All Opinion articles – Page 10
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OpinionSeven days in pensions
Seven days ago (September 23) we pondered a “mini” Budget, the day after the latest interest rate rise to 2.25 per cent.
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OpinionDigital pensions? If you build it, they will come
The past few years have seen an acceleration in digitisation in almost every area of people’s lives.
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OpinionWhy organisations should think radically about green pensions
If you have driven down the M32 into the heart of Bristol recently, you will have noticed an enormous mural the length of two street blocks defining corporate greenwashing as claiming to do good for the environment, while knowingly damaging it.
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OpinionImpact of the cost of living crisis on auto-enrolment
The announced government subsidy plan for energy prices will bring welcome relief for many. However, to put it into perspective, the government cap of circa £2,500 for an average household is still approximately double the price that it was at the start of this year.
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OpinionTrustees should pay attention to TPR’s corporate plan
The Pensions Regulator recently published its corporate plan for 2022-24, outlining how it will achieve the priorities set out in its corporate strategy last year.
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OpinionDashboards data outsourcing contracts risk non-compliance
The pensions dashboards — the revolutionary digital platforms where users can view their pensions information online, securely and all in one place — are due to kick off soon.
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OpinionTPR’s single code: Where is the finish line?
By now, trustees will be familiar with the new governance requirements that are set to be introduced by the Pensions Regulator’s new single code of practice.
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OpinionMembers or fraudsters? Take action now to weather the dashboard storm
The Pensions Regulator has ramped up its call to trustees to take action and prepare for the introduction of the pensions dashboard – recently launching its ‘Deadline’ campaign and guidance to get data ready. The largest schemes are expected to connect from June 2023 with medium-sized schemes set to follow from October 2024.
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OpinionPensions dashboards will require a consumer protection regime
A couple of pre-summer recess publications have made the pensions dashboards picture clearer.
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OpinionWhy are annuities making a comeback for pensioners?
After the introduction of pension freedoms, annuity sales fell off a cliff, with the decline largely driven by the fact that they were no longer compulsory.
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OpinionWhat has happened to my inflation hedge?
With inflation now printing at its highest level since 1982, the year after index-linked gilts were first issued to help tame rampant inflation, inflation pressures have proved to be far from ‘transient’.
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OpinionThe dashboards consultation response: a positive step forward
So there we have it. We have arrived at the next stage in the dashboards journey with the publication of the Department for Work and Pensions’ response to the dashboard regulations consultation — and it appears to be full steam ahead.
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OpinionFive factors to consider before investing in illiquid alternatives
Illiquid assets have played a small but significant role in defined benefit pension scheme investment for many decades.
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OpinionPensions dashboards and the importance of language
At or around the time psychometric tests were invented, I took such a test run by a university lecturer.
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OpinionInflation protection for pension scheme benefits
Pensions schemes, as well as pensioners, have not had to worry too much about the impact of inflation over the past 30 years.
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OpinionWhat is on the horizon for the LGPS?
The Local Government Pension Scheme is undergoing its latest triennial funding valuation as at March 31 2022, with results expected later this year.
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OpinionUnused legislative rule solves trustees drawdown conundrums
Section 273B of the Finance Act 2004 was introduced as part of the “pension flexibilities” changes and came into force at the end of December 2014.
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OpinionFive years on the ‘pensions horse’, is Opperman winning the race?
Almost five years have passed since Guy Opperman assumed the role of pensions minister, which we all know he asked for. What we can hope is that after all these years he knows what a guaranteed minimum pension is.
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OpinionSchemes can’t afford to continue neglecting data administration
The long-awaited pensions dashboards could play a huge role in solving some of the biggest problems facing the pensions industry today.
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OpinionWill inflation knock your scheme’s endgame strategy off track?
Effective defined benefit endgame strategies require three things for success. First, a clear endgame objective, second a clear plan to get there, and finally an effective governance structure to keep the scheme on track.