Author Archive | Jeremy Cooper

Defined benefit pensions, retirement income products

It’s not a shock that retirement is different

We need different tools to measure success in the retirement phase, as many people become dependent on the cash flow from their super fund. The defined contribution system has failed to keep pace with retirees’ needs.

equity risk premium

Spinning the wheel in retirement

Contrary to popular belief, there are significant variations in equity returns over long periods such as 20 years. Whether you will earn the ‘equity risk premium’ is far from certain.

Jeremy Cooper

The comprehensive income product for retirement

The idea behind comprehensive income products for retirement, or CIPRs, is to provide retirees with a product that can generate a good income, manage risks and remain flexible. We need a scorecard to understand them better.

Long term annuities

Jeremy Cooper answers a question from one of our subscribers about the risk profile, regulatory standards and track record of lifetime annuities. If you have something to add, we invite you to join the debate.