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Digital world supports the real world. The digital world rate of change is set to accelerate. It threatens millions of jobs and creates new jobs. Train to take advantage of bright new digital world.
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Balance out the threats and opportunities to your career. Train to take advantage of bright new digital world.
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Existing technology is not being used to maximise potential benefits
Emerging technology is yet to be explored to realise potential
Yet undiscovered tech developments need to be grabbed wholeheartedly
Riding best waves require you to be just in front. Being behind the wave means you miss out. Being ahead of wave risks your assets being wiped out! Getting timing just right requires training tips and advice.
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The Bigger Risk To Financial Services Jobs Is Automation Or Robots Not Brexit
Ignore the threat to financial services industry jobs of Brexit. You should be much more worried about the threat of robots. Job automation is the biggest finance sector threat and opportunity.
Job Automation Risk To Your Financial Sector Job
No doubt. Financial services industry is very important to the UK economy. If financial services jobs were lost other sectors would be affected. Fewer services jobs needed to service those in financial services jobs!
Many jobs in financial services are high paid jobs. Top British bankers are paid much more than elsewhere. Resistance to moving to Germany is as much about personal reasons. The UK economy may or may not suffer after Brexit. Bankers will suffer.
However people in financial services are facing automation existential threat. Never mind moving to Germany your job is going full stop!
FinTech company jobs will be prevalent. Bankers less so. Most financial services jobs can be done faster cheaper better. Robots will be
more reliable and
after a few years significantly cheaper
How long do you think the C Suite will keep your job. If job automation is better for bonuses your job is toast!
Existing financial services jobs are like UK miners jobs. The buildings will remain but the people in them will be different. Cyber security and fintech risk managers will be plentiful.
Banks insurers and funds will need cyber experts. They will stop external and internal threats to money.
Fintech risk managers will direct risk appetite and risk tolerance
C suite virtual bankers insurers fund managers will be wealthier
Wealthier investors but more at risk of systemic industry collapse
Software developers will frequent the bars and restaurants. Existing financial services people will be there waiting on tables!
Most existing financial services jobs will be lost to job automation. Do not doubt this for a second!
However it is not all doom and gloom. The key to survive is to move into the new financial services sector jobs. Some new financial services jobs do not exist right now! You must change your skills set to take advantage and survive.
Its not just the top bankers that need worry. Indeed they are the ones most likely to easily morph. Financial services jobs most at risk
Financial and investment advice
Any financial services sector job your current phone app replaces!
Consumers have a choice to use financial services apps and websites. In future the consumer will have no choice. Financial services consumers will not speak to people. People will be gone replaced by job automation. The robots will have taken over the financial services world!
There is no point in complaining. No point arguing with us. Better spending your time reskilling instead. Stop worrying about Brexit. Start retraining to overcome threat of job automation. Learn tech skills not German!
BusinessRiskTV.com Financial Services Jobs At Risk Of Automation
Eurozone European Union EU or European Economic Area EEA free trade. Whatever your business relationship with UK collaborate more on BusinessRiskTV.com. Cooperate to sell more to each other more easily.
Whether you align yourself with just UK EU Eurozone or EEA or none of them
Trading more brings down barriers. Every free trade agreement has an edge demarcation or barrier. Pull down barriers by trading more freely one to one. Then national barriers will fall.
EEA provides for the free movement of persons, goods, services and capital within the European Single Market
To get the most out of your business assets you do not need a free trade agreement. It does not matter if you are in favour of Brexit or not. You have to manage the threats and opportunities from Brexit. If your business is in the UK EU EEA or on the other side of the world trade more.
BusinessRiskTV.com offers practical tips tools and techniques to trade more
Simple steps to trade more
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We will suggest how we can help you trade more
You do not need to do what we recommend. What we recommend will increase your opportunities for business growth.
There is an argument that the EU27 were being held back by UK. Maybe UK is being held back from global growth by EU? Most business leaders no longer care.
Most do not trade outside of their country
Most just want to know what the new environment is
Most will get on fine with whatever is agreed
Our role is not to meddle with the politics. What will be will be. Our duty is to make the best out of the finalised deal. BusinessRiskTV.com will help business leaders wherever they are trade more profitably.
BusinessRiskTV.com Pan European Business Collaboration whether in Eurozone EU EEA or None Of These
Develop access to overseas marketplaces. Develop a new strategy to access new incomes streams. Diversify your income streams and build business resilience.
Overcoming Trade Barriers
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Work together to negotiate who will do what and when.
Inadequate risk knowledge may be holding your business back.
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Exporting more not only increase sales it increases business resilience
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What Are Your Tips For Increasing Overseas Trade
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Our business intelligence tools and techniques protects your business better. Grow more sustainably with less uncertainty. Look to the horizon to see the threats and opportunities. Put in place the best risk management action plan.
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Successful businesses keep their costs down and their sales high. Our ideas will help you beat your competition to new sales. No need to blow all your cash. Access new ideas to grow your business faster.
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Put a new marketing strategy into place. Watch your business grow faster.
Learn how to do digital marketing better and more cost effectively. Digital marketing help tips and advice to grow your business. Kick start an innovative digital marketing campaign today. Develop a new digital marketing strategy for your business.
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Like all marketing it’s not an exact science. Your digital marketing needs to be super flexible and rapidly change. Rapid adjustments allows you to respond to rapidly changing customer needs.
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We use various tools and techniques to improve digital marketing:
Search Engine Optimisation SEO
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Innovative use of social media
There is no silver bullet for digital marketing. If you have a massive digital marketing budget then this could be the solution. Is that sustainable digital marketing? Or is it a quick way to waste of pots of money?
Examples of digital marketing tools and techniques
We use a great number of digital marketing tools and techniques. Which ones we use for you depends on what you need.
vLogging – we create vlogs for you or you send us what you have created
Join our club for innovative tactics to grow your business faster. Do you have a low marketing budget your business? Need to make your promotional activities work hard? Dynamically boost interest in your products or services. Growth hacking services maybe your solution to marketing problem.
Growth Hacking Services
Traditional marketing techniques still have their place in a growth marketing strategy. TV or radio commercials, billboards, etc may still be needed. What is increasingly needed is a dynamic online marketing approach.
How do you attract your first hundred clients?
Then how do you attract your next hundred clients? How do you ensure your business is sustainable? How do you make survival and prosperity more likely?
Growth hacker marketing is a new more sustainable way to grow your business
Grow your product or services sales more profitably. We’ll help you become a growth hacker for your business.
Find out what you need potential customers to know
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Identify the most cost efficient ways to grow your business. Repeat repeat repeat what marketing works for you. Review marketing success, modify and execute.
Grow your business faster in the UK and overseas. Identify new ways to grow your business. Maximise your profit with a balanced risk-based approach. Change your strategy with new steps to attract new customers. Achieve greater success more sustainably.
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Improve the effectiveness of your advertising and keep costs sustainable to achieve long-term business growth. Develop your products and services presence in the marketplace to beat your competitors to new business sales.
Our marketing and advertising methods are less time consuming and more cost effective. Smoothly introduce your business to new potential customers in the marketplace for your products or services.
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Our growth hacking services will put your business in front of people who are interested in your type of products or services.
Optimise Risk For New Business Opportunities For Your Company
Identify and evaluate all the opportunities for a better future for your business. Proactively keep all business opportunities under review and assess the potential outcomes of pursuing each opportunity. Focus your resources on winners using a risk-based decision-making process. Optimise the return of your investment of time and money. Create greater value and optimise outcomes.
How To Identify new business opportunities
How do you become more successful as a leader? The answer is to reduce the risks and maximise the opportunities for our company.
It is most certainly a challenge to grow a business faster with less uncertainty, but that is what we help business leaders do. Don’t miss out on the new opportunities for your business to grow faster. Minimise the extra threats from taking more risk and maximise the opportunities for your business with your existing resources.
BusinessRiskTV.com Identifying Business Opportunities
What has worked in the past will probably work quite well in future, but we are thinking differently to find ways that will work better for business. Thinking differently about business threats and opportunities to build resilience and greater success.
Exploring business innovation and new ways of doing things that are better for all business stakeholders.
Helping to inspire business leaders to achieve more with existing resources.
Are you happy with the way your business is performing? Could you squeeze more out of your existing business assets to achieve more? Great change can come from thinking differently together. Take the first step to changing your business for the better by contacting us now below and enter code #ThinkingDifferently
BusinessRiskTV.com will help you grow locally and globally. Invest a little of your time now in your future business growth. Use our tools to make your business gorw faster. Now is the right time to consider your future with a local and global business expansion strategy.
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BusinessRiskTV.com How To Expand Your Business Internationally and Locally
We’ll become your secret weapon in the battle to win new business more profitably. Our digital guru services include writing copy in the right place for your business to attract new customers. Digital gurus will back up the copy with suitable photos, images and video content to help your potential new customers understand what great products or services you offer and why they should buy from you today.
Our digital gurus will promote your business via social media to reach as many consumers and business leaders as possible as cheaply as possible so your marketing budget will go further more profitably.
Digital marketing promotion and advertising tips advice and support. Use social media and online marketing in clever and interesting ways to creatively and innovatively grow your business more profitably more sustainably.
Corporate or enterprise entities do not make mistakes or create a bad business culture, executives do. Illegal, unethical or bad business practices arise because that’s the way executives want a company to achieve corporate objectives. Executives may or may not consider their business practices as bad or unethical, but the result is the same – corporate misbehaviour.
Understanding corporate misbehaviour
It may be a pointless waste of money undertaking a business health check if the executives are going to be unreceptive to the final risk management report, or simple pay lip-service to the outcomes.
Many CEOs know what game needs to be played with enterprise risk management ERM before they can return to their own agenda for the business. Internal or external risk management audits can just play into the CEO’s attitude to risk management. Such executives short-term philosophy seems to rely on the hope that the shit doesn’t hit the fan during their time as CEO and whatever happens after they move on is not a concern for some incumbent CEOs.
Much of executive misbehaviour, and therefore corporate misbehaviour, is a direct result of executive pay and associated benefits. Misdirecting executive pay and rewards drives most if not all catastrophic corporate collapses. Before the collapse poor executive pay and rewards strategies poison business innovation and employee motivation.
To anticipate which companies will survive sustainably you could look at how executives are rewarded. It is the single biggest driver of corporate culture and long-term success, or not as the case maybe.
Executive managers cause corporate scandals, corporate scandals are not externally driven. The proximate cause of the corporate scandal or collapse doesn’t start further down the organisation nor does it start from outside the company. CEO bad behaviour is normally the proximate cost or the catalyst for corporate collapse.
Corporate scandals aren’t a surprise to most executives, never mind the CEO. They take the level of risk they think is required to achieve their business objectives. They roll the dice and sometimes it pays off and sometimes it doesn’t.
For example, many in the banking and finance industry look upon the financial crisis as an external risk that impacted on their business strategy. No, or little, blame can be placed at the bankers door! It was all the other bankers and financers who were at fault for their share price collapse, mass redundancies and lost business opportunities – not their fault as their business was doing just fine until the financial crisis tsunami hit their business.
Such egotistical responses stem from either self preservation, or lack of care for their part in the near global systemic financial collapse of the banking and financial sector and the very near global anarchy which would have ensued. Politicians, who were part of the problem, became part of the solution – make money as cheap as possible via low interest rates and massive almost unremitting quantitative easing QE.
Mothers forget how bad childbirth was
More than a decade after the start of the financial crisis there is still mass unemployment in the developed world and the developing world lost a decade of opportunity to crawl out of poverty. However, the key decision-makers in the business world have either forgiven themselves or reinvented themselves in position of power. In addition, a new raft of politicians are in place, or about to find positions of power, to facilitate the next financial crisis.
At its least useful, enterprise risk management ERM is a tool to spread the blame should the shit hit the fan, so one would have thought that ERM could be more popular than it is. At its most useful it helps business leaders make business decisions that are more likely to be good ones for the long-term sustainability of the business for the benefit of all stakeholders in the business – including the CEO.
We’ll show your target market what makes your company different from your competitors. What makes your business different? How does your business stand out?
What makes your business stand out?
Our showcasing of your products or services will demonstrate why your competitors customers should buy from you. Pull in new customers to your business more profitably. Land more notice of what your business has to offer.
Do this differently
Formula 1 teams with smaller budgets have to fight for every last point by thinking and acting differently from their bigger competitors. You need to grab the attention of new customers in a different way from competitors unless you have unlimited advertising and marketing budget.
It is a challenge to capture more bang for your buck. BusinessRiskTV.com can help you attain more from every pound you spend.
What makes your business unique?
If your business is unique then great, but for many businesses this simply isn’t true. However, if potential buyers don’t know what you’re offering then they will buy from your competitors instead. You’ve lost the sales not because your inferior, but because you weren’t even in the running.
The most successful businesses are not necessarily the ones offering the best product or service, never mind a unique service. However, there are innovative ways to make your business stand out from the crowd and gain a competitive advantage.
We can direct new customers towards your business products or services more profitably more sustainably for longer business growth with less uncertainty.
Make your business stand out more cost effectively
Use our creative innovative ways to do more business more profitably. Complete the form below and enter code #StandOutNow.
Be different but more successful with it
Use social media and online marketing in clever and interesting ways to creatively and innovatively grow your business more profitably more sustainably.
BusinessRiskTV.com What Makes Your Business Unique
Every day you can find multiple great ideas that could potentially disruptive the current way of doing things. My favourites at the moment are flying modes of transport that could easily replace vehicles that have to travel on roads and flying machines that briefly go to space to get to their destination quicker. They may seem like far off technological developments, but the technology works now. Its flight rules and regulations that will hold them back to protect carmakers and airplane makers not technology risks.
Everyday new innovative ideas and products flood onto the market. For most it will be like Tomorrow’s World – the innovative ideas will not be sustainable. We want to work with people who want to take over the world – in a good way!
Your brand maybe vulnerable to others who have been thinking differently, or from changes to the marketplace. It may fail cause your performance ain’t good enough, or because your competitors change the rules of the game.
How you fail may not matter too much after you’ve failed. It will be too late to consider what you are doing wrong. Kodak didn’t want to change when they had to change to survive. They were making too much money from photographs to change to embrace digital photography. Market changes can kill the best businesses.
The best form of defence is often attack
Being more innovative or creative can be frightening. Picking the wrong horse in a paddock of new opportunities can be very costly. Innovation can also be exciting and highly rewarding.
We aim to make innovation for you more exciting and rewarding, as well as reducing the uncertainties that accompany innovation and creativity. Disruptive innovators can draw on our tips advice and support to become more successful with more certainty.
Beating your competitors to top high-performing talent
Fill your skills gaps faster to increase your business productivity with better access to more high-performing recruits. Attract develop and retain talent your competitors can’t find or attract.
A growing skills gap in the UK and USA will hold back organisations who are not more innovative and creative with their recruitment process. It is one of the biggest threats to corporate objectives this year.
Retaining increasingly expensive employees is also key to improve business model sustainability. It’s more profitable to keep talented high performers. They have the skills and knowledge to help you grow faster and replacing them will impact on your profit and make it less likely you will achieve your business objectives.
So you’ve got talented staff, but how do you turn them into high-performers
Attracting and retaining the best employees can be supported by selling and delivering better employee engagement strategy. Engage your employees more to help you achieve your business objectives with more certainty.
Recruitment strategies to attract and retain talent in UK
How do you attract the right employees to help you improve your business performance? Many employees are looking for an opportunity to help your business grow faster. To retain such employees you need to develop them to help develop your business.
We can work with you to turn new recruit enthusiasm into improved results working together with more established employees who know your business processes and objectives well.
There is enormous costs associated with recruiting employees. What a waste to let this talent pass leave quickly through high turnover of staff. Work harder at retaining staff and not only will you boost your business performance, but you will reduce your recruitment costs, as people will stick with you, not leave to join your competitor.
Get help from BusinessRiskTV.com to help you attract and retain the best people in the UK. Increase your chances of business success by developing your existing business leaders to implement a new improved business strategy.
High employee turnover costs you time, money and your personal productivity. Top talent is hard to attract and even harder to keep. Adopt new more creative ways to source, select and retain talented employees.
Reshape and redefine your employer-employee relationship. Learn more about more creative ways to attract employees, help them perform better to keep them longer
Grow your business online with paid and free advertising tools and techniques. Our online marketing and internet advertising services reach out to your potential customers needs priorities and preferences when it comes to lifestyle and business purchases.
Entrepreneurs and business leaders know the best way to market any business online. We offer creative and innovative ways to do this. You pick the ones that are best for your business.
If you don’t have a penny to spending promoting marketing advertising your business online, you can still promote market advertise your business via our tools and techniques. Market your business yourself without spending a lot.
Promoting marketing and advertising your business is not about developing your website. It is about getting your business in front of potential customers more often so you can sell more profitably online for longer.
BusinessRiskTV.com encourages your potential customers to visit your own advertising tools, like your website or social media account, and tells them why they should buy your product or service and not your competitors product or service.
How to advertise your business online for free
We have a number of tools to help you put your business in front of more potential customers for free. If you browse our website you’ll see plenty of opportunities to promote market and advertise your business online for free, if you know how to promote your website free of cost.
How to promote your business locally and globally on BusinessRiskTV.com
There are many opportunities on BusinessRiskTV.com to promote market advertise your business locally. We’ve designed the website so that you can target your investment of time and money in the places your potential customers are most likely to want to visit.
Our best marketing strategy for your business will depend on your business. We want to get to know your business products or services better before we select from various marketing strategies available to you. The marketing strategy that’s right for your business will encourage more potential buyers to buy from you. They will know for us why they should buy from you.
Free online advertising for small business
If you’re thinking ads when you think advertising, we can do that for you. However, our innovative advertising and marketing techniques help you appear in front of buyers with the capability of spending money on your products or services. Feel free to exploit our free online advertising for small business tools.
Use social media and online marketing in clever and interesting ways to creatively and innovatively grow your business more profitably more sustainably.
Confederation of British Industry CBI Is Politically Motivated and Industry Biased Reports
Absolutely no one can state with absolute certainty what the impact of Brexit will be on UK economy. Most of the articles on the impact of Brexit are politically biased, Leave or Remain, as there is still a fight for the result of the real Brexit vote.
Many reports, including the ones from the CBI, are also industry biased. The industry most likely, though not guaranteed, to suffer if and when the UK leaves the European Union EU will be the financial services industry. This particular industry could actually also be the main industry benefactor from Brexit too, but a lot will depend on the end deal with the EU.
Most business leaders in the UK can’t control Brexit, but they can control the impact of Brexit on their own business
Don’t let the CBI, the media or your mother dictate how you react to Brexit, should it eventually happen. Deal with what you know for certain. The value of the UK pound has fallen against a basket of foreign currencies because the financial markets don’t like uncertainty, and it is highly uncertain if there will be a Brexit, and if it happens what kind of Brexit it will be. The UK certainly has a massive opportunity right now, never mind March 2019 or later, to sell more overseas.
UK business leaders need to lay the foundations for a better future whether Brexit happens or not
Seize the day! The devaluation of the UK pound will remain as it is or devalue further over the next few years, unless Brexit is stopped. This devaluation negates most of the trade tariffs that could be imposed by EU or are imposed by other non-EU countries already.
Don’t wait for tariff-free agreements from wherever they might come. Tariff-free agreements could become the cherry on top of the cake for UK international traders. Tariff-free agreements could also boost the value of the pound and there will be no net benefit from the signing of tariff-free agreement, in terms of the cost of your products or services to overseas buyers from your business in UK.
UK business leaders will look back on this period of UK economic history and think they missed a massive business opportunity to sell more overseas
This is the time to sell more overseas, not when free-trade agreements have been signed, if they ever get signed.
Economic uncertainty has brought a massive opportunity as well as threat to UK businesses. Many UK business manufacturers have already exploited this perceived UK economy weakness to export more. If you want to concentrate your focus on the UK domestic market alone, then we wish you well.
If you want to explore ways to sell more and export more from the UK then click here – and enter code UK EXPORTER when you complete form. Alternatively, complete the form below and enter same code.
BUSINESSRISKTV.COM YOUR BUSINESS FORECAST TO GROW FASTER THAN CBI THINKS
Improving Small Business Performance and Sustainability
Helping small business leaders to grow faster with less uncertainty. Learn how to grow your small business. Find out how to promote your business more profitably. Develop skills to take your business to the next level.
Entrepreneurs Learning Leadership Skills From Their Phone PC or Mobile Device
Do you feel your management skills are maximising the return on your investment of time and money? No? Maybe you need a little help for free to brush-up the way you are doing things to boost your business performance and increase your business sustainability?
Push your business forward faster
Take your business forward with the help of your most valuable assets – your employees by squeezing every last penny out of them without alienating them!
You may have already built a successful business. Or you want to start your own new business. Kicking – on is not easy. Would you welcome some free help to make better business decisions?
Business leaders should never stop learning how to work better with their employees to find a way to achieve business and personals goals.
Small business owners and managers could improve the leadership and management skills with BusinessRiskTV.com. You may well be brilliant at what you do, but how can you inspire and encourage those who work for you to be brilliant too?
Get help to motivate your employees to be more creative and more risk aware. Let them see how this will benefit them personally as well as the business. Your business success may will depend on how inclusive your business culture is.
UK Business Leaders Finding Innovative Ways To Be More Successful
Business innovation is the most important way to beat other companies to find new income streams and develop profitability in the UK.
UK Business Leaders must seize the opportunities which will flow from Brexit if they are to survive and prosper. Even incremental gains in existing business practices can help secure a more resilient future.
Turning Business Opportunities Into long-term business success
Attract new customers and sell more to existing customers with our Business Innovation Forum.
Creating Culture Of Innovation
Business innovation doesn’t grow on trees! It needs a framework and a creative business culture to provide a real insight into how a business can change to take the opportunities it has in front of it.
Do you know what your competitive advantage is
If not, how are you going to identify it? If you do, how are you going to capitalise on it?
Develop your business processes to ensure that innovative initiatives reach into your business strategies to ensure more success in future that is more sustainable.
How successful is your leadership team at business innovation
Change your management team’s business innovation thinking to make the most of your business assets.
BusinessRiskTV.com Business Innovation and Creativity
UK Pension Liabilities In Private Sector Public Sector and Not-For-Profit Sector Are Out Of Control
Why are the systems meant to protect those saving for retirement so inadequate? You might say they are underfunded rather than unfunded until you see how much underfunding there is and then you might agree that really pensions are unfunded!
Pension News Headlines Risk Analysis and Reviews
18th March 2018 – In Future UK Employees Pensions Maybe Better Protected
Avoiding or abusing pension responsibilities maybe made a crime under plans to crack down on business leaders who fail to comply with their responsibilities to protect pensions and pensioners in UK.
The UK’s Insolvency Service will also be given extra powers to help protect employees from negligent corporate business decision makers who put pension schemes at risk.
22nd January 2018 – UK Prime Minister May Says UK Will Stop Abuse Of Pension Schemes By Executives and Shareholders
The scandal of continuous underfunding of UK pensions and the abuse of pension provision in the UK has been highlighted once again by the collapse of the UK’s second biggest construction company, Carillion. Some 28,000 pensioners are likely to face reduced pension payments due to the collapse of Carillion with perhaps a £1 billion pension hole where Carillion’s money should be.
Instead of addressing the pension hole, Carillion executives chose to boost the performance of the firm by underfunding the pension pot, paying higher dividends and paying themselves larger bonuses than they would otherwise have been entitled to. Carillion pensioners will transfer to the Pension Protection Fund after the collapse of Carillion, but many pensioners many pension members out of pocket when their pension is likely to be cut.
The UK Prime Minister says the UK will clamp down on executives who “line their own pockets” while not protecting worker’s pensions.
New rules in the spring of 2018 will aim to deal with executives who threaten worker’s pensions in order to benefit personally from bigger bonuses or rewards.
However, Mrs May said last year after the BHS scandal that she would tackle executive abuse to pension contributions with no progress to date.
27th June 2017 – UK Pension Regulator published its report into a deal under which Philip Green paid £363m to BHS pension scheme
The Pension Regulator says the “main purpose” in selling BHS was to prevent taking on liability for the BHS pension scheme. The Pension Regulator says that under Mr Green’s watch, the BHS pension fund had moved from a surplus into a deficit. However, after Mr Green’s personal recent substantial contribution, BHS pension fund now has a £100m surplus.
However, what is clear, is that pension fund risk management is highly inadequate. Periodically massive pension fund shortfalls materialise into real financial loss to pensioners. This will continue until legislation corrects the inadequacy of the present regulatory control and monitoring. Perhaps the Pension Regulator could also do its job better. It needs to show its teeth earlier.
Citibank Report 2016
According to Citibank, the 20 largest OECD countries alone owe $78 trillion to their public sector pension funds (funding for pay-as-you-go and defined benefit public pensions).
Do you pay into a private pension in UK? Your employer isn’t! Overall private pension funding in UK is only up to around two-thirds of what is needed. Around three quarters of a trillion pounds extra is needed to fully fund private UK pensions!
Where is this money going to come from to make sure you get your pension when you retire?
Unfunded public sector pensions make up two-thirds of the £2 trillion UK pension liabilities. Private sector pension funds should hopefully become less of an issue as private pension funds or closed to new members and subsequently closed down altogether. However, BHS has shown how private pension funds can throw up real problems for those saving for retirement or in retirement.
Why has the UK got saving for retirement so badly wrong?
Unfunded state pensions are the legacy of our fathers and mothers. They have failed to grasp the nettle of saving for retirement and have left a mess to the next generation in the UK whilst pocketing relatively generous pensions for themselves. This is compounded by unfunded central and local government employee pensions.
Public sector pensions are essentially like illegal Ponzi schemes where people think they are investing in their future retirement, but largely they are paying the pensions of those who are retired in UK now. They are really paying money with little more than a hope that the young of today will pay their pension when they retire. However, there is no guarantee that the young of today and government’s of the future will feel inclined to pay for retired people’s lifestyles they have no hope of matching when the young eventually retire. The main risk control measure seems to be increasing the state retirement age. And so it continues.
Corrupt business leaders are also failing to pay into private pensions to fund the pension of many people in private sector funds. They seem to be hoping that they will get away with it and someone else will pick up the tab, which is normally the retired person who did pay their fair share into the pension fund.
Scores of bankers have been jailed for their part in the financial crisis but the rest of the world should hang its head in shame for it’s lack of demonstration of accountability for actions and inaction in face of corporate risk
Financial services industry leaders, not just bankers, were highly culpable for the financial crisis upon which people committed suicide and a lost their shirts. Financial leaders should lose their liberty.
The next financial crisis is just around the corner. We’ve seen many incidents since the financial crisis that haven’t quite been systemic risk events, but they have cost financial services company’s billions in fines for poor and deliberate malpractice. Financial services leaders haven’t learnt their lesson. They are just paying lip-service to good corporate governance. Only the real threat of the jail will stop the next financial crisis happening.
Not only have the culprits for the financial crisis got away with it, they have gone on to be leaders in the financial services industry or other leading businesses.
From leading bankers to leading politicians to leading regulators to leading credit rating agency leaders to leading central bankers, they have all prospered despite the financial crisis and many have gone from causing the financial crisis to other positions of power without being held to account for their actions or inaction.
There has been limited tightening of global financial services regulations but the ultimate sanction of losing your liberty is still highly unlikely. It still more likely that financial services leaders will depart their employer with handsome pay-offs and pension packages rather than serving time in a USA or UK jail.
Until individual financial services industry leaders face and are convicted of criminal prosecutions, business leaders will continue to lead their employers to hefty financial penalties and even liquidation. If you kill someone at work, you at least have some real chance of going to jail. If you kill a corporate entity, you will almost certainly not go to jail in UK and USA. Appearing in court to face charges is not the same as losing your liberty for 7-10 years.
European countries have been a little more robust at jailing the guilty, but only a few can be proud of their resolve to improve corporate governance in practice.
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20th June 2017 – SFO charges former Barclays chief executive John Varley and three others – Roger Jenkins, Tom Kalaris and Richard Boath – after a five-year investigation into the £12bn “bailout fundraising” re-capitalisation of Barclays bank by Qatar
Barclays strategy was to go to Qatar for money instead of UK government. The bank and the ex-bank executives will officially respond to SFO charges on 3rd July. The charges include conspiracy to commit fraud by false representation in relation to a fundraising in June 2008. The ex-bank executives are facing potential jail of up to 10 years if convicted.
Other charges for some of those accused and the bank include providing unlawful financial assistance through a loan.
Barclays said it was considering its position in relation to these developments and awaiting further details of the charges..
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17th April 2018 – Global Economic Growth 3.5 Percent
Institute of International Finance IIF forecasting faster global economic growth. IIF increased global economic growth for 2018 to 3.5 percent. Much of the increase in growth down to USA tax cuts. These will not only power USA growth but global growth.
16th March 2018 – Global Growth Strongest In 7 Years
According to the Organisation for Economic Cooperation and Development OECD, global economic growth is growing faster than at any other time in last 7 years. It is forecasting economic growth at 3.9 percent for 2018.
Threats to global economic growth include growing trade war between most other countries and USA as well as other geopolitical issues like Russia v EU / UK, North Korea and the ever present tensions in Middle East.
14th March 2018 – A Credit Rating Agency, Fitch, Has Suggested Global Economic Growth Is Strong and Accelerating
Global economic growth is rising faster now than it has for around a decade.
Unemployment is falling, money is still cheap in most parts of the world and corporate investment is strong.
Fitch is forecasting global economic growth of 3.3 percent in 2018 and 3.2 percent in 2019. Last year it was 3.2 percent according to Fitch.
27th February 2018 – You Should Be Optimistic About Your Future
Global growth prospects for 2018-19 are improving and accelerating. Most parts of the world are looking to a better 2018 than 2017 in terms of economic growth and 2017 was one of the best year’s for growth in close to a decade.
Not every business will take advantage of increasing global economic growth, just like not all businesses went bust during the financial crisis starting in 2007-08. The rising tide of business opportunities creates the environment for your business to grow much faster in 2018.
Corporate business leaders in UK who look for new business development opportunities will find them.
If you don’t think you have time to explore business growth opportunities, you may get the opportunity to reflect at your leisure after your business collapses. Those companies that fail to grow may find they contract, or even fail to survive.
7th February 2018 – International Monetary Fund Chief Economist Says Global Economy Growing Faster
The IMF’s chief economist is reported as saying that world economic fundamentals are strong. There is increased trading and more business investment. As a result major economies are the world are growing faster than expected. He sees “very broad-based (global) growth”.
2nd February 2018 BusinessRiskTV Forecasts The Economic Forecasts Will Get Global Growth Wrong For 2018
Many economists are forecasting around the 4 percent mark for global economic growth in 2018. BusinessRiskTV forecasts this will underplay the global economic boom that is set to happen in 2018.
If a major global event occurs like World War 111, then growth will be slower, but if World War 3 happens we will not care about economic forecasts any longer! Such geopolitical risk events aside, we can look around the world and see great news unfolding:
America is feeding in huge corporate and personal tax cuts into its economy. When America grows so does the rest of the world. In addition, low unemployment and faster wage increases in USA will turbo-charge the USA economy in 2018.
Eurozone is experiencing is fastest growth period in around a decade and this will continue, but accelerate in 2018, as people find jobs and property values start to rise making people in the Eurozone feel wealthier. Manufacturing is returning to countries in Eurozone that may have once have forgotten how to make things.
Africa is a sleeping giant that will fail to get its act together in 2018 but will improve on recent economic performance.
Asia Pacific is set to expand faster with the likes of India in particular racing ahead. China will continue to find more and more people jobs in 2018 and will lift more people out of poverty further increasing demand for domestic and international consumption. Japan will finally put decades of deflation behind it and new technology will begin to overcome demographic time-bomb to the benefit of Japanese economy.
The Americas, and Brazil in particular, was once a fast growing area of the globe. South American expenditure will be healthier in 2018 and help develop continental and global growth faster than 2017.
The UK is constantly put down by people in the UK but the UK economy will continue to surprise most UK economists trying to subvert Brexit and grow faster than 2 percent in 2018. Low unemployment, faster wage growth due to skills shortages and rising housing prices will encourage UK consumers to spend more and manufacturing and services sectors will push UK growth faster supported by a return of the construction sector.
Middle Eastern countries will benefit from rising oil prices and rebuilding of some physically damaged countries.
8th January 2018 – Global Economy Forecasts: Increasingly More Positive Business Outlook
Previously poorly performing eurozone helping to drive more upbeat global economic outlook.
A survey for Sentix index indicated eurozone business leader confidence is at its highest level since August 2007. The global economy in all regions is looking more positive.
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