All longevity articles – Page 6
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Opinion
Aligning admin systems in the pre and post-retirement worlds
There is a guiding principle to post-retirement investment strategy that simply states, ‘Do not run out of money’, but there are some hurdles to jump in order to meet liabilities.
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Features
How UK plc is responding to the challenges of an ageing workforce
Data Analysis: UK employers are waking up to the reality of increasing longevity but government, the pensions industry and individuals need to redouble their efforts in order to combat the financial risks it poses.
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News
Ageing workforce requires greater flexibility from employers
NAPF 2015: Long-term care is the "elephant in the room", delegates heard today, with policy, education and flexibility to play critical roles in employers' ability to support extended working lives.
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News
Longevity v interest rates – which poses the biggest risk for schemes?
Rising life expectancy poses a greater risk to UK corporate pension schemes than low interest rates, a report this week has suggested, but some industry experts have challenged the finding.
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Opinion
Three key levers to help manage DC longevity risk
There is a very real possibility that a large proportion of the working population will outlive their retirement savings.
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News
NAPF call for pension commission wins support, practical barriers remain
Industry experts have backed the National Association of Pension Funds’ call for a long-term plan to protect savers’ interests, but question the viability of extricating pensions from politics.
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News
More than half unlikely to take advice on pension access
Most retirees are unlikely to seek advice before withdrawing their pension, a survey has shown, as the industry wrestles with how to protect members in the new flexible pensions environment.
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Opinion
Five objectives and five risks for DC
Before the 2014 Budget, investment objectives for defined contribution schemes were relatively straightforward.
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OpinionEditorial: Longevity, BT, and our print break
Longevity risk has been on everyone’s mind since telecoms giant BT announced a behemoth deal to hedge 25 per cent of its total exposure to longevity improvements.
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Opinion
Longevity risk: Is the 1000-year-old man (or woman) a member of your scheme?
Advances in biomedical sciences have dramatically increased lifespans, which poses a real risk to a lot of schemes, with many now looking at the best ways to reduce such a risk.
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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
Buy-in market predicted to reach new heights
The amount of scheme liabilities underwritten by insurers is expected to reach a record high this year as buy-ins become more affordable and scheme confidence grows, derisking consultants have said.
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FeaturesMineworkers scheme extends cash buffer to battle rising longevity
The Mineworkers Pension Scheme has secured a 10-year extension to the repayment deadline of its government-backed investment reserve, as it works to manage increased longevity among scheme members.
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Opinion
A scheme guide to changing longevity risk
In the latest Technical View, the Biogerontology Research Foundation’s Alex Zhavoronkov lays out the latest factors affecting longevity and how schemes and insurers are tackling it.
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News
BT 'pleased' as 30,000 members seek Pie advice
BT has attracted interest for its pension increase exchange exercise from more than 30,000 members, as one of the highest-profile employers to offer the liability-reducing tool.
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News
Bulk annuity growth could tackle competition gap
New analysis: More insurers are expected to join the bulk annuities market to meet growing demand from pension funds, after concerns were raised over competition in the sector.
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Opinion
Why buy-ins/buyouts are not always the right answer
Pension schemes funding positions are notoriously volatile and deficits have increased significantly over the last decade.
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Opinion
Why 'healthy' life expectancy matters to members
Longevity has rooted itself as a near-intractable problem for sponsors of defined benefit pension schemes while at the same time being an apparently good-news story for everyone else.
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Features
Tips for managing cost of small scheme derisking
Small schemes looking to derisk should ensure a high standard of data cleansing and carry out a mortality analysis to manage the costs involved, finds Pippa Stephens.
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FeaturesITV: Collateral crucial for safe derisking
Pippa Stephens and David Rowley look at the lessons learned by the ITV scheme from its £1.7bn longevity swap deal.