Patrick Bloomfield

Pensions expert. Friend & helper to pension fund trustees. Partner and actuary at Hymans Robertson, UK. Also husband, dad and joining in the UK cycling fad.

[Guy Opperman @GuyOpperman]

With nearly 11 million in the UK 🇬🇧 saving 8% into an auto enrolled workplace pension we want to help and facilitate a focus on supporting these schemes - see eg below from @RustonSmith1 - to make investments that are good for members returns, the scheme and this country 5/

[Milton Jones @themiltonjones]

If you think Amazon are going to send you what you ordered you’ve got another thing coming.

[Patrick Bloomfield @PatrickPensions]

Bye by brake pads hello cycling helmet! No, not my midlife crisis, it's the UK's CPI basket 2017 ... https://t.co/MeE6bVcWbC @telegraph

[Patrick Bloomfield @PatrickPensions]

@JohnRalfe1 @iancowie happy to discuss if you'd like more background.

[Patrick Bloomfield @PatrickPensions]

@JohnRalfe1 @iancowie ... two quick caveats:
1) Buy-out deficit now >£900bn
2) Actual loss per person is skewed to young with high pensions

[Patrick Bloomfield @PatrickPensions]

@JohnRalfe1 @iancowie Sorry for the delay, I've been away . Buy-out deficit: £800bn. PPF deficit £300bn. Gap: £500m / 11m people = £45k.

[Patrick Bloomfield @PatrickPensions]

Our research puts pensions issues in the context of each business in the FTSE350 : https://t.co/LxdM5hQ59r
#BHS #Hymans

[Patrick Bloomfield @PatrickPensions]

BHS collapse: Pension all you need to know | via @telebusiness https://t.co/r72qGcyG0B

[Patrick Bloomfield @PatrickPensions]

Kit For Mencap

https://t.co/SgFAniVsNd via @YouTube

#KitForMencap

...delighted to host filming at #Hymans; great video guys

[Patrick Bloomfield @PatrickPensions]

Delighted Hymans Robertson is in the first wave of actuarial profession's quality accreditations. https://t.co/l2MvaommOE via @ProfPensions

[Patrick Bloomfield @PatrickPensions]

@JosephineCumbo Isn't there already the Junior ISA (which was the follow on from Child Trust Funds)? JISA isn't catchy though.

[Patrick Bloomfield @PatrickPensions]

1/3 of current pension savings is by under 40s. Massive impact on savings industry, more product innovation and advice needed #Budget2016

[Patrick Bloomfield @PatrickPensions]

don't forget the government taking back it's 25% incentive too! #Budget2016 https://t.co/RnfZBwcYWG

[Patrick Bloomfield @PatrickPensions]

pensions dodged a bullet today, thanks to #Brexit. LISAs only applying for under 40s is a concession #Budget2016 #stayofexecution

[Patrick Bloomfield @PatrickPensions]

right, back to work everyone, deadlines to hit.

[Patrick Bloomfield @PatrickPensions]

Will savers be able to resist smashing the piggy bank early? Very tax inefficient if you take it early. #Budget2016

[Patrick Bloomfield @PatrickPensions]

Devil's in the detail, can't wait to see the impact assessment. massive penalties for access before 60. https://t.co/8hUvxKhaUN

[HM Treasury @hmtreasury]

Lifetime ISA: a new ISA with a 25% government bonus – here’s how it works: https://t.co/PJOGZKehWV #Budget2016

[Patrick Bloomfield @PatrickPensions]

Withdrawing my earlier wager . <40s LISA effectively withdraws employers' NI on savings. First step to end of sal sacrifice #Budget2016

[Patrick Bloomfield @PatrickPensions]

can <40s still invest in pensions (or be auto enrolled )? Need robo-advice to determine which is more efficient saving route? #Budget2016

[Patrick Bloomfield @PatrickPensions]

TEE, taxed up front, 25% top-up will affect earnings brackets differently. needs analysis #Budget2016 https://t.co/UgPVR7PRBz