All Opinion articles – Page 57
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Opinion
How has fiduciary management changed in the past year?
Which areas of the market is fiduciary management moving towards, and how is it defined? Six experts discuss what has happened in the fiduciary arena in the past year.
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OpinionThere is no such thing as passive
“It sounds like they’re saying passive life is good, he thought. But there is no such thing as passive life. That’s a contradiction.” Philip K Dick, A Scanner Darkly
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OpinionHow to invest in fixed income in the current environment
The environment for fixed income investors is complicated. For pension funds aiming to provide sustainable retirement income for their members, it presents several challenges.
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OpinionWhat to look for in a mastertrust
From the blog: It’s an important time for retirement savings. The introduction of freedom and choice has brought with it references to a ‘brave new world’ for pensions and the ‘biggest pensions shake-up for a generation’.
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OpinionThe cost of freedom and choice
From the blog: The introduction of the freedom and choice reforms last year has boosted taxation and aggregate demand. But some retirees might now outlive their pension pots, risking penury.
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OpinionLock the door on hackers
Editorial: Would you leave your front door open when you go out? Not if you can help it. Online, it happens a lot.
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OpinionWhat to expect from the forthcoming pensions bill
Since the Pensions Act 2004 there have been six acts of parliament dealing with pensions policy – and this does not include the various finance acts that have changed the pensions tax regime.
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Opinion
What you need to know before seeking a buyout or buy-in
Trustees looking to carry out derisking exercises should decide early on whether to seek a buy-in, where a bulk annuity policy is held as a scheme asset, or buyout, where annuities are bought for individual members.
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Opinion
Active management of passive funds – a viable strategy for DC?
Since the introduction of freedom and choice, value for money has been high on the agenda for defined contribution schemes. As trustees try to keep on top of costs, could an active asset allocation approach work for schemes with underlying passive funds?
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OpinionPLSA: RQM guides savers to quality at-retirement products
Knowing how to differentiate between the good and the not-so-good can be difficult. With so much conflicting information out there about every aspect of life, even knowing what cooking oil to buy can be a stressful decision.
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OpinionNext stop: Retirement
Editorial: Thursday’s Pension Awareness Day has demonstrated that pensions needn’t be boring. The campaign created by communications consultancy Pension Geeks to raise public awareness about retirement planning and old age income is refreshingly grassroots-orientated and hands-on.
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OpinionHow to take some of the worry out of market volatility
Large falls in financial markets have the potential to seriously knock the confidence of defined contribution savers. A 2014 DC member survey, for example, underlined a troubling degree of aversion to sudden falls in pension savings.
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Opinion
All aboard the pensions bus
From the blog: This week a double decker bus is cruising down the country with one objective: to drive engagement with retirement saving. As Pension Awareness Day arrives, there is even more focus on making long-term saving more interesting.
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OpinionBehind the scenes at the PPF
In the past six months there has been a great deal of attention on pensions, particularly focused on issues such as BHS and scheme deficits. Meanwhile, the Pension Protection Fund has been hard at work behind the scenes to ensure our members receive consistent, high-quality customer service.
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OpinionIRM: Nouvelle cuisine or sing a song of sixpence?
Integrated risk management is a tool that was designed to help trustees identify and manage the factors that influence the prospects of a pension scheme meeting its objectives.
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OpinionTime to address the next savings hurdle
From the blog: Heralded as a "tremendous success" by the Work and Pensions Committee in its May report, it’s true that auto-enrolment has opened up retirement saving.
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OpinionJust an aside
This week's article about the Northern Ireland Local Government Officers' Superannuation Committee focuses on lowering risk, but also delves into the environmental, social and governance factors that played a role in Nilgosc's decision-making.
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OpinionWhat we can learn from the success of Team GB
Great Britain’s record-breaking Olympians have arrived back from Brazil as heroes. The dramatic moments of sporting success in Rio will live long in our memories.
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OpinionNegative yields raise fundamental questions
From the blog: Severe defined benefit pension funding shortfalls have been made worse by the significant post-Brexit fall in yields, and there are renewed concerns over whether pension trustees are using the full range of weapons in their arsenal to plug the gaps.
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OpinionFCA has fundamental part to play in regulating workplace pensions
Workplace defined contribution pension schemes are a key part of the reward and benefits package. Generally employers and trustees are aware of the requirements and standards published by, among others, the Pensions Regulator.