All default funds articles – Page 9
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OpinionWhat does the recent equity volatility mean for DC schemes?
From the blog: The week of August 24 was a particularly interesting one, with global equity markets experiencing their most significant fall since 2011.
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OpinionThe inherent risks in DC default investing
From the blog: UK pensions have faced an avalanche of change over the past few years.
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Opinion
Governance drives the game
DC Investment Quarterly: Mid-flux – that's the position of defined contribution schemes trying to readjust to the new reform and regulatory environment they find themselves in.
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Opinion
Don't split the DC default fund
Worried that one size never really fits all, trustees have increasingly been attracted to the idea of split defaults – funds with more than one strategy to accommodate different investment needs across the workforce.
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Opinion
The DC Debate – how the freedoms are changing the direction of DC
In the second quarter of 2015, our debate panel members explain how they think the charge cap and wider reforms are reshaping DC provision – and predict what further changes might come.
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Opinion
DC defaults: One size does not fit all
The continued growth of the defined contribution market was a secondary theme over the past quarter as the industry braced itself for fundamental reforms.
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OpinionNAPF: Half believe drawdown will deliver guaranteed retirement income
Talking Head: Pension freedoms are now open for business, and in the last week of March 2015 the National Association of Pension Funds surveyed savers aged 55-70 to see what they plan to do with their defined contribution pension savings under the new rules.
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News
NAPF seeks certainty over non-default fund switching rules
The National Association of Pension Funds has written to the government to demand clarification on the movement of non-default members between funds, to ease trustee uncertainty around charge cap regulations.
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Opinion
How the DC landscape will change in a 75bp world
It is generally accepted why there is a price cap. Bringing new savers into the complex and murky world of pensions always meant price would be a drum on which to bang the ‘value for money’ beat.
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Opinion
The case for cash: pension freedom and derisking
From April, savers will be faced with tough choices when it comes to drawing their pension: take the entire pension upfront, remain invested throughout retirement or buy a guaranteed income through an annuity.
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News
Default fund design hamstrung by lack of behavioural data
Defined contribution experts have said a lack of sufficient data on members’ likely reaction to April's pension flexibilities is leaving default fund design in a state of limbo.
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Opinion
What Malcolm in the Middle says about our retirement prospects
We've been talking about it for nigh on a year now, but a report released by the National Association of Pension Funds today paints a detailed portrait of the decision-making paralysis facing many in the 50-70 age group at retirement.
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News
DC benchmarks expected to switch attention to performance
Industry experts have predicted the governance focus for defined contribution default funds will swing from cost to performance as DC benchmarking capabilities come to the fore.
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News
Wider default definition will land more funds in charge cap net
The wider-than-expected definition of default funds in the government’s draft regulation could mean the charge cap applies to multiple funds at a scheme, hiking governance requirements expected of managers.
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Features
HSBC plans cash lifestyle default for ex-DB members
HSBC Pension Scheme plans to default members of its defined benefit section to its cash lifestyle fund following the closure of the section in July next year, as part of a wider post-Budget review of its defined contribution arrangements.
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Features
SABMiller to offer pension-plus savings options after 20% opt out
NAPF Annual Conference 2014: Drinks company SABMiller will launch additional savings vehicles after one in five workers opted out of its UK defined contribution scheme, with reductions in tax relief a principal factor.
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Features
Hyde Group uses employees to design flex bens
Housing provider Hyde Group has set up a flexible, employee-designed system for scheme members to access their benefits, in a drive to retain and attract talent.
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Opinion
How can DGFs adapt to fit under the DC charge cap?
Kevin Frisby from LCP, JLT Investment Consulting's Allan Lindsay, Axa IM's Yoram Lustig, HR Trustees' Giles Payne, Aon Hewitt's Ryan Taylor and Bruce White of LGIM discuss how diversified growth funds can work in line with the defined contribution charge cap, in the third of a four-part panel discussion.
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Features
How JPMorgan and RBS give DC members retirement flexibility
JPMorgan and Royal Bank of Scotland are working to offer members of their defined contribution schemes flexibility in how they access their retirement savings, in light of the Budget reforms.
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News
Industry calls for better DC risk guidance to hit target outcomes
Industry figures have called for better guidance for defined contribution members to help them choose the appropriate level of risk pre-retirement to achieve their target outcomes.