All Opinion articles – Page 9
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OpinionValue for money consultation is a welcome start to 2023
After going through a series of shocks from political changes in the UK, the pensions industry now has some very welcome political developments to address in the months ahead, thanks to pensions minister Laura Trott.
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OpinionBPA market poised to take off in 2023
The pensions universe looks very different in 2023 to a year ago, especially with regards to the derisking market.
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Opinion2021 transfer regulations: some problems and solutions
Fifteen months ago, the ‘new’ restrictions on pension transfers came into effect. Since then, the industry has struggled with red flags, amber flags, ‘incentives’ and ‘safe lists’.
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OpinionGetting to grips with TPR’s new single code
The Pensions Regulator’s new single code of practice is expected to be implemented early this year. Part of this will be the new effective system of governance – the policies, procedures and internal controls a scheme should have in place in order to operate effectively.
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OpinionTurbulent weather ahead for DB schemes
We live in a world right now that seems fraught with risks.
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OpinionGovernment disappoints in auto-enrolment inquiry responses
We have learnt a great deal from the government’s response to the Work and Pensions Committee’s report from July 2022 on saving for later life, under its inquiry on protecting pension savers — five years on from the pension freedoms.
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OpinionWe need to teach people about money, not just maths
The prime minister’s pledge to extend numeracy education in schools must address the national shortfall in financial literacy that currently gets in the way of many people saving adequately for retirement.
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OpinionAdapting solutions to member needs in today’s world
The pensions landscape has changed rapidly over the past decade. Populations, wealth and technological advancements have all ballooned, with a huge impact on the pensions industry.
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OpinionLDI turbulence – the case for independent oversight
In times of crisis, pension funds’ investment strategies are put to the test – and 2022 has hardly been short of crises.
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OpinionMember engagement is good, but inertia is better
Happy 10th birthday to you, auto-enrolment! Congratulations! Where has the time gone? We are all agreed that you have been a huge success – a game-changer. More people are saving more for their retirements and that has got to be a good thing.
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OpinionInclusivity – the forgotten ‘I’ in ED&I for trustees
Equality, diversity and inclusion – another three-letter acronym with growing impetus, and rightly so.
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OpinionPDP elves deliver a dashboards consultation for Christmas
As we approach the end of 2022, it has been another momentous year for pensions dashboards. It is an initiative that we have been discussing for what seems like an age.
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OpinionOvercharged, over-litigious and over here: class actions in UK pensions
The possibility of US-style class actions hitting the UK pensions scene has long been talked about, but this phenomenon has yet to materialise. Legal, market and social developments may yet change that.
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OpinionStaying O:pen to diversity and inclusion
Whatever your role in pensions, given the couple of months that we have just collectively experienced in the UK you might be forgiven for not having diversity and inclusion at the top of your agenda.
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OpinionWhy shareholder litigation is not just about restitution of losses
The role that asset owners and managers play as effective stewards of capital has come under increasing scrutiny over the past decade. However, despite this spotlight, we believe there is an aspect of effective stewardship that has continued to be misjudged by the industry.
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OpinionThe outlook for credit remains strong
It has been an extraordinary few months in UK politics, and a worrying time for some of the country’s largest investors.
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OpinionHow to apply for dashboards staging deadline deferral
With the legal framework expected to come into force in December, the countdown has begun for connecting to the pension dashboards.
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OpinionHow data is transforming the insurance and pensions sector
Insurance is an industry undergoing a period of evolution.
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OpinionWe need to shift outdated dialogue to increase member value
Despite all the evidence to support changing member needs and growing risk within the way we operate, why does the pensions industry’s historical approach to delivering member value remain dominant?
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OpinionRetirement outcomes: The buck stops where?
Employers, scheme trustees and product providers are not directly responsible for the decisions people make once they access their pension pot, but the direction of travel is clear.