All Opinion articles – Page 42
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OpinionDashboard: Timing, compulsion and engagement are crucial
From the blog: People have, on average, 11 different pension pots over the course of their lifetime, making it a near-impossible task to keep track of them.
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OpinionHow negative cash flow will shape DB investments
From the blog: If there is one thing UK defined benefit schemes are not paying enough attention to, it’s cash flow. As many funds face the prospect of payments to retirees exceeding contribution income, this creates significant implications for investment strategies.
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OpinionAE review should silence doom-mongers
Standard Life’s Jamie Jenkins, a chair of the external advisory group of the automatic enrolment review 2017, says its package of proposed reforms will make meaningful changes to the savings landscape, while allowing time to monitor the success of contribution uplifts.
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OpinionMulti-asset credit: The moment of truth?
After years of disappointing performance, now could be the time for multi-asset credit, says Mathias Neidert from consultancy bfinance.
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Opinion
Industry is divided over Royal Mail's CDC proposal
Pressure is mounting on the Department for Work and Pensions to lay regulations for collective defined contribution, after mediation between Royal Mail and the Communication Workers Union recommended lobbying government to facilitate their creation of a CDC scheme.
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OpinionThe heat is on for a cold-calling ban
From the blog: Frank Field’s call for action on cold-calling has reminded us of the fact that despite industry and government agreeing that savers need to be protected from scammers, precisely nothing has happened.
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OpinionPension freedoms need added support for savers
We all enjoy having control over our financial future, writes Nest’s Gavin Perera-Betts, but introducing default retirement pathways could be the surprise present we need most this year.
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OpinionChallenging providers is key to boosting value
Questioning service providers, understanding member preferences and striving to ensure effective governance can all help to boost value, explains Legal & General Investment Management’s Emma Douglas.
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OpinionSupporting consumers and the industry
Following years of reform and bold new policy it is right that we now enter a period of stability and implementation, building on our success and consolidating support for consumers and the industry where it is needed.
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OpinionHow to get a good deal from your TPA
Pension schemes exist with the sole purpose of providing members with the right pension at the right time. The administration provider is key to fulfilling this purpose and ensuring a positive member experience, writes Dalriada’s Adrian Kennett.
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OpinionEnd retirement confusion with clear savings goal
People should be given a target for their retirement savings, says the Pensions and Lifetime Savings Association’s George Currie.
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OpinionLessons from abroad for averting a pensions crisis
From the blog: The idyllic view of retirees relaxing in comfortable surroundings at home or on holiday with apparently little financial worry is one often portrayed; but it is increasingly becoming an aspiration impossible to realise for the majority of people.
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OpinionAdd s67 rethink to the Christmas wishlist
An end to the negativity surrounding pensions may be a stretch too far, but SPP president Hugh Nolan hopes for a pleasant surprise from markets and an open mind on changing benefit structures for Christmas.
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Opinion
DC Debate Q4: Mastertrusts, AE and more
Six defined contribution specialists talk mastertrusts, compulsion, and what lessons can be learnt from DC systems around the world.
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OpinionEditorial: Club together?
Editorial: Collective defined contribution is getting another close look. And it probably will do until pure DC can prove it allows people to have a decent retirement.
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OpinionHow the PPF manages risk
The Pension Protection Fund’s Hans den Boer explains the pensions lifeboat’s approach to risk.
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Opinion
How we can cut DB transfer delays
In an increasingly consumer-driven age, the official regulatory standards for the end-to-end time allowed for a defined benefit to defined contribution transfer look positively glacial.
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OpinionWhy CDC is fair to all generations
From the blog: The Work and Pensions Committee’s inquiry into collective defined contribution has led to a welter of objections to the concept. Among these concerns, misconceptions abound. Some are even evident in the introduction to the inquiry offered by that committee.
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Opinion
DC Debate Q4: Multi-asset to ETFs – which vehicles work for DC?
Six defined contribution specialists discuss what risk means for DC investors, and whether the time is now for ETFs.
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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.