GreenRoc Accelerates their World Class Project to Production as Early as 2028. Watch the full video here.
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A new U.K. government report was published last week .
https://www.gov.uk/government/publications/roadmap-for-digital-and-data-2022-to-2025/transforming-for-a-digital-future-2022-to-2025-roadmap-for-digital-and-data#background
The vast majority of government spend to produce the desired results is dished out through framework agreements that are up already and running today.
Triad Group Plc was been awarded places on those frameworks that have extremely large budgets . Estimated spend on the major framework for change, RM 6263, is £4BN over the period.
Successful companies on that framework are few and far between 103, in all of those Triad Group PLC is one of just 27 to win a place on both lots 1, and 2.
Last financial year the U.K. Government spent a total of £10M of spend through Triad Group Plc across over a dozen projects. The hope is going forward that spend could double, or triple at a minimum . Statically Triad Group PLC slice of the cake would be £60M. That would be in addition to the ongoing bread and butter government workload. Triad Group Plc recently published is accounts within the forward outlook are upbeat comments implying continued growth and staff numbers. The company also pointed out they had seen no slowdown in growth from recent events.
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Most investors on the stock market have had a torrid 9 months, yet the chance of a downturn or worse still, a recession is still not fully priced in. Triad Group PLC is an extremely defensive stock for the following reasons. Debt is bad news in todays market Triad has none in fact it sits on a cash mountain of £5.3M. Triads position on numerous U.K. Government frameworks is the sweet spot producing work for up to the next 4 years. When most companies are suffering falling profits , ones that can grow 50% plus a year become highly sort after.
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Your average pension is now falling like a stone.
Bonds are falling faster than a Derby winner.
Overpriced shares on high PE ratios going down the pan.
The market has suddenly begun to grasp the magnitude of the situation.
Free or near free money is over.
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Food for thought, when bonds and stocks crash for over a decade.
Now that the markets have woken up to these uncomfortable facts, centrals banks are reacting by raising interest rates to curb inflations. But given that inflation is so virulent, the interest rate hikes will be aggressive and will likely tip an already fragile economy into recession.
The most likely outcome from this is a collapse in stock prices. What does this mean for investors and for the economy?
The implications for the economy are straightforward enough. A fall in stock prices will worsen the coming recession. People with robust stock portfolios are confident and ready to spend money on consumption goods. If their portfolio has gone to the dogs, they tend to retract spending. Such a decline in spending will exacerbate recessionary forces.
But the implication for investors is arguably more profound. The most important component of society’s investment capital comes from our pension funds. These funds are deployed to stock and bond market to generate returns and ensure that we can live comfortably in retirement. If the stock market collapses, it looks like we are facing a pension crisis — perhaps even one of unprecedented proportions.
Bearish investors have been modelling this outcome for some time. John Hussman, for example, calculated that if markets were as overvalued as he expected and they eventually crashed, capital allocated to the standard pension fund portfolio in 2021 would return -2% every year for 12 years. The typical assumption pension fund managers make is that for a fund to pay out its recipients, it should be growing around 6% a year.
Think about that: 12 years of -2% returns, at the end of which £100 invested in 2021 will be worth around £80. And this analysis does not even factor in the inflation we are now experiencing which further worsens investment outcomes from the point-of-view of actual, spendable money. This is so vastly lower than the assumed 6% growth rate that a crisis is all but inevitable.
If this occurs, it will be nothing short of a disaster. It is not at all clear exactly what pension funds and the government will do. We might wait around and see if markets rapidly return to normal — but this is rare after a crash. More likely we will start to see sad headlines appear in the newspapers of people who, through no fault of their own, see the money they thought they were ferreting away for retirement disappear.
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To combat the above scenario, the stocks you chose must not crash off a cliff.
That can be prevented if your company pays dividends and grows fast during the bad times.
The fist to fail are those that borrowed.
The next batch are those that fail to adapt to the new order.
Others will fail off the back of client failures ( bad debt ).
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Not a good investment idea in my opinion.
New measures to propel 'superpower' of pensions in UK’s net zero journey
UK pensions have been given a green boost through new measures which will drive forward ambitions to tackle climate risk.
From:
Department for Work and Pensions
Published
20 June 2022
These will require pension schemes to measure and publish how their investments support the Paris Agreement climate goal of limiting global warming to 1.5 degrees Celsius above pre-industrial levels.
For the first time, pension savers will be able to see the impact of their investments and better understand how climate risks are being considered and mitigated, via climate risk reports published by their pension scheme.
Together with existing climate regulations, the new measures will mean from October this year more than 80% of UK pension scheme members will be invested in pension schemes subject to these new rules.
This is helping pave the way for greener pensions amid an economic transition to net zero that will create the opportunity to invest in green businesses, support jobs for the future, and ultimately help grow a stronger and more sustainable economy.
Secretary of State for Work and Pensions Thérèse Coffey said:
We are making sure our pensions can be a superpower delivering prosperity for people – and the planet – by making changes to the rules about how they are managed.
We’re paving the way for greener pensions which can offer sustainable returns for members while accelerating our net zero ambition and supporting local jobs.
The measures are part of a consultation response published on 17 June 2022 as the Secretary of State visited Abbey View Produce in Bury St Edmunds. Developed with financial backing from UK pension funds managed by Greencoat Capital, the greenhouse is a world first low carbon heating and greenhouse facility – demonstrating the power of pensions and their role in net zero.
James Samworth of Greencoat Capital said:
The greenhouses are a brilliant example of how pension funds can have a direct impact. Abbey View at Bury St. Edmunds are decarbonising UK horticulture, improving food security, and creating employment whilst delivering secure income for pensioners. Renewable energy more broadly is a great asset class for pension funds, matching their liabilities with long-term, inflation linked returns.
The publication comes ahead of a 3-week ‘Green Nudge’ trial which will see pension scheme members encouraged to learn more about making greener pension choices.
In recent years, the DWP has also opened doors to a wider range of investments – known as illiquid investments – for occupational pension schemes, making it easier for them to invest in projects that will help move the dial towards a carbon free economy, including infrastructure projects
Posts: 887
https://uk.finance.yahoo.com/news/state-pension-age-poverty-pensioners-230555793.html
Shows how important it is to build up a pension pot of your own.
Posts: 887
Another crushing blow to pensioners on the way.
https://www.moneymarketing.co.uk/news/billions-wipe-off-pension-schemes-if-rpi-change-goes-ahead/
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Unfortunately if your not a homeowner at retirement or still have a mortgage life is extremely tough .
How does average retirement income compare to average earnings?
It’s interesting to see how much disposable income the average pensioner today receives, in comparison to the average worker. Average UK earnings – before tax or housing costs – are £30,420. After income tax, National Insurance and 5 per cent pension contributions (the recommended minimum), this is reduced to £23,111. On the face of it, this is about 50 per cent more than average retirement income.
However, this does not factor in housing costs. The average UK mortgage payment is £669 per month or £8,028 per year. If this is deducted from the average net income, the result is £15,083.
By a striking coincidence, it appears from these figures that average net income is almost exactly the same for today’s retired generation as it is for today’s working generations. This is clearly in large part due to the high cost of housing. While the retired generation may largely own their own homes outright, and have no further mortgage payments to make, the working generation is spending a large chunk of its higher income on putting a roof over its head. Consequently, net income seems to balance out to within £3 a year. It really is that close.
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Only a tiny minority of stock market listed companies are in a position to pay out 90% plus of yearly profits as dividends.
Finding a company that can, is exceptional . The vast majority of companies need to continually re invest profits in the business to grow.
Triad Group Plc does not. The company already has cash £5.3M that is ample for working capital and safety if the economy hits a rough patch.
Since the directors own so much stock they immediately benefit from fat dividend payments. So do shareholders. Today’s yield is 5% that’s likely to increase a minimum of 50% a year going forward. The profit growth rate today is 67%. Returns like this are unavailable from other shares and will over the long term attract new investors. The dividend payments should also increase my pension pot and in a fairly short timeframe allow me to live off just the dividends. Any capital gain in the shares is also extremely welcome.
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More costly regulation to try and protect investors .
https://www.moneymarketing.co.uk/opinion/consumer-duty-pensions/
Each new law pushes the average pension pot, chance of a fabulous lifetime return, nearer to zero. !!
Posts: 887
https://www.stratisplatform.com/2022/06/14/stratis-monthly-june/
Todays news from Stratis, has pushed up its value by 80%
Stratis are Triads enterprise partner.
Stratis
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GBPT Stablecoin
Plans to launch a Great British Pound Token (GBPT) stable coin using Stratis technology are progressing with ‘Stratis Investment Group Limited’, a new entity created that will be used for the Stratis GBP stable coin. Stratis is currently working with Price Waterhouse Coopers (PwC) to complete FCA Registration. We also expect this partnership to continue with PwC, whereby they provide auditing services for the GBPT stablecoin implementation.
With entities like Visa increasingly willing to accept stable coin payments, there’s a huge opportunity to simplify cross-border and wholesale payments using blockchain technology. We also expect more UK equities and securities to be digitally issued in the coming months and years. This will likely drive the need for these instruments to pay out to holders using a GBP-denominated crypto stablecoin like GBPS.
Stratis NFT Ticketing System
Another exciting development to announce is that Stratis is currently developing a ticketing management system through which NFTs will be used to validate entry and store benefits and perks for specific venues and events.
NFT ticketing systems not only enable event organizers to enhance user experience; they also come with the advantage of blockchain immutability, proving the ticket’s authenticity and ownership status. The employment of NFTs for event ticketing becomes even more interesting where resale is permitted, from both a buyer and seller’s perspective, especially when there are associated perks and benefits. Stratis’ solution will be deployed onto the existing public blockchain platform, enabling the status of related perks and benefits to be easily verified in a trustless manner.
This system will initially be used at Stratis events; however, the team has kickstarted conversations with brilliant artists and several historic music venues in London about introducing NFT tickets for upcoming special events. Be sure to follow us on Twitter @stratisplatform for all the latest updates.
Posts: 887
This is the best evidence yet, proving the pension industry todays fails just about all.
The article shows the tiny pension pots of men and women at retirement.
Absolutely disgraceful after years of payments into schemes
https://www.theactuary.com/news/2022/06/27/uk-makes-slow-progress-closing-gender-pension-gap
Posts: 887
Assuming we base our calculations on the male £26,000 pension pot.
Pot not yearly income.
If that chap goes on to live till average age , just under 90 ,he has about 24 years of £1,200 a year income without any growth or £1, 500 if he is extremely lucky.
That makes me so angry, in real terms , it’s just about worthless.
We need to set the bright boys in the city the task to increase the growth rate of the average pension pot, during one’s working lifetime towards 30% P/A not the pathetic 3% or 5%.
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https://inews.co.uk/inews-lifestyle/money/pensions-and-retirement/pension-savers-risk-retiring-with-15000-less-whilst-10-of-adults-are-reducing-contributions-1711420
The advice given is to save 15% of your total lifetime earnings to produce a decent pension.
How stupid is that.
Your standard of living is crap, matched by the performance of the pension provider over 50 years.
For a tiny fraction of those payments one could simply invest a small sum in their early twenties, in a super growth stock, and just wait.
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https://www.telegraph.co.uk/pensions-retirement/financial-planning/average-pension-pot-buy-save-comfortable-retirement-uk-2022/
Another article promoting paying into a pension every day of your working lifetime.
End result : tiny pension, and no mention of inflation, and its savage effect.
In my opinion the approach is plain wrong.
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The illusion your pension is safe .
Soaring inflation and rising interest rates are placing unprecedented liquidity strains on some of the UK biggest pension schemes, according to industry experts.
A growing number of schemes have found themselves forced to sell liquid assets, such as equities and investment grade corporate bonds, to raise cash to replenish collateral — money offered as security — needed to ensure their long-term plans remain on track.
Article in the FT will be keeping the regulators up at night.
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Fact published in the Times on line today.
“Ten years ago public sector workers had an average of 49 per cent more added to their pension each year than private sector workers. Today the gap is more than five times bigger: a difference of 249 per cent.”
My take.
The private pension investment institutions should be given the task to raise the returns from private pensions , to a minimum target of 25% PA.
Using their skills, to match , or overtake what the government offers today, to workers in the public sector.
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https://www.thisismoney.co.uk/money/pensions/article-10938101/Should-save-12-salary-pension.html
12% every month !!!
For life
Worse than prison.
Posts: 887
https://monevator.com/pension-fund-returns/
This is an article showing just how poorly the pension industry delivers, over a lifetime of saving and paying in contributions to produce your pension.
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UK government bonds have delivered an average annualised real-return of 1.8% from 1900-2021.
Totally unsuitable for pension growth yet the financial advisors put 40% of your pot in Bonds.!!!
Absolutely crazy.
It’s impossible for the pension saver to save enough for retirement.
Unreal
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In my opinion and I am not a financial advisor and can’t give advice one should be targeting a growth rate of around 30% PA.
In an age of inflation that growth rate ideally wants to exceed the inflation rate plus 30% compounded over the period of saving.
The higher the growth rate the shorter the time to build up a very substantial pension pot .
At 30% compound a year 20 years is ample time.
Start in your mid twenties with a lump sum and by 45 you can retire comfortably.
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Worth a read for those who have lost their parents.
https://www.dailyrecord.co.uk/lifestyle/money/new-state-pension-underpayment-guidance-27447882
Posts: 887
https://www.independent.co.uk/business/pension-contributions-pause-retirement-b2121256.html
Here we go again , remember the pensions industry wants to pick up commission payments for 45 plus years from you.
Clearly , like the banks, they don’t like missed payments.
The best way to prevent this is to scar the pants off joe public into paying his or her subs through good times AND BAD.
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My SIPP pension update .
??A different and refreshing approach to pension saving. Using a SIPP pension.
?? Offering an alternative to the pension industry norm, (of a lifetime of saving), at the expense of quality of life, for the average worker.
? My personal attempt to produce a 100 fold increase in my SIPP pension pot, within 20 years. Starting with £29,746.00 WITH ZERO ADDITIONAL CONTRIBUTIONS , targeting a value of £2.9746M .Making personal investments in potential super growth stocks, at reasonable valuations, before the city-crowd arrives.
Start date Sep 2005. End date Sep 2025.
Premium listed Triad Group Plc Epic code TRD. £1.30P Market Capitalisation £21M. PE Ratio 18 is currently my largest holding who I am depending ,to deliver, both super fast growth and dividends. Like all shares this is in no way guaranteed.
I will try and demonstrate the undervaluation I perceive today compared with stocks within its peer group where the PE Ratio is currently around 30.
Triad in simple terms is a consultancy, established 33 years ago, with 110 staff who integrate bang up to date technologies into computer systems for the private 3rd sector and government.
The company has spent the last 4 years moving away from low margin contractor based contracts towards high margin assignments. It has also partnered with Stratis Group . Triad Recently posted profits of over 1 million pounds. Net cash on the books is over £5M. Triad also yields C: 5%. No borrowings. Triad has a possible two gateways to outstanding profit growth that can’t normally be obtained from your average stock.
The first is the number and quality of government , Crown commercial framework agreements it has been awarded places on. These massively increase the chances of winning large very profitable government contracts. On top of this the U.K. government has a desire to award contracts to SME’S such as Triad, at the expense of the big players traditionally used.
The second possible avenue towards very high growth is through its Stratis blockchain framework partnership, the only U.K. Level 1 protocol Advantages of level 1 include lower transaction costs and simplicity. The U.K. government is promoting blockchain , without it , they fear the city of London will lose jobs and tax revenues. Every single Triad Director has purchased a large volume of shares over the last 18 months. If turnover can increase rapidly from around £17M towards £40M , profits could rise very substantially.
Few, if any institutional shareholders appear on the share register today, no broker coverage , just the type of stock that has previously produced fantastic growth in both profits and share price, helping me on the way to my personal SIPP pension target of £3M.
If I actually achieve that goal, the plan is to increase the help my wife and I have given to young families struggling to bring up families, who can’t afford to buy a house, renting very expensive private accommodation.
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No idea why the ??????? appeared in my previous post.
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Looks like those who paid into the state for a pension may well not receive it at all, the end of the day.!
Can the UK Afford to Pay for Pensions?
The UK government currently has almost £5 trillion worth of pension liabilities which it will have to pay in the future (£1.2 trillion for public service pensions and £3.84 trillion in respect of the state pension). Most of these are unfunded, meaning that they are largely paid out of annual tax revenues and the bill for them is being passed on to future generations because today’s government is not putting money aside to cover them.
In this study, IF asked a group of 50 of Britain’s leading thinkers in economics whether they thought this situation was tenable, or whether future governments will end up trying to reduce their liabilities in some way. Specifically, they were asked to give their views in response to the following questions:
1. According to the ONS, Britain currently has £1.2 trillion worth of public sector pension liabilities, three-quarters of which are unfunded. What do you think is the likelihood that these will be paid in full?
2. In Britain the state pension is currently paid regardless of other income and assets. However, in some countries (including Australia) it is means-tested. Do you think means-testing of the state pension is likely to be introduced before 2040?
The results – 75% of the economic experts said they did not think the public sector pension liabilities would end up being paid in full, and almost 50% said that they thought the state pension would become means-tested before 2040 – suggest that policy-makers have not yet reformed pensions sufficiently to make them sustainable, and a crisis is looming that will have a major impact on future generations.
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https://www.standard.co.uk/news/crime/rikki-nicholls-mark-kelly-pension-fraud-equitable-life-london-birmingham-b1012756.html
All the victims were cold called, most would have put the phone down had they not been offered higher returns, than the existing plan they were on.
One thing you see with fraud, time, and time again , is individuals greed, often the only reason , the fraudsters get away with their crimes.
The vast majority of financial advisors are not bent, but in my opinion, the training they receive guarantees that they never deliver returns that are large enough to provide a decent pension , even after 45 years of saving.
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https://www.express.co.uk/finance/personalfinance/1643952/retirement-state-pension-enough-to-retire-comfortably
More rubbish ,
1/ No mention of what a million pound pension pot might be worth in 40 years time.
2/ The only two winners are your financial advisor and pension provider.
3/ Risk and perceived risk. Bonds are perceived safe, but have cost the pensions industry dear over the last 18 months. !