All Opinion articles – Page 52
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OpinionWe can't ignore the intergenerational dilemma
From the blog: What do judges and firefighters have in common? No, this is not the start of a joke.
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OpinionElephant in the room
Editorial: The topic of women, work and pensions remains a huge unresolved problem, as Patricia Hollis reminded the pensions community in her speech earlier this week.
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OpinionIndustry on right track with diversity initiatives, but further change is needed
Any other business: The need for greater diversity across the pensions and asset management industry is evident, so what progress has been made so far to improve the situation?
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Opinion
How has the debate on value for money developed?
Identifying value for money when choosing a holiday, a restaurant or a car is relatively straightforward – if the consumption is immediate.
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OpinionAre the select committee’s DB recommendations workable?
From the blog: The Work and Pension Committee’s DB report is exceptionally well written, but are any of its main recommendations actually workable?
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OpinionLGPS funds tackle a range of challenges head on
From the blog: More than half (56 per cent) of global public pension funds with assets under management of $10bn (£8bn) or more feel under pressure to cut costs.
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OpinionWhich investments can cash flow negative schemes turn to?
Defined benefit pension funds will face significant pressures in 2017, including market uncertainty and potentially increased volatility. An additional issue many funds will have to grapple with is how to manage their investments as the scheme matures.
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OpinionNo featherbed
Editorial: Happy Chinese new year! The year of the fire rooster has begun – the first of its kind in 60 years, so is there anything we can predict from looking at the last one?
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OpinionInvesting in a Trump era: Calm with risk of storm
We are still in the early days, but so far markets have taken a fairly optimistic stance toward the broad outlines of Donald Trump’s policies.
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OpinionData crunch: How big is the workplace DC market?
Eight years ago a client asked me how big the UK workplace defined contribution market is. The question was quite understandable. They were saying: “How big is this market? If I am going to invest to build products for it, I obviously need to know how big it is today.”
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OpinionIs liability-driven investment facing a backlash?
The prospect of hefty US fiscal stimulus has triggered talk of global reflation. The subsequent jump in government bond yields globally has prompted analysts to lift interest rate forecasts. But we are still in a structurally low interest rate environment.
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OpinionWhat earns you trust?
Editorial: Gloomy predictions led to a sliding pound ahead of Prime Minister Theresa May’s speech on Brexit last week, but instead her assertions meant that sterling rose, bringing some hope to currency markets (and those of us who are looking to travel this year).
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OpinionCourts, regulators and judicial reviews
From the blog: The threat of judicial review is ever-present for regulators, and this is as true in the pensions sphere as in any other. Inevitably those subject to regulation will be concerned to ensure that decisions made by their regulator are procedurally fair, proportionate, rational and consistent.
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OpinionHow the MiFID II policy statement will affect you
A survey last year found more than three-quarters (77 per cent) of pension schemes feel they do not necessarily have the operational infrastructure in place to accommodate change, such as the introduction of new or revised regulations.
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OpinionMastertrust regulation: The devil will be in the detail
From the blog: No one wants to be reading stories about pension scheme members suffering financial loss as a result of being enrolled into poorly managed mastertrusts. The new regulations for mastertrusts are therefore to be welcomed.
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OpinionTreading the line between guidance and advice
Pension schemes are by nature complex beasts. The concept is simple, but the breadth of options available and the regulatory framework we live under can make it difficult for scheme members to navigate.
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OpinionPPF: Act on levy rules now
The PPF levy is an important source of funding for the compensation we provide to members of schemes whose employer has failed.
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Opinion
What to look out for with age-based contribution structures
As defined contribution schemes are now often the sole pension scheme open to employees, DC scheme design, including the option of having age-related contributions, takes centre-stage. So what needs to be kept in mind to avoid age discrimination?
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OpinionDogs that bark… bite
Editorial: A total of £5,000 might not be an awful lot for companies, but if it means their reputation suffers, it could lead to much greater losses.
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OpinionIt is up to the industry to make auto-enrolment a success
2017 is set to be a big year for the defined contribtuion industry as auto-enrolment finally reaches SMEs and micro-employers. But we can’t afford to rest on our laurels.