All Opinion articles – Page 22
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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.
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OpinionPractising what you preach – ESG in DC
Data crunch: Broadridge’s Hal La Thangue examines the growing prominence of ESG in defined contribution, and reveals a concurrent increase in the wider principle of ‘doing good’ in pensions.
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OpinionUK avoids Australia’s Covid-19 pensions trap
What can we learn from how governments around the world have responded to the coronavirus pandemic?
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OpinionThe dawn of continuous governance
The pensions industry’s reaction to Covid-19 has ushered in an era of professionalism and frequent monitoring that should arguably have always been the status quo, writes Ross Trustees’ Roger Mattingly.
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OpinionThe new normal: should pension firms return to the office?
The pensions industry has proved to itself that homeworking can work. The challenge now is making it sustainable, and rethinking the office as an attractive opt-in addition to most workers’ lives, writes Premier Pensions’ Girish Menezes.
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OpinionDB to DC transfers: time for trustees to do more?
For many people, giving up a guaranteed income for life will not be in their best financial interests, and yet record numbers are transferring their benefits out of DB schemes and into DC. Is it time for trustees to do more to help members? Kirsty Pake of Sackers investigates.
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OpinionCost data collection – is it all worth it?
Data crunch: In the final instalment of his series analysing findings from the Cost Transparency Initiative, Chris Sier of ClearGlass asks what schemes should actually do with their own data.
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OpinionLords’ open DB protections don't stack up
Editor's blog: Are we to see the decline of defined benefit put on hold? That is the vision of amendments to the pension schemes bill moved at the end of June by the House of Lords.
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OpinionIGCs let savers down with impunity
In an earlier column for Pensions Expert, I asked whether independent governance committees were up to the job of looking after the interests of millions of workplace pension savers.
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OpinionHow fiduciary management performance should really be assessed
Trying to draw inferences about fiduciary managers by comparing their growth funds grossly misses the point – to outperform liabilities – of these mandates, argues IC Select’s Anne-Marie Gillon.
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OpinionPension funds face a dilemma if negative rates materialise
The era of low interest rates has created challenges for trustees that could become acute and require redress if low interest rates become negative, writes Pavan Bhardwaj of Ross Trustees.
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OpinionWhat role does culture play in value for money?
Data crunch: ClearGlass’s Chris Sier shows that the best active funds are usually run by the lowest-cost managers, and asks whether fund houses’ readiness to provide data can be shown to be a sign of good net performance.
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OpinionTPR’s superfund green light is only the start
The Pensions Regulator’s new interim regime for superfunds has sounded that starting gun for commercial defined benefit consolidation, but there are still significant hurdles to be overcome, write Rosalind Connor and Aneliese Sweeney of Arc Pensions Law.
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OpinionWhat we can learn from Chile’s pension system
Ahead of the release of a new book on learnings from international pension systems, co-editor Tim Gosling uses the example of Chile to show how an initially flawed defined contribution system can be converted into one that sustainably converts capital into income.
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OpinionThe £1bn myth: how scheme-level costs change with size
Drawing together conclusions of recent articles, ClearGlass’s Chris Sier shows that merely making it past the magic £1bn does not automatically deliver scale benefits to members.
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OpinionWhy we are taking action to ensure a safe DB consolidator market
The Pensions Regulator’s Charles Counsell explains the principles behind the watchdog’s new framework for regulating the defined benefit consolidator market.
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OpinionUpside down: why trustees should be wary of unexpected outperformance
Firing a shot across the bows of industry peers, Kempen’s Nikesh Patel argues that trustees should be sceptical of fiduciary managers delivering significantly greater returns than expected when times are good.
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OpinionDoes paying more deliver more performance?
Data crunch: You get what you pay for, right? As far as fund management is concerned, this old adage does not quite ring true, although as ever there are some caveats, argues ClearGlass’s Chris Sier.
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OpinionInsolvency bill leaves huge questions on interactions with DB schemes
The most significant revision to UK insolvency law in 30 years leaves a litany of unanswered questions for defined benefit trustees and their regulators, according to Lincoln Pensions’ Dan Mindel and Luke Hartley.
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OpinionEconomies of scale: do they exist?
Data Crunch: Does size matter? ClearGlass’s Chris Sier digs into the asset classes that offer economies of scales to large or consolidated investors, and explores the possibility that size creates a cost drag in others.