Chris Wagstaff
OpinionShifting trustee mindsets: ESG integration just means risk management
The start of October will herald a major change in the UK investment landscape. As all trustees of UK occupational pension schemes will be well aware, from the start of the month they will be required to set out and publish how they take account of financially material risks.
OpinionOvercoming behavioural biases in retirement saving
Given that people do not like being told what to do, especially with their own money, it is little wonder that traditional prescriptive measures to get the nation saving for retirement simply have not worked.
OpinionWhy we need a default option at retirement
In a world of freedom and choice, the in-retirement stage of the defined contribution journey is potentially fraught with difficulty.
OpinionThe new state pension – why savers are not necessarily better off
On its inception in 1909, the old age pension of five shillings per week (£20 in 2016 money) was paid to around 500,000 people aged 70 plus whose income was less than £21 a year, reducing to zero if that income exceeded £31.
- Opinion
Pension Wise: perception and reality
From the blog: Defined contribution investors face risks and challenges both at and in retirement, against the backdrop of the widening UK advice gap and the lack of any reference framework by which to gauge what is feasible and realistic.