All Opinion articles – Page 39
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OpinionCarillion is a covenant warning
From the blog: The Pensions Regulator’s assertion that “the strength of the employer covenant can change materially over a short period of time” has once again been proved correct by the case of Carillion.
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OpinionBudget headwinds mean pension funds must be nimble
In his Spring Budget of 2017, the Chancellor of the Exchequer Philip Hammond used the word pension no less than 32 times. In the Autumn Budget last week, he used the same word only twice (and once was to give David Gauke his full title).
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OpinionWanted: Long-term investors
Editorial: The chancellor’s Autumn Budget provided a gloomy prediction of an economy bruised by Brexit, and aimed to set out an industrial strategy to get the UK back on track – with the help of pension fund money.
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Opinion
Editor's picks: What you need to know about patient capital
Autumn Budget 2017: On Wednesday, chancellor Philip Hammond said innovative high-growth firms should get investment from pension funds, raising questions over appetite and feasibility. Three articles from the past year look at the issues at stake.
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OpinionData Crunch: Retail and institutional – two very different investment worlds
Asset managers make a distinction between clients by calling some institutional and some retail. We all know this; what is less well-known is how different these two worlds are.
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OpinionTwo ways to help secure member outcomes
The quality of investment governance is key for member outcomes. Return generation, risk management and stakeholder relations can all be affected.
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OpinionWhere is the pensions ice bucket challenge?
Auto-enrolment is a success. Opt-out rates are low, and the number of defined contribution savers and assets are growing rapidly. But will this initial success disappoint in the long run?
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OpinionA cold call ban is not the most effective scams measure
In August, the government's long-awaited response to last December's pension scams consultation came out.
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OpinionCan we afford for members not to be engaged?
From the blog: Steve Webb recently argued that changing how people make choices is the “one thing” that has reversed the fall in membership of workplace pensions.
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OpinionAn age-old problem
Editorial: There is currently an advert on some trains that promotes a privacy filter for computer screens. Unfortunately such devices are yet to be invented for phones.
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OpinionEmployers must review pensions and rewards
It is more than five years now since auto-enrolment has come into effect, and while many employers believe that this innovation is just an additional tax on business, I have been interested to find out what employees actually think about auto-enrolment and pensions in general.
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OpinionThe chair’s statement is not just a tick-box exercise
To protect pension savers we are being clearer with trustees about the standards of scheme governance we expect.
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OpinionOvercoming behavioural biases in retirement saving
Given that people do not like being told what to do, especially with their own money, it is little wonder that traditional prescriptive measures to get the nation saving for retirement simply have not worked.
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OpinionMastertrust consolidation – at what cost?
There is currently a great deal of emphasis on the consolidation of mastertrusts in the market. Perhaps there has not been enough on how this can be achieved in an orderly way, leading to a positive outcome for all.
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OpinionWhen bigger is better
Editorial: When it comes to ensuring value for defined contribution members, bigger may often be better.
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OpinionHow to offer real freedom and choice
Freedom and choice is currently under scrutiny. The intent of the policy is not in dispute – giving people more access, flexibility and control over their own money has got to be the right thing.
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OpinionWhen mentoring matters
Any Other Business: Mentoring is fast becoming a must-have in any HR toolbox, but care is needed to avoid leaving mentee and mentor disappointed.
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OpinionCounting the pension cost
From the blog: Many investors, like most people, do not really understand pensions. While there is now a lot of pension information in financial statements, unless you happen to be sitting next to an actuary it can be a bit of a blur.
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OpinionRecovering from a data breach
New laws on data protection come into force in the UK on May 25 2018, and will raise the bar on how pension scheme trustees manage their data.
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OpinionDB white paper must refocus system on providing benefits
The Department for Work and Pensions is due to publish its white paper on the future of defined benefit pension schemes this winter.