The challenge with conventional de-risking

The majority of schemes we come across are worried about market falls. This is truer now than ever with markets at, or near, all-time highs but with worrying events on the horizon. Funding levels are better than they were a few years ago, and governance standards are higher meaning that trustees know that no decision…

The queue for equity protection is out of the door. Or is it?

For those that work in London, the lunchtime sandwich rush will be all too familiar. The best places are always queuing out of the door, wasting valuable minutes of a lunch “break” – this can put many people off. The other day we were out picking up our lunch just before 12 – we were…

Unintended consequences

Minimum of 8 characters and at least 3 of upper case, lower case, number, character and is not similar to any used in the last 12 months. One of many modern day frustrations is being confronted with this and realising that your “usual” password (or a variation of it) no longer fits the bill. If,…

KISS goodbye to complexity

From Pensions Expert: I read with interest Rob Gardner’s Talking Head piece on the need to think differently and work together to solve the problems we face. One example of how thinking has changed dramatically over the past 50 years is transatlantic travel. Not long ago the received wisdom was that the only way to…