All Opinion articles – Page 35
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OpinionWhat technology means for pensions
A lot has changed since the then economic secretary to the Treasury, Harriet Baldwin, last wrote for Pensions Expert in 2016.
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Opinion
Keeping the grass greener
Climate change is not just damaging the planet, it could also have a detrimental effect on our members’ investments. This is because as we move towards a low carbon economy, companies that do not adapt are likely to fall in value.
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OpinionPutting the USS closure debate into perspective
Pensions in the UK are often divided between the haves and the have-nots.
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OpinionHow demand for multi-asset strategies is changing
For many years now we have seen growth in a new type of multi-asset in the UK and elsewhere in Europe.
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OpinionCDC: Two birds in the bush
Editorial: The fight for defined benefit accrual is coming to a head at universities after employers showed their hand early in the dispute over pensions.
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OpinionPutting a value on your future
Anybody buying a new car or booking a holiday usually likes to spend some time to ensure they get the best value for their money.
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OpinionHow to oversee a fiduciary manager for your scheme
Trustee take-up of fiduciary management services has risen sharply over the past 10 years or so, in response to ever-increasing complexity in the world of investments.
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OpinionHow can employers, providers and trustees work together to ensure good governance?
Rosemary Lemon from Hays, Caroline Roberts from Visit Britain, Nasir Rafiq from Islamic Relief Worldwide, Mark Rowlands from Nest, Ami Bartrip from the Financial Times, Jason Green from Finance & Technology Research Centre and, Andy Cheseldine from Capital Cranfield, discuss the importance of governance in delivering good member outcomes.
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OpinionLearning the lessons of Carillion
The industry is once again watching with interest and some discomfort as Frank Field and the select committee conduct their inquiry on Carillion’s failure and the impact on its pension schemes.
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OpinionWhat the EU’s money laundering directive means for schemes
From the blog: New money laundering regulations came into force in June 2017, implementing the EU’s Fourth Money Laundering Directive and replacing the Money Laundering Regulations 2007.
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Opinion
Trustees must delve deeper to provide value for members
Millennials will be the first generation to benefit from auto-enrolment and may even have a £1m pot to enjoy in retirement, according to the Pensions Policy Institute.
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OpinionESG is a growth strategy
Editorial: Applying environmental, social and governance factors to investment is no longer the obscure practice of a handful of believers.
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OpinionAvoid rear-view mirror driving
From the blog: A lot of schemes use funding level triggers as part of a derisking journey. Once a certain funding level is met then you derisk by disinvesting from growth assets to add to the matching assets. This reduces the level of risk of the investment strategy but also reduces the expected returns.
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OpinionCost disclosure is only valuable if you know how to use it
Bond and equity returns over the past 30 years have exceeded long-term averages and are widely regarded as unsustainable. As investment costs take a bigger slice of the return ‘cake’ when returns are low, it is unsurprising that investor attention is turning to cost.
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OpinionFinancial and social returns can be easy bedfellows – if the will is there
Social investment is not new, it has a long and proud history. However, it is far from common in pension schemes.
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Opinion
Making retirement personal
Five years have passed since the UK’s largest employers went through auto-enrolment. A number are starting to review the decisions they made and some are considering if those choices are still giving their employees the best possible outcomes at retirement.
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OpinionIs this the first step towards a single regulator?
The guardians of the pensions gates, the Financial Conduct Authority and the Pensions Regulator, are creating a new regulatory strategy that will lay out how the two bodies plan to work together to tackle key risks facing the pensions industry.
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OpinionIs it too late for CDC?
There appears to be a surprisingly high number of idealists working in pensions these days.
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OpinionThe pensions industry risks betraying Generation X
The intergenerational contract, the long-held view that any generation will and should be better off than the one that preceded it, is broken.
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Opinion
Pensions industry still behind on gender pay gap
Analysis: The pensions industry is slowly publishing its gender pay gap data, and it does not make for pleasant reading.