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Could Scotland’s “improper liferent trust” revive the tontine?
Why a centuries-old Scottish trust could beat annuities.
53 mins ago
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Russ Oxley
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Could Scotland’s “improper liferent trust” revive the tontine?
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July 2025
Make Annuities Tax‑Free – A Radical Fix for a Broken Retirement System
Opinion
Jul 29
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Russ Oxley
2
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Make Annuities Tax‑Free – A Radical Fix for a Broken Retirement System
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Secure Lifetime Income is a great idea—so why lock out the under‑55s?
Secure Lifetime Income is an annuity bought within a SIPP, where, rather than having to take the income, you can decide whether to withdraw it or…
Jul 28
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Russ Oxley
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Secure Lifetime Income is a great idea—so why lock out the under‑55s?
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From Gilt Ladders to Target‑Date Funds
Modelling [retirement] cash‑flows
Jul 18
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Russ Oxley
1
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From Gilt Ladders to Target‑Date Funds
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April 2025
The Hidden Link Between Credit Spreads and Equity Options
Option-Based Credit Spread Explorer | Inspired by Culp-Nozawa-Veronesi
Apr 28
•
Russ Oxley
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The Hidden Link Between Credit Spreads and Equity Options
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# 💡 Hedging a Forward-Starting Annuity: A Practical Approach
This might sound a bit complex, but bear with me—it’s more straightforward than it appears.
Apr 5
•
Russ Oxley
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# 💡 Hedging a Forward-Starting Annuity: A Practical Approach
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March 2025
Introducing the Gilt Ladder Hedge App
A practical tool for hedging user-defined [UK] cash flows.
Mar 20
•
Russ Oxley
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Introducing the Gilt Ladder Hedge App
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February 2025
Modern Tontine Expert GPT
A chat GPT all about Modern Tontines - try it out and tell me what you think!
Feb 18
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Russ Oxley
1
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Modern Tontine Expert GPT
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January 2025
The Phoney Presidency Is Over — Hello Orange Wrecking Ball
Guest post by Stuart Thomson - Chief Economist at Vogonomics
Jan 21
•
Russ Oxley
1
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The Phoney Presidency Is Over — Hello Orange Wrecking Ball
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November 2024
ESG Data: A Tool for Change or a Barrier to Entry?
ESG as another data barrier to entry
Nov 19, 2024
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Russ Oxley
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ESG Data: A Tool for Change or a Barrier to Entry?
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January 2024
Firm Promises
Ironclad, get good lawyer promises - in investment clothing – are still relatively rare, and there is only one supplier - the Government.
Jan 22, 2024
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Russ Oxley
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Firm Promises
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Inheritance Tax (IHT) Debate
What if rather than "Tax 'em", we "Make 'em spend it"? - The case for a National Tontine
Jan 5, 2024
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Russ Oxley
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Inheritance Tax (IHT) Debate
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