All Opinion articles – Page 41
-
OpinionWe need to talk about PPF drift
The Pension Protection Fund, the lifeboat for failed defined benefit pension schemes, is facing a looming iceberg known as ‘PPF drift’. What is this phenomenon, and how do we tackle it?
-
OpinionThe challenges of passive ESG investment
The universe of passive and smart beta products with an environmental, social and governance-based dimension has expanded significantly over the past five years.
-
OpinionPLSA: Fund managers should disclose pay policies
Writing a consultation response can be a Herculean task – and never more so than in the case of the Financial Conduct Authority’s asset management market study, which spawns new consultations as old ones close.
-
OpinionPath to new savings culture needs change of direction
From the blog: In his recent article, ‘A pension system to support everyone’, pensions minister Guy Opperman highlights the impressive achievements of pensions auto-enrolment. It’s a huge success story for both government and the pensions industry.
-
Opinion
How to monitor the effectiveness of your trustee board
The launch of the Pensions Regulator’s 21 century trusteeship campaign marks a significant step forward in the level of and approach to the regulator’s engagement with pension schemes on governance and trusteeship.
-
OpinionWhat happened to the pension technology revolution?
Pensions Expert 20th Anniversary: Despite all the talk of artificial intelligence, robo-advice and real-time dashboards, the real-world online experience for most pension scheme members – if they have an online experience at all – is rudimentary at best.
-
OpinionReady for the next 20 years?
Pensions Expert 20th Anniversary: The future of pensions has never been less certain than it is today.
-
Opinion
Are the days of the lay trustee numbered?
Pensions Expert 20th Anniversary: For all that is made of the asymmetry of knowledge in the trust-based pension system, anecdotes abound of times when lay trustees have proved their worth.
-
OpinionWe can make pensions both affordable and adequate
Pensions Expert 20th Anniversary: Retirement – however you define it, and whether we talk about funding it or when it starts for people – has undergone some significant shifts in recent years.
-
OpinionBillions to go backwards – now how do we move forwards?
Pensions Expert 20th Anniversary: FTSE100 companies paid £150bn into their pension funds over the past decade, but unlike in 2007, their accounts showed a deficit.
-
Opinion
Why information is key – and government needs to plan for GenX
Pensions Expert 20th Anniversary: Two former editors look back at their tenure and reveal what they think the future will hold for pensions, members and the industry.
-
OpinionESG investment is here to stay
Pensions Expert 20th Anniversary: One of the biggest developments in pensions and investment over the past 20 years has been the rise of environmental, social and governance investing.
-
Opinion
Bin or bring in – which laws are needed and which have to go?
Pensions Expert 20th Anniversary: We asked five experts to nominate one law or regulation they would scrap, and another they would introduce. This is what they said.
-
OpinionIn need of repair
Editorial: News that the Work and Pensions Committee will scrutinise the effects of the pension freedoms cannot have surprised many.
-
OpinionWhat to look out for with sectionalisation
Trustees and employers might want to create a sectionalised scheme for a number of reasons, but should be aware there are some technical challenges involved in operating a sectionalised scheme and maintaining its status.
-
OpinionSidecars could hold key to short-term savings problem
It is amazing how a nudge in the right direction can have such a positive impact for millions of people. Thanks to auto-enrolment, more than 8m people are now saving for the first time, or saving more, for their retirement.
-
OpinionA spotlight on employer restructuring
A strong sponsoring employer is the best protection for defined benefit pension schemes, but in extreme circumstances, where an organisation faces a serious risk of insolvency, this support may no longer be available.
-
OpinionNew rules on profit-shifting could affect pensions
From the blog: As demands for companies to be more tax transparent have built momentum, international reforms are being formulated that could impact tax strategies and dramatically change sponsor covenant.
-
Opinion
Patient capital consultation met with industry scepticism
The government closes its consultation on financing growth in innovative firms this week as it looks to increase scheme investment in ‘patient capital’, but concerns persist over the suitability of this asset class for pension schemes.
-
OpinionWhy 'Alexa' could help solve the pensions crisis
Auto-enrolment has brought many more workers into pension schemes, but fundamental issues remain unaddressed. Many savers do not know what their pot is worth, or how much they need to save to have their desired lifestyle in retirement.