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Read more about the article Congruent Calculations™ – British Steel Pension Scheme redress templates 

Congruent Calculations™ – British Steel Pension Scheme redress templates 

  • Post author:Nasar Zamir
  • Post published:21/06/2022
  • Post category:Congruent Calculations
  • Post comments:0 Comments

In the FCA consultation paper on the redress scheme for former members of the British Steel Pension Scheme is a table of the comparison of benefits between BSPS2 (the new…

Continue ReadingCongruent Calculations™ – British Steel Pension Scheme redress templates 
Read more about the article FCA RPI-CPI new adjustments

FCA RPI-CPI new adjustments

  • Post author:Nasar Zamir
  • Post published:11/04/2022
  • Post category:Congruent Calculations
  • Post comments:0 Comments

CPI adjustments used for pension redress calculations RPI will be aligned with CPI (or strictly speaking with CPIH) from 2030.  The long-range forecasts that we use price this in and the…

Continue ReadingFCA RPI-CPI new adjustments
Read more about the article S404 Redress Scheme

S404 Redress Scheme

  • Post author:Nasar Zamir
  • Post published:11/04/2022
  • Post category:Congruent Calculations
  • Post comments:0 Comments

FCA has announced a consultation on a redress scheme for former members of the British Steel Pension Scheme (“BSPS”) who were give unsuitable advice. The FCA believe the unsuitable advice…

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Read more about the article Pensions Redress

Pensions Redress

  • Post author:Nasar Zamir
  • Post published:28/01/2022
  • Post category:Congruent Calculations
  • Post comments:0 Comments

Paying redress when an individual has a pensions loss needs individual consideration.A pensions loss often means that it has been agreed that the individual concerned has a personal pension which…

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Read more about the article Enhanced Protection and Transfers Don’t Mix

Enhanced Protection and Transfers Don’t Mix

  • Post author:Nasar Zamir
  • Post published:24/01/2022
  • Post category:Congruent Calculations
  • Post comments:0 Comments

Enhanced Protection and Transfers Don’t MixIf you have Enhanced Protection be very wary of pension transfers. A pension transfer can easily result in a “relevant benefit accrual”. Testing whether this…

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Read more about the article FCA statement on BSPS consumer redress scheme

FCA statement on BSPS consumer redress scheme

  • Post author:Nasar Zamir
  • Post published:20/01/2022
  • Post category:Congruent Calculations
  • Post comments:0 Comments

FCA statement on BSPS consumer redress schemeThe FCA has announced that it expects to consult by the end of March 2022 on a “s404 redress scheme” in relation to advice…

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Read more about the article SERPS adjustment in relation to transferred defined pension benefits to a personal pension plan

SERPS adjustment in relation to transferred defined pension benefits to a personal pension plan

  • Post author:Remy Julienne
  • Post published:25/11/2021
  • Post category:Congruent Calculations
  • Post comments:0 Comments

A SERPS adjustment can only apply to an individual who has some Guaranteed Minimum Pension ("GMP") - in other words who has some contracted-out employment - and then only if…

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Read more about the article FCA Update – Pension transfers redress guidance

FCA Update – Pension transfers redress guidance

  • Post author:Remy Julienne
  • Post published:01/09/2021
  • Post category:Congruent Calculations
  • Post comments:0 Comments

The FCA announced today confirmation that they will be reviewing the FG17/9 guidance by the end of 2021.  The FCA also took the opportunity to highlight its expectation on adviser…

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Read more about the article FCA Methodology – Sensitivity Analysis

FCA Methodology – Sensitivity Analysis

  • Post author:Remy Julienne
  • Post published:01/04/2021
  • Post category:Congruent Calculations
  • Post comments:0 Comments

RPI will be aligned with CPIH from 2030 which means that the methodology used to price CPI liabilities relative to RPI - usually with a 1% differential needs reviewing.  The…

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Read more about the article Final Update – FCA Announcement

Final Update – FCA Announcement

  • Post author:Remy Julienne
  • Post published:29/03/2021
  • Post category:Congruent Calculations
  • Post comments:0 Comments

The FCA has recently published (as of the 26 March 2021) updated guidance for firms to calculate redress for unsuitable defined benefit pension transfers (see FG17/9: Guidance for firms on how to calculate redress for unsuitable…

Continue ReadingFinal Update – FCA Announcement
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