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Pensions Links

The Minimum Funding Requirement: The Next Stage of Reform - A September 2001 publication of the Department of Work and Pensions, outlining the Department's proposals for a future UK pensions regulatory regime. Full text in pdf format (36 pages).
Pensions Act 1995 - Official text from the HMSO of the Act of Parliament which created the Minimum Funding Requirement and equalized the retirement ages of men and women. Full text (in HTML) divided by Sections and Subsections, as well as details of the bound copy including online purchase.
The Pensions Institute - A unit of Birkbeck College, University of London, devoted to the research of the evolution of UK pensions. Details of research undertaken, virtual library of pension resources as well as general information such as research grants available and upcoming conferences.
Myners Report - Institutional Investment in the UK - Commissioned by Her Majesty's Treasury, it criticised the incentives and behaviour of pension fund trustees, investment consulting firms and fund managers.
Association of British Insurers - Trade association for the UK's insurance industry, representing around 400 companies. Includes a section on Life and Pensions.
Insurance Companies (Amendment) Regulations 1995 - Amends the Insurance Companies Regulations 1994. Now incorporated into FSA Handbook.
Insurance Companies Regulations 1994 - Includes parts IV (Margins of Solvency) and IX (Determination of Liabilities). Now incorporated into FSA Handbook.
Equitable Life - The Way Forward - Legal opinions and news of pending actions.
Her Majesty's Treasury - Voluntary Code for Pension Fund Investment. Revised set of principles of investment for pension funds, and the official MHT response to the Myners review of institutional investment, giving some updates on how the recommendations of the review are being taken forward.
House of Lords Judgment - Equitable Life Assurance Society and Hyman - The directors "shall apportion the amount of such declared surplus by way of bonus among the holders of the participating policies on such principles, and by such methods, as they may from time to time determine." But what does that mean?
Accounting Standards Board - Issue accounting standards, and recognised for that purpose under the Companies Act 1985. Formerly the Accounting Standards Committee.
Minimum Funding Requirement Consultation - Consultation document from Her Majesty's Treasury seeking views on the Minimum Funding Requirement applicable to most private sector defined benefit occupational pension schemes.
Local Government Pension Scheme Regulations 1997 - Statutory Instrument 1997 No. 1612, para 77, about actuarial valuation of the assets and liabilities of Local Government Pension Schemes.
Local Government Pension Scheme Regulations 1997 - Main page for Statutory Instrument 1997 No. 1612.
Insurance Companies (Amendment) Regulations 1996 - Further amending the Insurance Companies Regulations 1994. Now incorporated into FSA Handbook.
Department of Work and Pensions - Summary of responses to MFR consultation.
Faculty and Institute of Actuaries - The Faculty of Actuaries in Edinburgh and the Institute of Actuaries in London and Oxford are the two professional bodies for actuaries in the United Kingdom.
Occupational Pension Regulatory Authority - Established by the Pensions Act 1995, OPRA supervises the pension industry and employers who administer pension schemes.
Insurance Companies (Amendment No. 2) Regulations 1996 - Statutory Instrument 1996 No. 944. Now incorporated into FSA Handbook.
Institute of Chartered Accountants in England and Wales - A professional accountancy body, operating under a Royal Charter. Career information, news, articles on issues involving accounting.
Financial Services Authority - FSA Consultation Paper on its plan to define capital adequacy. Full text and feedback form.
FSA Handbook of rules and guidance - Handbook that superseded most of the Insurance Companies Regulations and other delegated legislation with the coming of "N2", specified in the Financial Services Act, on 1st December 2001. Links to all sections, providing full text, maintained by the SFA.
A Simpler Way to Better Pensions - The "Pickering Report", produced for the Department of Work and Pensions and published on 11 July 2002. Full text of the committee's conclusions and recommendations.
The Sandler Review - A review of medium- and long-term retail savings in the UK, commissioned by the Treasury and published on 9 July, 2002. Full text (via links to sections) and links to relevant press notices.
2002 Pensions Green Paper - Department of Work and Pensions consultation document on the future of UK pensions provision. Includes proposals for raising retirement ages for some government employment. Links to full report, technical paper, press release and other pensions documents, as well as ordering information.
Financial Services and Markets Act 2000 - Full text of the Act that currently governs UK financial market regulation.
Pensions Protection Investments Accreditation Board - The PPIAB is the organisation that assesses and accredits brands in the long-term savings industry. Site includes a list of the brands currently accredited, and advice on how to complain.
EU Insurance Regulations - Links to EU information on all aspects of the insurance business, including regulation.
The Occupational Pension Schemes(Winding Up) Regulations 1996 - Full text of the regulations governing the winding up of UK pension schemes under the 1995 Pensions Act.
The Occupational Pension Schemes (Investment) Regulations 1996 - Full text of the regulations restricting investments by pension schemes in the sponsoring company under the 1995 Pensions Act.
The Occupational Pension Schemes (Deficiency on Winding Up) Regulations 1996 - Full text of the regulations governing the winding up of UK pension schemes under the 1995 Pensions Act in the case of a deficiency of assets over liabilities.
The Occupational Pension Schemes (Minimum Funding Requirement and Actuarial Valuations) Regulations 1996 - Full text of the regulations governing the Minimum Funding Requirement under the 1995 Pensions Act.
"I'm the artist formally known as Beck. I have a genius wig. When I put that wig on, then the true genius emerges. I don't have enough hair to be a genius. I think you have to have hair going everywhe "A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools." (Douglas Adams) He who has a 'why' to live, can bear with almost any 'how'. - Friedrich Nietzsche "Video games are bad for you? That's what they said about rock 'n roll." (Shigeru Miyamoto, game designer for Nintendo) Lottery: A tax on people who are bad at math. -- Seen on a bumper sticker Pensions Women want mediocre men, and men are working hard to become as mediocre as possible. -- Margaret Mead I believe in equality for everyone, except reporters and photographers. -- Gandhi "Eternal vigilance is the price of freedom." (Raymonde Uy) Pensions "I met someone on the street who said wasn't it great that we're going to have a movie star for president, that it was so Pop, and (laughs) when you think about it like that, it is great, it's so Amer Marriage still confers one very special privilege - only a married person can get divorced. "What a curious phenomenon it is that you can get men to die for the liberty of the world who will not make the little sacrifice that is needed to free themselves from their own individual bondage." Always go to the bathroom when you have a chance. -- King George V How could they tell? -- Dorothy Parker, upon hearing that President Coolidge had died Pensions One may have a blazing hearth in one's soul and yet no one ever comes to sit by it. Passersby see only a wisp of smoke rising from the chimney and continue on their way. -- Vincent Van Gogh You never see a man walking down the street with a woman who has a little pot belly and a bald spot. -- Elayne Boosler Giving a man space is like giving a dog a computer: the chances are he will not use it wisely. -- Bette-Jane Raphael Pensions "From the start, marriage was instituted for contemptible, practical reasons--an idea of men." (Catherine Deneuve) "The dancer's body is simply the luminous manifestation of the soul." (Isadora Duncan) Minds are like parachutes - they only function when open. -- Thomas Dewar The imaginary friends I had as a kid dropped me because their friends thought I didn't exist. -- Aaron Machado No race can prosper till it learns that there is as much dignity in tilling a field as in writing a poem. -- Booker T. Washington Pensions "Do something for the joy of doing it and pray you won't be punished." (Sammy Cahn) "People drag their progeny around with them like a ball and chain, like some terrible deadweight that hinders their every move - and that, as often as not, effectively winds up killing them." (Michel I have noticed that nothing I have never said ever did me any harm. -- Calvin Coolidge Pensions The person who is slowest in making a promise is most faithful in its performance. -- Jean-Jacques Rousseau When he first ran for office, he appealed to the voters: "I never stole anything in my life. All I ask is a chance." -- Anon. "To err is human; to forgive, divine." (Alexander Pope) blah "Each friend represents a world in us; a world possibly not born until they arrive, and it is only in meeting them that a new world is born." (Anais Nin) Time is a great teacher, but unfortunately it kills all its pupils. -- Hector Louis Berlioz Pensions The second half of a man's life is made up of nothing but the habits he has acquired during the first half. Fyodor Dostoevsky (1821 - 1881) I don't mind if you don't like my manners. I don't like them myself. They're pretty bad. I grieve over them on long winter evenings. -- Humphrey Bogart to Lauren Bacall, in "The Big Sleep" To love oneself is the beginning of a lifelong romance. -- Oscar Wilde Pensions Standing in the middle of the road is very dangerous; you get knocked down by the traffic from both sides. -- Margaret Thatcher "One must still have chaos in oneself to be able to give birth to a dancing star." (Friedrich Wilhelm Nietzsche) A man can't be too careful in the choice of his enemies. - Oscar Wilde Man's mind stretched to a new idea never goes back to its original dimensions. -- Oliver Wendell Holmes "Try not to have a good time ... This is supposed to be educational." (Charles Schultz) Pensions "The want of logic annoys. Too much logic bores. Life eludes logic, and everything that logic alone constructs remains artificial and forced." (André Gide) Politics is the art of looking for trouble, finding it, misdiagnosing it, and then misapplying the wrong remedies. -- Groucho Marx What if nothing exists and we're all in somebody's dream? Or what's worse, what if only that fat guy in the third row exists? -- Woody Allen Pensions Conversation, fastidious Goddess, loves blood better than brick, and feasts most subtly on the human will. -- Virginia Woolf, Mrs. Dalloway I prefer the wicked rather than the foolish. The wicked sometimes rest. -- Alexandre Dumas pere "Any existence deprived of freedom is a kind of death." (General Michel Aoun) Giving a man space is like giving a dog a computer: the chances are he will not use it wisely. -- Bette-Jane Raphael I am ready to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter. - Sir Winston Churchill Pensions Life can only be understood backwards; but it must be lived forwards. -- Soren Kierkegaard "You make 'em, I amuse 'em." (Theodor Seuss Geisel, a.k.a. Dr. Seuss, 1904-1991, on children) An understanding heart is everything is a teacher, and cannot be esteemed highly enough. One looks back with appreciation to the brilliant teachers, but with gratitude to those who touched our human Pensions Ideas are like rabbits. You get a couple, learn how to handle them, and pretty soon you have a dozen. -- John Steinbeck Marriage is popular because it combines the maximum of temptation with the maximum of opportunity. -- George Bernard Shaw What a difference there is between what we say and what we think. -- Racine He who hesitates is a damned fool. - Mae West You can complain because roses have thorns, or you can rejoice because thorns have roses. -- Ziggy, character in comic strip by Tom Wilson Pensions There's many a bestseller that could have been prevented by a good teacher. -- Flannery O'Connor The trouble with some women is that they get all excited about nothing -- and then marry him. -- Cher Love looks through a telescope; envy, through a microscope. -- Josh Billings Pensions "The greatest dangers to liberty lurk in insidious encroachment by men of zeal, well meaning, but without understanding." (Louis Brandeis) I've been asked to say a couple of words about my husband, Fang. How about 'short' and 'cheap'? -- Phyllis Diller A man who has never made a woman angry is a failure in life. -- Christopher Morley A good novel tells us the truth about its hero; but a bad novel tells us the truth about its author. -- G. K. Chesterton "People drag their progeny around with them like a ball and chain, like some terrible deadweight that hinders their every move - and that, as often as not, effectively winds up killing them." (Michel Pensions When you have to kill a man, it costs nothing to be polite. - Sir Winston Churchill Courage: doing what you're afraid to do. There can be no courage unless you're scared. -- Eddie Rickenbacker "Majority rule only works if you're also considering individual rights. Because you can't have five wolves and one sheep voting on what to have for supper." (Larry Flynt) Pensions They have come up with a perfect understanding. He won't try to run her life, and he won't try to run his, either. -- Anonymous Truth often suffers more by the heat of its defenders than the arguments of its opposers. -- William Penn Marriage is a great institution, but I'm not ready for an institution. -- Mae West Many a wife thinks her husband is the world's greatest lover. But she can never catch him at it. Long engagements give people the opportunity of finding out each other's character before marriage, which is never advisable. -- Oscar Wilde Pensions All marriages are happy. It's living together afterwards that is difficult. -- Anonymous Life is a sexually transmitted terminal disease. -- Colin Greene I regret that I have but one life to give for my country. -- Nathan Hale Pensions If other people are going to talk, conversation becomes impossible. -- James McNeill Whistler As for the virtuous poor, one can pity them, of course, but one cannot possibly admire them. -- Oscar Wilde If you want to sacrifice the admiration of many men for the criticism of one, go ahead, get married. -- Katharine Hepburn "God is a gentleman. He prefers blondes." (Joe Orton, Loot) For the memory of love is sweet, though the love itself were in vain. And what I have lost of pleasure, assuage what I find of pain. -- Lyster Pensions The unfortunate thing about this world is that the good habits are much easier to give up than the bad ones. -- W. Somerset Maugham Musical people always want one to be perfectly dumb at the very moment when one is longing to be perfectly deaf. -- Oscar Wilde There are people in the world so hungry, that God cannot appear to them except in the form of bread. - Mahatma Gandhi Pensions A good time to keep your mouth shut is when you're in deep water. -- Sidney Goff Spinster: A bachelor's wife. Marriage is the sole cause of divorce. Everything that can be invented has been invented. - Charles H. Duell, Commissioner, U.S. Office of Patents, 1899 When I was a boy I was told that anybody could become President; I'm beginning to believe it. -- Clarence Darrow Pensions The wages of sin are death, but by the time taxes are taken out, it's just sort of a tired feeling. -- Paula Poundstone I know I'm not in government anymore. In fact I'm out of work. -- Ronald Reagan, Former U.S. President, on a speaking tour of Japan, 1989 You can complain because roses have thorns, or you can rejoice because thorns have roses. -- Ziggy, character in comic strip by Tom Wilson Pensions
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