All Opinion articles – Page 50
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OpinionHard times? Brexit and your scheme
From the blog: The implications of Brexit are likely to affect almost every facet of the wider economy.
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Opinion
Does credit investment all come down to manager selection?
What made a successful credit investor over the past year? Does bottom-up analysis still matter in world shaped by macro events? Bestrustees’ Bob Hymas, PGIM’s Jonathan Butler, PTL’s Richard Butcher, Redington’s Greg Fedorenko and Willis Towers Watson’s Chris Redmond share their views in the final part of our fixed income roundtable.
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OpinionTransparency is not just about cost
Transparency is vital when it comes to ensuring value for money for customers. However, the industry needs to keep in mind that enhanced transparency will not lead to better member outcomes by overburdening trustees.
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OpinionForget about robos and chatbots – a bigger tech wave is breaking
Forget about robos and chatbots – these are just the froth on the crest of a much bigger wave of technology change sweeping through financial services.
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OpinionShould young people focus on pension saving?
Saving for retirement is a complex topic. But while retirement planning may not be the most exciting of subjects, it is crucial to our future wellbeing.
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OpinionIs it time to reframe the mastertrust debate?
From the blog: Mastertrust performance has come under increased scrutiny in recent months. Largely, this analysis has centred on the returns generated by trusts’ generic default funds.
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Opinion
Which types of credit generate the highest returns?
How have different credit types performed, and why should schemes tread carefully when it comes to direct lending? Bestrustees’ Bob Hymas, PGIM’s Jonathan Butler, PTL’s Richard Butcher, Redington’s Greg Fedorenko and Willis Towers Watson’s Chris Redmond share their views.
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OpinionWhat the Spring Budget had in store for pensions
One of the best things about the Spring 2017 Budget was the lack of major announcements about pensions.
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OpinionBuilding for retirement: Why we cannot rely on bricks and mortar
From the blog: With soaring house prices preventing more and more people from owning their own home, future generations may be less likely to be able to supplement their retirement income through property, meaning workplace pensions are becoming more important than ever.
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OpinionOpenness is the key to creating better solutions
This is an almost unprecedented time for the pensions industry as it faces fresh challenges and changes on an almost weekly basis.
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OpinionThe art of effecting change
Editorial: The Budget announcement brought changes welcomed and less welcomed by the industry, such as the tax on qualifying recognised overseas scheme transfers and the money purchase annual allowance, but it was the focus on the self-employed that might give a flavour of what is to come.
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Opinion
What role does credit play in a portfolio?
How can schemes of different sizes get the best exposure, and is the asset class liquid when it needs to be? Bestrustees’ Bob Hymas, PGIM’s Jonathan Butler, PTL’s Richard Butcher, Redington’s Greg Fedorenko and Willis Towers Watson’s Chris Redmond discuss credit investment.
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OpinionWhat effect will a cap on exit fees have on freedom and choice?
Freedom and choice has generated over 1.5m flexible payments totalling more than £9.2bn since April 2015. That sounds like a lot to me, even though there are 4m people aged over 55 who are eligible, so I doubt if many people have been inhibited by exit fees so far.
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OpinionData crunch: How are DC schemes adjusting to the freedoms?
Less than 10 per cent of defined contribution default options intend to be targeting annuities in 2019. But what our research also shows is that while schemes are increasingly targeting drawdown as an outcome for members, few are planning to offer this within their scheme.
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OpinionHow to protect your scheme when Article 50 is triggered
The triggering of Article 50 seems likely to happen by the end of March 2017, but will this near certainty bring an end to the uncertainty that pension scheme finances face?
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Opinion
DC Debate Q1 (part 1): Which investment strategies work for DC investors?
In the first DC Debate of 2017, eight defined contribution specialists discuss the pros and cons of illiquid assets, traditional indices and smart beta strategies.
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Opinion
DC Debate Q1 (part 2): How can the industry create value for savers?
In the first DC Debate of 2017, eight defined contribution specialists discuss the benefits of building a dashboard and look at the charge cap and whether the industry has come closer to defining value for money.
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Opinion
What to look for in the forthcoming IGC statements
Independent governance committee chairs are currently finalising their second chair’s annual statement and reports, so what lessons have IGCs learnt from the first round of statements and the approach taken by the Financial Conduct Authority to date?
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OpinionWhat to expect from Walker v Innospec
From the blog: On March 8 and 9, the Supreme Court will hear the case of Walker v Innospec. John Walker was a member of Innospec’s pension scheme until he left in 2003.
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OpinionWill M&As change in the post-BHS era?
The collapse of BHS saw another household name disappear from the high street. The headlines about pensioners having their pensions cut back caused a public and political outcry.