All auto-enrolment articles – Page 28
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News
Concerns over Lisa mis-selling remain as consultation closes
The Financial Conduct Authority’s consultation on rules for selling lifetime Isas will close on Wednesday, amid continued industry concern that the draft regulation will not do enough to stop inappropriate choice of products.
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OpinionData crunch: How big is the workplace DC market?
Eight years ago a client asked me how big the UK workplace defined contribution market is. The question was quite understandable. They were saying: “How big is this market? If I am going to invest to build products for it, I obviously need to know how big it is today.”
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OpinionIt is up to the industry to make auto-enrolment a success
2017 is set to be a big year for the defined contribtuion industry as auto-enrolment finally reaches SMEs and micro-employers. But we can’t afford to rest on our laurels.
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News
From BHS to Uber: The events that shaped pensions in 2016
Year in review: Having almost grown used to new regulations and system overhauls, 2016 managed to top (almost) everything, keeping the pensions industry on its toes. We have picked out some of the articles that accompanied this year’s turning points for pensions.
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OpinionA clearer picture of AE default funds
Next year marks the start of the busiest period for auto-enrolment. The pensions sector has a new year’s resolution to stage more than a million small employers.
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Opinion
What's the outlook for DC in 2017?
Defined contribution adequacy and stagnant investments were key concerns for trustees in 2016, so what do experts think the new year has in store for DC?
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News
Discrimination, indexation and tax relief's survival: Top law and regulation stories from 2016
Year in review: As if Brexit didn’t pose enough challenges, regulators, lawyers and two successive pensions ministers have had a lot on their plate in 2016.
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Opinion
Shout above the crowd
From the blog: The last print issue of Pensions Expert for the year went out on Monday, so as we cool our heels and begin winding down for Christmas I am left wondering what we as an industry will be talking about next year.
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News
2017 AE review will ignore adequacy but include charge cap
The Department for Work and Pensions has announced the scope of its 2017 review of auto-enrolment, including a reconsideration of the charge cap on defined contribution default funds.
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News
Select committee sets sights on gig economy
The Work and Pensions Committee has this week launched an inquiry into self-employment and the so-called gig economy, focusing on pensions as well as universal credit, support and labour market participation.
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News
Ownership or nudge? How to make auto-escalation work
The pensions industry and government must instil a sense of “personal ownership” over pensions in currently underprepared members if auto-enrolment is to achieve its aims, pensions minister Richard Harrington has said.
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OpinionEnable savers to take ownership of their money
We all know the pensions industry has seen a huge amount of change in recent years. One of the key challenges we face now is how we best explain these reforms, and what they mean for the ordinary saver, to the wider public.
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News
Increased contributions vital to continue AE success story
The real tests of auto-enrolment are still to come, one of the architects of the initiative has warned, as an adequacy report found many defined contribution-reliant members of Generation X are already beyond auto-enrolment’s help.
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OpinionTackle covert discrimination in auto-enrolment
From the blog: In recent months, much attention has been given to the Women Against State Pension Inequality campaign. This has brought the issue of gender inequality in pension legislation into sharp focus.
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News
Draft Lisa rules attempt to prevent AE opt-outs
Providers of the lifetime Isa should warn savers that substituting their pension for the product will mean they lose out on employer contributions, draft rules published by the Financial Conduct Authority have proposed.
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OpinionDone right, re-enrolment can be an auto-enrolment MOT
As we prepare for millions of smaller employers to start offering a workplace pension, we obviously can’t forget the thousands of employers, large and small, who have already done so.
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NewsWill tribunal judgment force Uber to auto-enrol its drivers?
Two Uber drivers have been deemed workers who are employed by the taxi app, in a tribunal judgment released last week that could set a precedent for the auto-enrolment of gig economy workers.
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OpinionHow to get defaults and fund choice right for auto enrolment
This month the Department for Work and Pensions calculated that by 2020, 10 million people will start saving, or saving more, due to auto-enrolment. They’ll soon collectively be putting away billions each year, mostly into default funds.
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NewsPensions minister outlines plans, warns of AE challenges
Pensions minister Richard Harrington laid out his intentions for the pensions industry today, speaking at the Pensions and Lifetime Savings Association’s annual conference in Liverpool.
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Opinion
The savings crisis: Top-up v save more tomorrow
Analysis: The debate about tax relief on pension contributions and incentives for saving has kept industry and policymakers entertained (or unamused) for five or six years now.