All Retirement articles – Page 20
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NewsLooser regulation needed as over-65s shun advice
Looser rules about financial advice could be necessary, as research shows more than half of over-65s have never sought regulated advice.
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OpinionIll-health pensions – What you need to know
The award of ill-health early retirement pensions can be a challenging and emotive subject for members and decision-makers alike, so it is no surprise that a substantial number of member complaints relate to ill-health pensions.
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News
Retirement expectations at odds with reality
Analysis: People retiring in 2016 expect a retirement income of £17,700 a year, new research has shown, but industry experts have questioned how this figure will be maintained as the decline of defined benefit provision accelerates.
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News
NI government offers early retirement to teachers aged 55+
The Department of Education in Northern Ireland has approved a £33.1m scheme offering premature retirement terms to members over 55 years old to make space for new hires in the workforce.
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Opinion
Sometimes it's hard to be a woman – 3 takeaways from the latest data
I’m sure Tammy Wynette didn’t have pensions in mind when she sang these lyrics in that classic country dirge.
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News
Annuity demand expected to resurge
Annuity sales will increase from this year despite the new pension flexibilities, as retirees recognise their need for a level of certainty in retirement, new research has suggested.
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Opinion
Aligning admin systems in the pre and post-retirement worlds
There is a guiding principle to post-retirement investment strategy that simply states, ‘Do not run out of money’, but there are some hurdles to jump in order to meet liabilities.
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OpinionSafe as houses?
Editorial: How individuals assess risk and reward is extremely complex. Data from the Office for National Statistics this week showed people would prefer to take a punt on property over pensions to deliver a retirement income.
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News
Northumbria Police pays out £250k to compensate pension loss
Trustees should keep their distance from members' employer disputes, lawyers have said, after Northumbria Police was required to pay out more than £250,000 for discrimination and pension loss, but others argue open communication is critical.
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News
UK plc: Engagement is key to get more DC bang for employer buck
Data Analysis: Employee engagement with pension schemes is topping the agenda for businesses, with many saying the freedom and choice reforms have improved schemes' ability to generate good retirement incomes.
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OpinionCould you help your higher earners save more tax-efficiently?
At the 2015 summer Budget the lure of raiding the £50bn pension tax honeypot proved too much for chancellor George Osborne to resist and so, for the fourth time since 2010, some individuals are faced with disruption to their long-term retirement planning.
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NewsCourt rules same-sex pension benefit ceiling to remain
News Analysis: Schemes dodged a potential £3bn cost hike this week, as the legal position on the equalisation of pension benefits for same-sex partners withstood further challenge in the courts.
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Opinion
Freedom for all: Why DB should have access to pension flexibility
Pension freedoms were announced with great fanfare in the chancellor’s autumn statement in 2014 and came into effect in April 2015.
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OpinionHow to build flexibility into your DC scheme
Trustees of defined contribution schemes have a number of obstacles to overcome before they can fully embrace the pension freedoms that came into force in April.
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News
Cash leads the way on freedoms but further flux predicted
More than half of the £2.5bn withdrawn by pension savers in the three months since April has been paid out in cash lump sums, but experts predict consumers will shift their focus towards more sophisticated products.
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News
Invensys extends Pie to pensioners
Invensys Pension Scheme is expanding its pension increase exchange offering to retired members, as the company plans a bulk exercise for dependants and pensioners.
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OpinionTreasury: Building on the success of the freedoms
Talking Head: Just over five months ago the government introduced the most far-reaching changes to how defined contribution pension savings could be accessed in nearly a century.
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OpinionInnovation in a world of freedom and choice
Pension freedoms disrupted the industry, opening the door to innovation for those who see these reforms as an opportunity to do something different.
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Opinion
The other glass ceiling: how women are being left behind on pensions
From the blog: Alongside concerns that women comprise a large but undervalued section of the workforce, a growing body of research warns they also risk getting a bad deal at retirement.
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NewsThe future of DC? Nest unveils retirement blueprint
Government-backed mastertrust Nest has outlined its plan for providing members with an income in retirement, but experts have said the proposals’ application to today’s defined contribution market is limited.