All Opinion articles – Page 26
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Opinion
DC Debate Q4: A pensions policy wishlist
After many years of tinkering, many in the pensions industry pray for no news and stability in the Department for Work and Pensions' policy announcements. But what changes could benefit savers, rather than the taxman? Five defined contribution experts discuss.
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Opinion
DC Debate Q4: AE changes to protect the needy
Five defined contribution experts discuss whether the government should raise minimum contribution levels further than currently planned, and how to help low earners and the self-employed.
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OpinionHow to take a proactive approach to decision-making
Proactive decision-making is a function of a pension plan’s governance framework, the knowledge of the individual trustees and the quality of the advice they receive from their advisers.
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OpinionWhy does DC still go wrong?
We have never had so much technology and automation at our fingertips, which is just as well given the significant increase in volume of members in defined contribution arrangements.
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OpinionBetter guidance means better retirement decisions
The choices available to savers at retirement have undergone profound changes in recent years. Most agree that giving people access to their own money is a sensible policy, but in doing so we have placed a burden on ordinary people, asking them to make huge decisions that could changes their lives forever.
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OpinionCDC serves an obvious purpose for DWP
Editorial: Addressing Royal Mail workers in London last week, pensions and financial inclusion minister Guy Opperman was keen to justify what is effectively a legislative carve-out on collective defined contribution.
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OpinionHave we entered a new investment fee paradigm?
Data Crunch: Recent investment fee-related headlines from across the globe have created shockwaves that are rippling through the asset management industry.
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OpinionTech can bring sophisticated quant closer to smart beta budget
The rise in popularity of factor investing for UK pension funds in recent years has been inexorable.
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OpinionPatient capital in DC: Worth the risk?
From the blog: Philip Hammond wants pension funds to invest in patient capital, and publishing a policy paper on the subject for the second Budget in a row, it appears his approach is rather, well, patient.
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OpinionWhat will LDI adoption look like over the next few years?
The task of guaranteeing the future financial security of scheme beneficiaries, while carefully navigating the unpredictable investment market, presents pension trustees with a difficult challenge.
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OpinionDelayed dashboard the answer to UK’s small pots problem
Auto-enrolment means every job now comes with a pension. It also means the UK’s existing small pension pots problem is significant and set to grow.
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OpinionWhy we need to better understand Generation AE
Who are ‘Generation AE’, the first-time pension savers created by auto-enrolment?
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OpinionWhat mandatory tendering will mean for your scheme
The Competition and Markets Authority launched an investigation into the investment consultancy and fiduciary management services used by UK pension schemes in September 2017 and identified some issues that impact competition in these markets.
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OpinionDB transfers: Is your pension fund at risk of paying out too much?
During 2018, the Pensions Regulator has written to dozens of defined benefit scheme trustees regarding transfers out of their scheme.
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OpinionDo not be afraid to say no to weakening covenants in credit
As pension schemes look to derisk their portfolios, many choose to increase an allocation to credit. However, weakening protections in some markets mean a focus on the worst-case scenario may be necessary.
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OpinionIn defence of the tax relief status quo
From the blog: Few things in pensions are constant, but speculation over the future of tax relief on pension contributions never goes away.
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OpinionBridging the gap
Editorial: Auto-enrolment has certainly succeeded so far in helping more people save for retirement. But there is still a lot more to be done.
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OpinionThree big ideas for better member engagement
PLSA Annual Conference 2018: Never before in the history of pensions have so many saved so much by doing so little.
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OpinionWhat the pensions industry can do to reach technology utopia
According to author Douglas Adams, “technology is a word that describes something that doesn’t work yet”.
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OpinionMember focus key to in-sourcing success
Keeping members at the heart of everything we do is critical to the Pension Protection Fund’s success.