All Opinion articles – Page 16
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OpinionMcCloud remedy: Are some public servants more equal than others?
I am a big fan of our public servants, and I am all in favour of them being treated fairly. But I am also a taxpayer with money purchase workplace pension benefits.
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OpinionGuidance needs stronger nudges to prevent future disaster
We are fond of a good nudge in this country.
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OpinionBuy-and-maintain credit poised to take centre stage
Data crunch: As the UK’s private defined benefit schemes mature and turn increasingly cash flow negative, their focus is shifting beyond funding ratio stability to adopting income-generating investments that help meet pension payments.
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OpinionDirect contribution: Are pension reforms driving better ESG?
Although the Covid-19 crisis intensified consumer and investor focus on business behaviour in 2020, environmental, social and governance issues have been on the radar of occupational pension scheme trustees for several years.
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OpinionPrivate sector consolidators can learn from LGPS pooling
In June, the Pensions Regulator gave the green light for the establishment of the first private superfunds, in which individual private sector defined benefit pension schemes will be able to pool assets and liabilities with no recourse to their sponsor.
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OpinionNot-for-profit sector schemes should consider more specialist approach
Part of the distinct nature of the current pandemic, and one that separates it from many other historical crises, is how differently it has affected different sectors of the economy.
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OpinionCoronavirus crisis shines the spotlight on fiduciary management
This year, we have witnessed significant market drama to a degree not seen since the financial crisis of 2007–08.
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OpinionTrustees need to up their game to protect member journey
The dialogue around pension savings has grown exponentially during the Covid-19 crisis.
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OpinionPensions Expert September edition: Braving post-crisis markets
Editorial: These days, nothing is certain. But the difficulties defined benefit schemes face in setting their investment and funding strategy over the next year really take the biscuit.
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Opinion
Has the DGF had its day?
Diversified growth funds have been a staple of UK pension allocations across corporate defined benefit, the Local Government Pension Scheme, and defined contribution schemes since the financial crisis of 2008-09 demonstrated the perils of poorly diversified, heavily equity laden, market dependent investment.
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OpinionBridging the advice gap, one nudge at a time
While traditional financial advisers are serving their clients well, the number of people receiving regulated financial advice each year remains alarmingly small. Indeed, the vast majority of the population falls into what is known as the ‘advice gap’.
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OpinionTPR sets dangerous precedent with AE breathing space
The pandemic has prompted some jaw-dropping actions from both government and regulators.
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OpinionRPI switching – dead in the water?
While for many of us 2020 has been anything but predictable, for the courts hearing pensions-related cases this year has seen a predictable and steady continuation of existing themes.
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OpinionApplying the lessons of coronavirus to climate change
Covid-19 has been a proverbial black swan. In the blink of an eye, the world around us has been fundamentally changed, with a distressing death toll, restricted freedom of movement, and the overnight closure of economies.
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OpinionSchemes must prepare for a tsunami of admin requests
A perfect storm is brewing and schemes should start to prepare for significant rises in sponsor and member-driven requests this autumn.
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OpinionMaster trusts hit by ‘perfect storm’
Data crunch: Defined contribution master trusts are going to work. That is as certain as the success of automatic enrolment.
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OpinionHow should pension funds apply ESG to derivatives?
Environmental, social and governance risk mitigation has become a mainstream feature of institutional investment, yet the integration of ESG has not been applied equally across portfolios.
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OpinionHow much has DB regulation cost?
The long-term decline and demise of DB pensions has been a major area of anger and frustration for many (including the authors). Debates are heated and often decline into the acrimonious.
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OpinionTime in the sun for pension costs and charges
While some look forward to the summer as a time to take stock and pause for breath; amid a sweltering heatwave, those of us in pensions policy are a long way from thinking about cooling off.
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OpinionSchemes must stay safe as cyber threat heightens
Editor’s blog: “When, not if.” A stark warning from the Pensions Regulator over the threat that cyber crime poses to pensions, if a little obfuscatory given an attack on an administrator had already been launched a few days earlier.