A big thank you to everyone who downloaded the podcast, it went straight to number one in
The post The Property Podcast tops the Charts! appeared first on RMP Property - The UK Property Investment Experts.
Source: http://feedproxy.google.com/~r/co/SgjQ/~3/JkhkCAKYNSM/
uk state pension pension lump sum pension transfer retirement age uk retirement calculator
posted by pension333 @ 22:01
0 Comments
The smartphone app tracks users' speeds across regular journeys, allowing them to compete against themselves and their fellow cyclists. But critics argue that it encourages reckless cycling
There are those cyclists who simply enjoy pootling along at whatever pace they fancy, relishing the wind in their hair and the air in their lungs. And then there are Strava users.
Strava, for the uninitiated, is a horribly addictive social network that allows smartphone users to map their rides and ? crucially ? compete against themselves and others. The app came under fire last week with the sentencing of a cyclist in San Francisco who killed a pedestrian while apparently trying to break the Strava record for a particular stretch of road in the city.
Chris Bucchere ran a number of red lights before striking 71-year-old Sutchi Hui in March last year. Strava data suggested he was travelling at 32mph when he hit Hui. "It implies he was trying to compete with himself," San Francisco district attorney George Gasc�n told Forbes magazine.
Strava works by tracking users' rides using GPS on their phones and then pitting them against other Stravites on pre-programmed segments. Near me, for instance, is the Brickworks, a 1.6 mile drag uphill into the Peak District with an average 5.7% gradient. I'm currently a rubbish 66th on the women's leaderboard, with a frankly embarrassing time of 13 mins 56 secs. The winner ? and proud owner of the virtual Queen of the Mountains (QOM) jersey ? is a woman called Hannah, who motored up in 7 mins 39 secs.
If I did ever manage to double my speed and steal her crown on this rural hill, the only danger is that Hannah's pride would suffer (she'd immediately get an alert warning her she'd been usurped). But critics of Strava argue that by encouraging users to race in busy inner-city settings the company is tacitly egging on subscribers to cycle recklessly.
Unsurprisingly, Strava disagrees. In June the company won a lawsuit brought by the grieving family of cyclist William "Kim" Flint, who died trying to regain his King of the Mountains (KOM) title. A judge in San Francisco dismissed the claim on the grounds that "Flint assumed the risks of bicycling and that the defendant [Strava] has shown that bicycling is an inherent risky activity," Bicycle Retailer reported. Strava had denied all liability, and in a statement said that while they offered condolences to Flint's family: "Every cyclist is responsible for their own safety and the safety of those around them."
A particularly fun feature of Strava is that you can follow real athletes and try to match them pedal for pedal. But this too has proved controversial. Earlier this year there was a campaign to ban Lance Armstrong from Strava as well as all "real" competition after it emerged he had bagged 150 KOMs.
This being cycling, there are even allegations of cheating, with an app that allows users to fiddle their GPS data with "digital EPO", named after the banned hormone Armstrong and others have admitted taking. Kirsty Gibson, a dedicated Stravite from Scotland, is suspicious of the rider who beat her to become QOM by reaching 60mph. She is not going to take it lying down: "I propose Straviction for such blatant disregard for the (moral) laws of Strava!" she says.
Source: http://www.theguardian.com/lifeandstyle/shortcuts/2013/jul/31/strava-app-cyclists-racers-smartphone
can i retire pensions calculator ill health retirement the pension service pension release
posted by pension333 @ 20:01
0 Comments
Most people reading this will know that we are an advocate of the student property market here at Fresh Invest. With good management and an attractive property you can benefit from very high and secure rental yields. With student demand increasing year upon year and a massive shortage in student accommodation currently available in the [...]
Source: http://www.freshinvest.co.uk/blog/property-investment/breath-fresh-air-student-property-market/
annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
posted by pension333 @ 18:01
0 Comments
Source: http://blogs.birminghampost.co.uk/business/2013/07/midlands-auto-producers-produc.html
annuity rates stakeholder pensions uk retirement drawdown state pension forecast
posted by pension333 @ 16:01
0 Comments
My dear Mum recently celebrated her 65th birthday.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/tvsjoi/
pension forecast pensions uk iht annuity rates stakeholder pensions
posted by pension333 @ 14:01
0 Comments
Lord Filkin was bitingly critical in his response to the Government’s response to his committee’s report on ‘Ready for Ageing?’ The report had peered twenty years ahead, and found that the political establishment was ‘woefully underprepared’ for the enormous changes … Continue reading
Source: http://feedproxy.google.com/~r/AgeUkBlog/~3/aoXj-ujbiek/
stakeholder pensions uk retirement drawdown state pension forecast uk state pension
posted by pension333 @ 12:00
0 Comments
A Pension Practitioner.Com S.S.A.S. can help you cut tax and extract cash from your property without a remortgage whilst getting tax relief.
posted by pension333 @ 10:01
0 Comments
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/
the pension service pension release annuity inheritance tax pension calculator
posted by pension333 @ 08:00
0 Comments
I’m indebted to Owain Thomas of Workplace Savings and Benefits for alerting me to the existence of the Department of Education’s�”More Affordable Childcare” document.� This was�released last week, and amongst other topics,�covers the latest state of play in the�proposed changes … Continue reading
the pension service pension release annuity inheritance tax pension calculator
posted by pension333 @ 06:01
0 Comments
Change can't happen if Pasc doesn't take evidence from those dealing with procurement procedure on a daily basis
The Commons public administration committee report on government procurement, published on 19 July, contains some sound recommendations, although few which haven't been made before.
It calls for clear public procurement strategy backed by comprehensive data. There is undoubtedly scope to reduce the time taken to award many contracts, and to further centralise procurement in some categories while still encouraging participation by SMEs and social enterprises.
However, the evidence considered by the committee, and the analysis contained in the report, is both incomplete and weighted towards the supplier perspective. It is all too easy to blame EU directives and inefficient civil servants for the UK's procurement shortcomings. It is more difficult ? but ultimately more instructive ? to consider how procurement strategy interacts with the realities faced by frontline procurers, and to involve them, as well as suppliers and the third sector, in developing policy.
Pasc took evidence from representatives of business, small and medium-sized enterprises (SMEs), the third sector, procurement and commercial advisors, commentators, academics, Cabinet Office minister Francis Maude and senior Cabinet Office staff. It did not take evidence from those who conduct procurement procedures on a daily basis, either at individual departments or the National Procurement Service. This means a key perspective is missing from the report, and one which is essential to implement any changes to the way procurement is conducted in the UK.
The report criticises "unnecessarily strict adherence to process" and laments that the EU remedies directive has encouraged this, but does not have any clear alternative. As several of those giving evidence to the inquiry pointed out, the EU directives have encouraged a more professional approach to procurement and, if they didn't exist, a plethora of organisational, regional and national procedures would prevail ? creating a bureaucratic jungle for suppliers and procurers.
Suppliers like to complain about procedures when they don't turn out well for them, and the media and parliamentary committees like to draw attention to those that fail or take too long. It is right that poor procedures and outcomes should be criticised. But critics should bear in mind that public procurement is an administrative as well as commercial function. The imperative to move quickly and get the best deal must be balanced against the imperative to demonstrably spend public money in a responsible, transparent and fair manner.
More disturbing is the report's implication that other EU countries such as France and Germany are better both at conducting efficient procedures and in awarding contracts to domestic suppliers. The evidence for the second point is extremely tenuous, drawing heavily on the much-lamented fact that Bombardier did not win the Thameslink rolling stock contract. Bombardier did not win the Thameslink contract because it did not submit the best bid. That this example has been used over and over to criticise the way procurement is conducted in the UK seems ridiculous. The idea that other EU member states award more contracts to domestic suppliers simply isn't supported by the figures.
The most recent comprehensive study of cross-border contract awards in the EU, covering contract awards published in the official journal between 2007 and 2009, shows that the UK spent less than France, Italy and Spain on contracts awarded to companies based in other member states. The UK ranks very near the average for all EU countries, with 3.0% of the analysed contract spend going directly cross-border and another 13.8% indirectly through affiliates. Meanwhile, UK companies are among the most successful in winning cross-border contracts, ranking second after Germany with 17% of all direct awards in the sample studied.
In terms of the length of time taken to conduct procurement, the UK does come in at the longer end of this scale: an average of 161 days from publication of a contract notice to award, compared to an EU average of 108. Choice of procedure is important, but reducing the time taken to award contracts must not become the sole factor influencing this decision.
The report highlights that only one of 17 departments has met the Cabinet Office's targets for transferring procurement spend to the GPS. Rather than viewing efforts to centralise procurement in isolation, it would make sense to compare other attempts to centralise common departmental functions, such as property management or training. In order for such arrangements to work, the benefits of cooperation must outweigh the costs both for individual departments and government as a whole.
Finally, it is regrettable that the report focuses solely on central government departments, which account for �45bn of the UK's annual �227bn procurement spend. Comparison with procedures and outcomes in local government, the NHS and devolved administrations would have helped to identify which challenges are particular to Whitehall, and which are shared across the UK public sector.
The upcoming changes to the EU directives afford an opportunity for all EU countries to refocus procurement strategy. The Cabinet Office's efforts mean that the UK has a running start on this, but no one would argue that the job is done yet. Rather than yet another one-sided report or policy, which is doomed to go nowhere, why not start talking to government procurers directly? It is they who will determine the ultimate success or failure of strategy.
Abby Semple is a consultant at Public Procurement Analysis
Want your say? Email us at public.leaders@guardian.co.uk.
To get our articles on policy and leadership direct to your inbox, sign up to the Guardian Public Leaders Network now.
Looking for your next role? See our Guardian jobs site for senior executive jobs in government and politics.
? For the latest on public services leadership, follow us: @publicleaders
inheritance tax pension calculator nhs pension pension forecast pensions uk
posted by pension333 @ 04:01
0 Comments
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/
pension release annuity inheritance tax pension calculator nhs pension
posted by pension333 @ 02:00
0 Comments
At the beginning of the year the TSSA trained its first wave of Pension Champions. Stimulated by the report made by the Railway Pension Commission and recommendations to move to a career average scheme*, as well as disregarding TSSA recommendations for an industry wide scheme; reps have been busy recruiting pensions champions. As part of the TSSA strategic response to the commission’s report the TSSA has managed to recruit pension champions from outside the rep pool and directly from the membership. July brings the second wave of training with nearly 40 applicants and many more awaiting dates for future training in the year. It is the aim of the TSSA to recruit pension champions in every region for every company, providing us with a network of reps solely placed to organise around what stands to be one of the biggest issues facing our members in 2008.
Source: http://www.pensionschampions.co.uk/?q=node/56
stakeholder pensions uk retirement drawdown state pension forecast uk state pension
posted by pension333 @ 00:01
0 Comments
Yesterday was jam-packed. You couldn?t take your eyes off it for a second!
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/aouozu/
annuity rates stakeholder pensions uk retirement drawdown state pension forecast
posted by pension333 @ 22:00
0 Comments
The Treasury are toying with the limits for Pension contributions.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/ul1fon/
pension transfer retirement age uk retirement calculator annuity calculator pensions advisory service
posted by pension333 @ 20:01
0 Comments
This blog was contributed by Barbara Limon,�Policy Programme Manager -�Consumer and Community.� Increasingly older people who are in receipt of funded social care are choosing to take this funding as direct payments, meaning they control the funds themselves.� Whilst there … Continue reading
Source: http://feedproxy.google.com/~r/AgeUkBlog/~3/OY6rymH50W0/
retirement calculator annuity calculator pensions advisory service can i retire pensions calculator
posted by pension333 @ 18:00
0 Comments
I am delighted to co-present on May 14, 2013 from 1:00 pm to 2:40 pm EST for Business Valuation Resources about the urgent need to properly assess pension fund economics as part of any opinion of value.This is a particularly timely topic as the U.S. Department of Labor seeks to designate appraisers as a fiduciary for an assessment they render about an ERISA plan such as an Employee Stock Ownership Plan ("ESOP"), 401(k) plan and/or defined benefit plan.
The session is entitled "Valuation and ERISA Fiduciary Liability: How to Protect Yourself." Speakers include:
Click here to register for this ERISA valuation program.
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/RyvWBMR67Pw/
iht annuity rates stakeholder pensions uk retirement drawdown
posted by pension333 @ 16:00
0 Comments
My company has just taken on its first new Independent Financial Adviser (IFA)...hurrah!
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/acxe84/
annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
posted by pension333 @ 14:00
0 Comments
Jelf Employee Benefits have this week put out a press release on our recent findings of employer attitudes to Childcare Vouchers.� If I’m honest, I think our findings are rather alarming. For those not up to speed on this one, … Continue reading
pensions advisory service can i retire pensions calculator ill health retirement the pension service
posted by pension333 @ 12:00
0 Comments
pension lump sum pension transfer retirement age uk retirement calculator annuity calculator
posted by pension333 @ 10:01
0 Comments
I'm sure that I was not the only red-blooded male who eagerly tuned-in to the new series of ITV's 'Downton Abbey' on Sunday night.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/h7i220/
pension release annuity inheritance tax pension calculator nhs pension
posted by pension333 @ 08:00
0 Comments
The economy is growing again. What?s more, after [...]
Source: http://touchstoneblog.org.uk/2013/07/the-uks-real-economic-problems-beyond-growth-vs-the-deficit
retirement calculator annuity calculator pensions advisory service can i retire pensions calculator
posted by pension333 @ 06:01
0 Comments
New TUC analysis shows that seventy-seven percent of [...]
Source: http://touchstoneblog.org.uk/2013/07/the-uks-low-pay-recovery
iht annuity rates stakeholder pensions uk retirement drawdown
posted by pension333 @ 04:01
0 Comments
You obtain a mortgage, and then you obtain life insurance. Right?
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/4ode9v/
pension release annuity inheritance tax pension calculator nhs pension
posted by pension333 @ 02:01
0 Comments
Just a shameless plug actually for a Zen themed Breakfast Seminar at which I, together with an Actuary and an Investment Manager will give some insights on how to get the best out of your pension advisors.
Source: http://www.pensionlawyerblog.com/the-art-of-wise-instruction
ill health retirement the pension service pension release annuity inheritance tax
posted by pension333 @ 00:00
0 Comments
Source: http://www.iea.org.uk/blog/more-macro-quackery
iht annuity rates stakeholder pensions uk retirement drawdown
posted by pension333 @ 22:01
0 Comments
This time last week, I was conscious of an evening appointment to come, having already visited a gentleman in the morning.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/q7f01q/
pension transfer retirement age uk retirement calculator annuity calculator pensions advisory service
posted by pension333 @ 20:01
0 Comments
Source: http://www.iea.org.uk/blog/baby-boomers-vs-generation-y-the-phoney-battle
state pension forecast uk state pension pension lump sum pension transfer retirement age uk
posted by pension333 @ 18:01
0 Comments
Source: http://www.iea.org.uk/blog/the-life-and-work-of-sir-antony-fisher
uk retirement drawdown state pension forecast uk state pension pension lump sum
posted by pension333 @ 16:01
0 Comments
What every investor should know when looking to invest in student accommodation for investment. From how investment companies and developers price the properties to things to look for before investing.
Source: http://www.freshinvest.co.uk/blog/property-investment/student-property-investment-facts/
pension release annuity inheritance tax pension calculator nhs pension
posted by pension333 @ 14:00
0 Comments
Once upon a time, what seems like a very long time ago, my job�was�largely based on employer premises, running pension scheme “surgeries” for employees. All these years later, and one particular incident remains with me. At the end of one�surgery, … Continue reading
pension transfer retirement age uk retirement calculator annuity calculator pensions advisory service
posted by pension333 @ 12:00
0 Comments
Developers of new digital apps designed to track happiness hope to prove the haters wrong, but is the argument convincing?
What is the cost of happiness? It's free, the saying goes. How much is it worth? That's an entirely different question. To the startups behind a series of new phone and tablet apps designed to make you smile, happiness is big business.
Nataly Kogan, founder and chief happiness officer of Happier Inc, which launched a phone app in February encouraging users to reflect upon and share pleasant everyday moments, believes her business ? which has already generated more than 1m happy shares ? could one day be worth $1bn.
Happier's mission however, is about more than making money. Built around the theory that writing down a nice thought is good for you and that positivity is contagious, the app is about helping consumers take stock of what's good in their life now and to treasure it, says Kogan. In the process, she is hoping to prove the technology haters wrong and remedy the negativity on social networks.
"On Facebook, we're all bragging," she says. We present the best versions of ourselves and then our friends compare the real versions of their lives to our best versions, and that is depressing."
Happier is not alone however. An array of other apps ? such as Mappiness, Happy App and Live Happy ? have come onto the market in the last couple of years, variously promising to track, share or enact moments of joy.
InFlow, built by Moscow-based developer Bayram Annakov, allows users to use their phone to track their changing emotions, using alerts to trigger self-reflection and providing intuitive activity tips in response.
Rather than distance users from the real world, InFlow encourages them to go out and meet other people. "Our tips are about going offline, not online," he says. "The tip may say, 'Hey, you had a really good time with Will a few weeks ago. Why don't you give him a call?'."
Annakov insists the concept is not just for unhappy people. But that the app is useful for those with mood disorders, for whom the daily recording of changes in mental state is something of a chore.
"Paper doesn't have brains. It won't understand that four times in a row you have had a really bad mood and it can't ask you questions," he says. "Technology cannot replace [psychology and medicine] but it really helps."
The rise of this new tech sector seeking to muster merriment should be seen in the context of the growth of positive psychology, indices such as gross national happiness, and the quantified self movement, which has sparked a major new industry in self-monitoring health and fitness apps.
John Havens, author and founder of crowdsourcing site H(app)athon, which uses mobile data to provide recommendations for volunteerism in the local community, suggests digital tools designed to measure contentment redress an imbalance in society where economic data is too often prioritised over social data.
Another attack line is that happiness apps merely provide instant satisfaction. Not so, says Havens, who explains the self-reflection that follows, allows users to take long-term decisions to weed out negative influences on their lives.
"There is real joy in discovery and introspection and reflection, which is something that we lack in modern society where we are so obsessed with productivity," he says. "If you allow yourself on a personal level, that self-reflection, as aided by these technologies, the hope is that you will discover areas of your life you have not been giving credit to."
Not everyone is yet convinced of the efficacy of happiness apps, however, not even among those that develop them. Dr Jason Rentfrow of Cambridge University's psychology department ? which launched the tracker EmotionSense earlier this year ? says the jury is still out on their effectiveness.
Evaluating impact would require a serious study, looking at objective wellbeing markers such as physical health, visits to a doctor or reports from employers, Rentfrow adds. "If we saw people using a happiness app were higher in all of these measures, then that could provide some compelling evidence."
Mark Williamson, director of the charity Action for Happiness, notes that there can be value in digital tools that promote positive action and mindfulness. But, he says, it is important to distinguish the well thought-out apps which generate authentic relationships from imitators that may merely generate bogus self-help advice.
"There is a danger of believing that an app can solve all of life's problems," adds Williamson. "Making day-to-day decisions based on technology rather than years of experience, intuition and expertise is slightly laughable."
"So these apps are best thought of as reminders and prompts and behavioural nudges that can help us make slightly better decisions or remind us of the things we already knew were important, rather than something that will radically change our life overnight at the touch of a button."
This content is brought to you by Guardian Professional. Become GSB member to get more stories like this direct to your inbox
Source: http://www.guardian.co.uk/sustainable-business/technology-happiness-found-in-app
annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
posted by pension333 @ 10:00
0 Comments
Followers of this blog will be aware that the limitations imposed by legislation on NEST have been under review for some time now, and were subject to a formal consultation at the back end of last year. For those not … Continue reading
retirement age uk retirement calculator annuity calculator pensions advisory service can i retire
posted by pension333 @ 08:01
0 Comments
Source: http://blogs.birminghampost.co.uk/business/2013/07/money-money-money.html
pensions uk iht annuity rates stakeholder pensions uk retirement
posted by pension333 @ 06:01
0 Comments
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 investing money in shares to loans to the business.
Source: http://www.pensionpractitioner.com/blog/intellectual-property-investment-via-ssas/92/
drawdown state pension forecast uk state pension pension lump sum pension transfer
posted by pension333 @ 04:00
0 Comments
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/
retirement calculator annuity calculator pensions advisory service can i retire pensions calculator
posted by pension333 @ 02:01
0 Comments
A guest post by Rob Dix on Property Hotspots We talked about investment hotspots on a recent
The post Property Hotspots appeared first on RMP Property - The UK Property Investment Experts.
Source: http://feedproxy.google.com/~r/co/SgjQ/~3/bHuFC0E4--w/
annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
posted by pension333 @ 00:01
0 Comments
The world is truly getting smaller. A recent Wall Street Journal article describes the continued interest on the part of Japanese pension funds to directly invest in U.S. infrastructure projects such as a Michigan power plant. See "Japan's Pension Fund Association Targets Infrastructure Abroad" by Kosaku Narioka (July 2, 2013). Last year, the Ontario Municipal Employees Retirement System ("OMERS") joined forces with Japan's Pension Fund Association and a group led by Mitsubishi to invest $7.5 billion in roads, airports and other types of infrastructure projects. The goals are to raise $20 billion in total, avoid the expense of using intermediaries and gain exposure to long-term assets that are arguably a natural match to a defined benefit plan's long-term liabilities. See "OMERS, Japanese partners launch infrastructure fund" by Greg Roumeliotis (The Globe and Mail, April 26, 2012).
In their 2011 publication entitled "Pension Funds Investment In Infrastructure: A Survey," authors Raffaele Della Croce, Pierre-Alain Schieb and Barrie Stevens estimate the global infrastructure market at U.S. $50 trillion by 2030. This includes climate control projects. They add that, given the strain on numerous municipal and sovereign budgets and regulations that have impaired some banks' abilities to lend, infrastructure financing must depend on private sector finance.
With these opinions in mind, infrastructure investing by pension funds seems like a good idea. There is both a demand for long-term capital and a supply in the form of interested money in search of returns over time. Like any investment and/or strategy however, one needs to weigh risks against expected returns.
Currency risk and project completion risk are two considerations. Being able to obtain and properly interpret adequate performance reports is another concern. In "Insurers call for more transparent infrastructure investments," Risk.net contributor Louie Woodall (June 14, 2013) writes that opacity is a roadblock to having insurance company institutional investors allocate more money to this asset class. Regulations cannot be ignored either. Olav Jones, deputy director-general of Insurance Europe is quoted as saying that "...the Solvency II calibration for long-term investments does not account for the actual default of these assets, which is the primary risk insurers have to reserve for when using a buy-to-hold strategy." To the extent that pensions may be asked to comply with Solvency II mandates (or something similar for non-European funds), their trustees will no doubt want to ensure that capital is being pledged on the basis of "true" economic risks they deem to be associated with identifed investments.
Fiduciary liability is another factor that, in my view, is seldom discussed. Specifically, there are situations when a pension fund may feel that political pressure is being brought to bear to have trust money used to support a local project. When I recently spoke about pension governance before an audience that included public fund trustees, several persons complained about the exertion of uncomfortable "influence" to allocate assets in a way that could be said to fuel growth for a particular city or county or state but not necessarily fit with the pension fund's investment strategy. I served on a June 17, 2013 panel entitled "Fiduciary Responsibility for Management & Trustees." It was part of the Tri-State Institutional Investors Forum. The conference was produced by the U.S. Markets Center for Institutional Investor Education.
Published in 2008, interested readers may want to download "Pension Fund Investment in Infrastructure: A Resource Paper" by Larry W. Beeferman, JD. I have had the pleasure of speaking about governance and pension risk management at events put together by Mr. Beeferman, senior executive with the Labor and Worklife Program at Harvard Law School.
Another resource is "Trends in Large Pension Fund Investment in Infrastructure" by Raffaele Della Croce (OECD, November 2012). Based on his survey research of beneficial owners with control of more than $7 trillion of assets, he describes infrastructure investing as "attractive" because it can "assist with liability driven investments and provide duration hedging." Later in the report, he discusses the tradeoff between liquidity of these longer-term commitments with the chance to diversify a pension portfolio.
With planes, boats, trains, cars and fast technology, we can go from Peoria to Paris in hours. It is no surprise then that we see pension giants focused at home and abroad.
Source: http://feeds.lexblog.com/~r/PensionRiskMatters/~3/yXlPb7kpdpg/
uk state pension pension lump sum pension transfer retirement age uk retirement calculator
posted by pension333 @ 22:00
0 Comments
Yesterday was jam-packed. You couldn?t take your eyes off it for a second!
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/aouozu/
the pension service pension release annuity inheritance tax pension calculator
posted by pension333 @ 20:00
0 Comments
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/
pension release annuity inheritance tax pension calculator nhs pension
posted by pension333 @ 18:01
0 Comments
Source: http://www.iea.org.uk/blog/phoney-war-between-the-generations-masks-worrying-lack-of-reform
drawdown state pension forecast uk state pension pension lump sum pension transfer
posted by pension333 @ 16:01
0 Comments
A Pension Practitioner.Com S.S.A.S. can help you cut tax and extract cash from your property without a remortgage whilst getting tax relief.
iht annuity rates stakeholder pensions uk retirement drawdown
posted by pension333 @ 14:01
0 Comments
Source: http://www.iea.org.uk/blog/limited-success-for-osbornes-lawnmower-cuts
pension release annuity inheritance tax pension calculator nhs pension
posted by pension333 @ 12:01
0 Comments
I have been intrigued today to hear the Labour leader, Ed Miliband’s, policy announcement regarding union membership, and affiliation fees to the Labour party.� And whilst purely political announcements have no place on this�employee benefits�blog, it’s almost impossible to ignore�the … Continue reading
uk state pension pension lump sum pension transfer retirement age uk retirement calculator
posted by pension333 @ 10:01
0 Comments
I was beavering away yesterday; preparing for an interim Client meeting ? to let him know how my financial planning thoughts had progressed re: his impending retirement.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/4fnaz7/
pension release annuity inheritance tax pension calculator nhs pension
posted by pension333 @ 08:01
0 Comments
Minute-by-minute report: |Follow the action from the Women's Euro 2013 final in Sweden with Daniel Harris
Source: http://www.guardian.co.uk/football/2013/jul/28/women-s-euro-2013-final-germany-norway-live
retirement age uk retirement calculator annuity calculator pensions advisory service can i retire
posted by pension333 @ 06:01
0 Comments
Source: http://blogs.birminghampost.co.uk/business/2013/07/daimler-to-take-aston-martin-s.html
pension release annuity inheritance tax pension calculator nhs pension
posted by pension333 @ 04:01
0 Comments
There has been a great deal of political [...]
Source: http://touchstoneblog.org.uk/2013/07/the-myths-about-who-is-protected-from-the-bedroom-tax
drawdown state pension forecast uk state pension pension lump sum pension transfer
posted by pension333 @ 02:01
0 Comments
Followers of this blog will be aware that the limitations imposed by legislation on NEST have been under review for some time now, and were subject to a formal consultation at the back end of last year. For those not … Continue reading
stakeholder pensions uk retirement drawdown state pension forecast uk state pension
posted by pension333 @ 00:01
0 Comments
Source: http://blogs.birminghampost.co.uk/business/2013/07/ok-it-might-be-heresy---but-th.html
drawdown state pension forecast uk state pension pension lump sum pension transfer
posted by pension333 @ 22:00
0 Comments
Source: http://www.iea.org.uk/blog/inflation-is-still-a-major-problem
pension forecast pensions uk iht annuity rates stakeholder pensions
posted by pension333 @ 20:01
0 Comments
You obtain a mortgage, and then you obtain life insurance. Right?
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/4ode9v/
annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
posted by pension333 @ 18:00
0 Comments
What every investor should know when looking to invest in student accommodation for investment. From how investment companies and developers price the properties to things to look for before investing.
Source: http://www.freshinvest.co.uk/blog/property-investment/student-property-investment-facts/
iht annuity rates stakeholder pensions uk retirement drawdown
posted by pension333 @ 16:01
0 Comments
Source: http://www.iea.org.uk/blog/tackling-the-problem-of-pressure-group-politics
annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
posted by pension333 @ 14:01
0 Comments
Source: http://www.iea.org.uk/blog/cameron-and-osborne-race-to-the-bottom-in-economic-literacy
pension forecast pensions uk iht annuity rates stakeholder pensions
posted by pension333 @ 12:00
0 Comments
Slightly hidden away in the bowels of the Daily Telegraph comment section is a piece about Wedgwood Potteries. Sadly this wonderful British institution has faced financial difficulties in recent years and as a result, the pension scheme has had to go into the Pension Protection Fund in order to be rescued. So far so sadly [...]
Source: http://www.pensionlawyerblog.com/pensions-wedgwoo
inheritance tax pension calculator nhs pension pension forecast pensions uk
posted by pension333 @ 10:01
0 Comments
The latest labour market data follows the trends [...]
Source: http://touchstoneblog.org.uk/2013/07/video-employment-trends-july-2013
pension lump sum pension transfer retirement age uk retirement calculator annuity calculator
posted by pension333 @ 08:00
0 Comments
Mark Carney has been given a pretty weighty task as he starts his tenure as governor of the Bank of England. In recent weeks, almost every time the chancellor or one of his aides has been asked about the prospects for growth, he has mentioned Carney and his track record of boosting the economy through unusual monetary policy tools.
Already we may have started to see signs of this, with Carney’s highly unusual first statement in which he said expectations of interest rates in 2015 were “unwarranted” – in effect a guarantee of long-term low rates.
But Lord Mandelson, Labour’s former business secretary, and a prominent pro-European, wants Carney to pay attention to what is happening on the other side of the channel too.
Continue reading �Source: http://blogs.ft.com/westminster/2013/07/mandelson-to-carney-pay-attention-to-europe/
annuity calculator pensions advisory service can i retire pensions calculator ill health retirement
posted by pension333 @ 06:01
0 Comments
This blog was contributed by�Margit Physant, Project Manager for the�Malnutrition Task Force. The Duchess of Windsor is reported to have said that you can never be too rich or too thin. I don?t know about the first but you can … Continue reading
Source: http://feedproxy.google.com/~r/AgeUkBlog/~3/NydAX44qOqk/
inheritance tax pension calculator nhs pension pension forecast pensions uk
posted by pension333 @ 04:01
0 Comments
We had a Financial Services Authority (FSA) ?Treating Customers Fairly? (TCF) telephone assessment today.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/7nxyby/
posted by pension333 @ 02:00
0 Comments
The clocks have sprung forward, the nights are much lighter...a sure sign that ?ISA Season? is upon us.
Source: http://www.lse.co.uk/blogs/expert/resident-ifa-blog/sfg3fm/
annuity inheritance tax pension calculator nhs pension pension forecast
posted by pension333 @ 00:00
0 Comments
Subscribe to
Posts [Atom]