All Opinion articles – Page 48
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OpinionWhat we can learn from DC in the US
How are US benefit providers boosting member engagement? Mark Sullivan at Fidelity Investments Benefits Consulting explains how the UK can learn from communications and data techniques used across the pond.
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OpinionThe limitations of financial advice
Quantum Advisory’s Phil Farrell argues that apathetic members are unlikely to reach the retirement they desire, even with the help of regulated financial advice.
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OpinionBSPS sets useful example for DB endgame
Many defined benefit schemes will never reach full funding – we need to look at the alternatives now, argues Tim Middleton from the Pensions Management Institute.
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OpinionThe corporate view: Final salary, Care or DC?
Ruth Bamforth at Walker Morris looks at corporate attitudes to pensions and the many ways in which pension provision differs depending on sectors, affordability and regulation.
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OpinionA pensions system to support everyone
Having spent nearly three months as the minister for pensions and financial inclusion, I have been struck by how much we have recently achieved to help the public to think more smartly about retirement, but also the challenges we must face in improving our pensions saving system.
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OpinionThe pensions industry needs more innovators
Now Pensions’ Adrian Boulding says regulatory policy must allow the pensions industry to explore new products for accumulation and decumulation, focusing on the overall financial health of its customers.
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OpinionCheck for early warning signs of pension mistakes
From the blog: It’s the nightmare scenario: the Pensions Regulator is due to visit and everyone at the company is filled with dread. What’s worse, it turns out they were right to be concerned.
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OpinionIt’s time to rethink trustee standards
From the blog: The Pensions Regulator’s recent findings of large variations in trusteeship standards have thrown up questions about the governance of pension funds.
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OpinionWhich retirement option should your default strategy target?
Maria Nazarova-Doyle at JLT Employee Benefits explains why the default outcome should be seen as more than just a single option.
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OpinionThe societal shift hindering good pensions policy
The Society of Pension Professionals’ Hugh Nolan says politicians and the public are locked in an individualistic system that prejudices policy soundbites over sound policy.
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OpinionWhy do well-funded small schemes struggle to reach buyout?
Gillian Hickey from Trafalgar House explores the many hurdles preventing small schemes from finishing their derisking journey, and outlines a strategy to navigate them successfully.
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OpinionPractical steps for improving DC savings
LGIM’s Emma Douglas says clear member communication and helpful product design must be central to the industry’s efforts to help the DC generation tackle the savings challenge ahead of them.
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OpinionAre DGFs really diversified?
From the blog: Over the past five years, diversified growth funds have generally performed well. In fact, all three median DGF series compiled by Camradata met or exceeded their return targets from January 2012 through December 2016.
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OpinionPlastic Lamborghinis: The worrying FCA Retirement Outcomes Review
From the blog: The Financial Conduct Authority’s latest Retirement Outcomes Review presented some interesting statistics, particularly for those of us in the business of designing pre-retirement investment strategies.
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OpinionHave we finally got a handle on scams?
Phoenix Life’s Danny Dowd says government must lay the statutory framework to allow pensions providers to take a tougher stand on scammers, including an expanded cold-contact ban and revisiting of transfer rights.
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OpinionSPA increase could hurt under-saved Generation X
While some industries experience peaks and troughs of activity, the pensions industry seems to be in a near constant frenzied state, with the spotlight now falling on the state pension.
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OpinionIs your scheme closed in the way you think?
Significantly fewer than 1m lucky individuals were active members of private sector occupational defined benefit schemes in 2015, compared with almost 5m in 2000, according to figures from the Office for National Statistics.
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OpinionPractical steps to improve trustee diversity
To many people the adage ‘pale, male and stale’ will resonate in the context of pension scheme trustee boards, but diversity, in this setting, means more than simply altering the gender balance, writes Peter Askins.
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OpinionWhy people turn to equity release for retirement income
Analysis: Statistics show equity release is becoming more popular, but is it the right answer for property owners with inadequate pension provision?
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OpinionWhat to look for in an active manager
Rikhav Shah at EY looks at the active versus passive debate, and explains what trustees should seek in an active manager.