Intergenerational risk-sharing is a much-touted myth
(And it’s got worse)
Government must intervene on behalf of lower-paid workers
Floreat hedge fundi
Big ideas for DB pensions look more harmful than helpful
Company schemes look more secure — but annual increase caps hit defined benefit payouts
Schemes survive in the private sector and are still going strong for public sector staff
Lessons from the UK’s near-meltdown
The telco’s £40bn pension liability remains an albatross around its neck
Taxpayers should not bail out companies that have been speculating
A flat rate of tax relief would also simplify the rules
Policymakers would do better to focus on improvements to individual defined contribution schemes
Disturbing accounts of how much the ferry group owes its pension schemes
Reform now to reduce inequalities and taxpayers’ bill
John Ralfe argues that Britain’s CDC pensions legislation needs to be made fairer.
Commuters to face more strikes as large retirement deficit looms
The group could make a one-off contribution after selling Openreach to the government
The highest earners should be paying more tax on their retirement savings, not less
When a company buys another, the retirement fund should be guaranteed, says John Ralfe
How much to spend in retirement is the most complex financial decision
Losing their defined benefit scheme would put politicians on a par with constituents
John Ralfe considers the options facing the retirement fund’s members
John Ralfe evaluates the agreement to salvage the chain’s retirement fund
Think carefully about the risks before giving up a guaranteed income for life
Public sector defined benefit retirement schemes are unsustainable, says John Ralfe
