All longevity articles – Page 5
-
OpinionEditorial: Club together?
Editorial: Collective defined contribution is getting another close look. And it probably will do until pure DC can prove it allows people to have a decent retirement.
-
News
Lower rise in life expectancy no cure for schemes
After years of steady increases, improvement in life expectancy dropped to 1 per cent a year in 2016 from 3.1 per cent per year in 2011 in England and Wales, but low discount rates mean the rises still matter.
-
FeaturesJT Dove lowers deficit following mortality study
The £26m JT Dove Pension Scheme has reduced its forecast deficit by 11 per cent following a medically underwritten mortality study.
-
OpinionWe can make pensions both affordable and adequate
Pensions Expert 20th Anniversary: Retirement – however you define it, and whether we talk about funding it or when it starts for people – has undergone some significant shifts in recent years.
-
OpinionWe need flexibility and security in retirement
Freedom and choice has empowered individuals to make decisions based on their unique circumstances. However, this freedom also leads to challenges when making retirement income choices – among them, uncertainty over spending needs and longevity.
-
OpinionWhy people turn to equity release for retirement income
Analysis: Statistics show equity release is becoming more popular, but is it the right answer for property owners with inadequate pension provision?
-
News
Government follows Cridland on state pension age
The government has announced its intentions to implement the recommendations of the Cridland report, bringing the state pension age from 67 to 68 seven years ahead of schedule.
-
News
Cridland: Longevity as big an issue as climate change
Savers need to be more aware of the consequences of an ageing population on retirement saving, with providers, regulators and employers all having a part to play in improving engagement, say experts.
-
Opinion
Could improved understanding revive the annuity?
Analysis: Many savers have been reluctant to purchase an annuity following the government’s introduction of freedom and choice in 2015, but should they be nudged to reconsider their options?
-
News
Wealthy male pensioners buck national longevity trends
Rapidly rising life expectancy among older men will maintain high deficits for UK defined benefit schemes, according to a new report, despite flatlining mortality rates for other demographics.
-
OpinionGood funding levels require good cash flow management
For trustees and sponsors with an underfunded pension scheme, the main objective is to get to a fully funded position.
-
OpinionHow can we improve longevity tools?
There are numerous tools available to larger pension schemes to monitor and manage risks relating to the longevity of their members.
-
News
Greater flexibility needed to cope with growing longevity
The Department for Work and Pensions has called on employers to facilitate working at an older age so over-50s benefit from the same opportunities as their younger counterparts.
-
News
Pinpointing life expectancy could cut deficits by £25bn
Using more accurate assumptions on longevity could be the key to bringing down defined benefit pension scheme deficits, new research shows.
-
FeaturesPirelli announces £600m longevity swaps as deal flow set to accelerate
Italian tyre manufacturer Pirelli’s two main UK pension schemes have agreed longevity swaps covering £600m of pensioner liabilities, as researchers have suggested market volatility and insurer competition mean schemes could see attractive prices emerge on risk settlement products.
-
News
Longevity risk anxiety overshadows subtler threats
New research commissioned by investment bank State Street has shown that a quarter of pension professionals consider longevity risk to be the biggest threat to pension schemes, but some say it should not take priority.
-
Opinion
The end of pensions or the beginning of a new cycle?
The extent of change within our industry over the past 30 years has seen pension provision alter almost beyond recognition.
-
Opinion
FCA discussion paper outlines raft of challenges from ageing population
From the blog: The Financial Conduct Authority has released a discussion paper, 'Ageing population and financial services', aimed at advancing the debate on how the financial services industry can tackle the challenges and opportunities posed by demographic changes.
-
OpinionStriking a balance amid rising longevity
Talking Head: ‘The new normal’ is certainly an overused phrase in financial circles, but when it comes to considering the issue of volatility it is rather apt.
-
NewsEiopa stress tests stoke fears of holistic balance sheet return
Low rates and falling asset prices have hit pension schemes hard, the first stress test by the European Insurance and Occupational Pensions Authority has shown, and experts warn the holistic balance sheet could still rear its head.