fresh air to the … Continue reading →

Source: http://henrytapper.com/2012/11/21/it-worked-for-wendy-how-morrisons-staged-auto-enrolment/

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Pension Risk End Game

Are we there yet?

While traveling to New York City the other day on Metro North, I sat behind a little boy who kept asking his parents the same question that many in the pension field are pondering.

The issue of what end game applies is noteworthy, especially now that Congress has adopted pension reform.

In "Looking for Cash, Congress Finds Some in a Corporate Pension Rule Tweak," New York Times reporter Mary Williams Walsh (June 28, 2012) describes the parts of the just passed highway bill that could force costs upward for American businesses. For one thing, sponsors will be able to stretch out their cash outlays to buoy underfunded defined benefit plans over time. As a result, tax-deductible contributions will be smaller in the next few years, taxable income will be higher and federal tax coffers will go up by an estimated $9.4 billion over the next 10 years." In addition, insurance premiums that companies pay to the Pension Benefit Guaranty Corporation ("PBGC") will be higher to the tune of roughly $10 billion in the coming decade.

The news is troublesome for numerous reasons.

For one thing, employees, retirees, creditors and shareholders are going to find it even more challenging to assess the true cost to companies that offer benefit plans. As a result, they could be in for a nasty surprise later on if reported performance numbers are overly optimistic and mask a large liability that eventually will require cash. Second, the increased PBGC premiums are slated for general revenue which means that incremental dollars may never be available to pay participants of troubled sponsors because they have already been spent elsewhere. Third, using corporate pension plans as a national piggyback to pay for other programs goes against the nature of the trust arrangement that was put in place with the 1974 creation of the Employee Retirement Income Security Act ("ERISA"). Fourth, measuring pension risk and managing it effectively requires those in charge to have a good handle on the economic objectives they are seeking to satisfy. Chief financial officers ("CFO"s) and treasurers could be doing an excellent job of mitigating relevant uncertainties but not be rewarded if capital market participants emphasize accounting numbers that do not capture what is really going on.

Dr. Susan Mangiero, CFA charterholder, certified Financial Risk Manager, Accredited Investment Fiduciary Analyst and author of Pension Risk Management for Pensions, Endowments and Foundations will continue to write about pension risk management. There is a lot more to say.

Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/CMaJTPZdGRw/

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GPs! Have you completed your estimate of pensionable pay form?

Please note the importance of the form that every GP practice and every alternative provider of medical services (APMS) practice/centre (that is an employing authority) is legally required to complete and send to their commissioning PCT/LHB prior to the start of the 2011/12 pension year (01, April 2011)

read more

Source: http://nhslocal.nhs.uk/blogs/jeremy-syree/2011/02/gps-have-you-completed-your-estimate-pensionable-pay-form

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The future of workplace pensions?

Just a quick post today, but one that follows on from my posts regarding ‘Defined Ambiton’ pension schemes earlier this year. As you can see from the attached link, we may be facing yet more change to the world of … Continue reading →

Source: http://www.statepensionforecast.info/the-future-of-workplace-pensions-2/

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