Expert comment

Tom McPhail
Head of Pensions Research

Expert views by Tom McPhail

• Action Stations
  22 Jul, 2008

  First the bad news: Inflation is going up, wage settlements are being squeezed and the first job losses are popping up in some sectors of the market, your house is worth less than...

• Expanding inflation
  17 Jul, 2008

  The latest inflation numbers from the Office for National Statistics have confirmed that daily living is getting more expensive, and that it is getting worse not better; this is...

• Good fortune or hard work?
  09 Jul, 2008

  Few things in life that are worth having can be acquired without effort. If you are lucky, then a decent retirement income may just fall into your lap. Look at other aspects of your...

• Transferring your pension overseas
  02 Jul, 2008

  We have been seeing persistent stories in the press in recent weeks, about UK pension investors transferring their pension fund overseas. Allegedly this is being done to escape from...

• Three simple steps to a secure retirement income
  25 Jun, 2008

  I am indebted to my friends at Fidelity for some really interesting research on retirement funding, and specifically into the key factors that dictate your retirement income. There...

• The cost of living
  13 Jun, 2008

  HSBC has announced that it is restructuring its Defined Benefits pension scheme, citing improving life expectancy as one of the key reasons for the change. According to HSBC, every...