All Opinion articles – Page 55
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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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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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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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OpinionIs it time to reframe the master trust debate?
From the blog: Master trust performance has come under increased scrutiny in recent months. But it is time success or failure in this market was viewed in a different way.
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OpinionShould young people focus on pension saving?
Why should young people save for retirement and how can the industry help them? Jon Dadswell from Columbia Threadneedle has answers.
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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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OpinionHow to protect your scheme when Article 50 is triggered
Schemes should not be afraid to consider bold changes to funding and investments in the face of the UK’s exit from the EU being triggered, says Mercer’s Darren Masters.
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OpinionData crunch: How are DC schemes adjusting to the freedoms?
What proportion of defined contribution schemes still target annuities, and is in-scheme drawdown likely to increase? Magnus Spence from SpenceJohnson analyses the DC landscape.
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OpinionWhat effect will a cap on exit fees have on freedom and choice?
Spence & Partners’ Hugh Nolan takes a critical look at the 1 per cent early exit fee cap coming into force at the end of this month.
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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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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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OpinionLDI: How hedging strategies should be adapted for the cash flow era
How has liability-driven investment evolved recently, and how does it need to change to be fit for the future? Six experts discuss the issues and opportunities for LDI.
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OpinionWhy Nest is factoring in climate change
Nest’s Mark Fawcett explains why Nest has started investing members’ money in a new climate aware fund.
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OpinionWill M&As change in the post-BHS era?
Ruth Bamforth from Walker Morris explains what we can expect from current efforts to bring more companies planning mergers and acquisitions to go through the Pensions Regulator.
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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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Opinion
What to look for in the forthcoming IGC statements
What are independent governance committee reports likely to include this year? Jacqui Reid from law firm Sackers takes a look.
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OpinionWhat's in an index?
Editorial: The defined benefit green paper published this week has caused consternation in many parts of the pensions industry, which expected to see a more decisive take on the issues facing DB.
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Opinion
How can LDI be combined with cash flow delivery?
How should maturing pension schemes adapt their LDI strategies to meet increasing cash flow demands, and what solutions can help them navigate collateral issues? Axa Investment Managers’ Jonathan Crowther, Barnett Waddingham’s Sophia Heathcoat, Dalriada Trustees’ Simon Cohen, Hymans Robertson’s Alen Ong, Law Debenture’s David Felder and Standard Life Investments’ Mark Foster discuss.
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Opinion
Is it time for DC defaults to embrace ESG?
Large defined benefit funds and defined contribution mastertrusts have long been using their investments to engage with or divest from companies involved in controversial practices. Now, a renewed public focus on environmental, social and governance issues, as well as corporate reporting, could convince more to follow.