Blogs from Chris Robinson, Contrado Consulting, Managing Partner

The importance of demographics

The importance of demographics

25th June 2015

Demography is the study of population trends – and it’s a very important discipline for life and pensions. How else do actuaries work out when we are going to get ill and/or die? The longevity debate is reasonably well understood; we (in the West) are living longer (on average) although as a famous Frenchman once said, ‘Age... read more
The financial planning process

The financial planning process

1st May 2015

What’s the difference between financial planning and wealth management? Does it matter, and does anyone care? Interestingly, the FCA handbook includes neither phrase in their glossary of terms although both are widely used in the industry to mean similar but different things.  Rather than get into a semantic argument let me explain... read more
Political Pensions

Political Pensions

9th April 2015

The budget statement in parliament is a fabulous piece of political theatre and - with this most ‘political’ of chancellors giving his final budget before an imminent and very uncertain election it was as ‘political’ as could be. I learnt a long time ago not to get too hung up on the actual ‘words’ in the... read more
Pension Decumulation

Pension Decumulation

9th March 2015

Pensions are dead simple; they are a 60 year deal where money goes in for 40 years and gets taken out for another 20 – Decumulation refers to that joyous part of the pension journey where you switch from putting money in to taking it out. In the good old days when patterns of employment were more straightforward and employers more... read more