All articles by Rob Gardner
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OpinionTwo ways to help secure member outcomes
The quality of investment governance is key for member outcomes. Return generation, risk management and stakeholder relations can all be affected.
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OpinionWhy 'Alexa' could help solve the pensions crisis
Auto-enrolment has brought many more workers into pension schemes, but fundamental issues remain unaddressed. Many savers do not know what their pot is worth, or how much they need to save to have their desired lifestyle in retirement.
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OpinionWhy every investor needs to consider climate change
Consultancies should always try to understand how future disruptive trends may impact their business and clients, both positively and negatively.
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OpinionWhy ESG is more than 'nice to have'
Environmental, social and governance investing has boomed in popularity in recent years, driven by a new breed of socially aware investors, who are keen to hold companies they invest in to account.
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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.
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OpinionEmpower DC savers to shape a better future
Last weekend, I watched National Geographic’s new documentary ‘Before the Flood’, in which Leonardo Di Caprio explores the topic of climate change: what is causing it, its impact on the planet, and what must be done to prevent it.
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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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OpinionBrexit makes intergenerational equality a top priority
We have just witnessed an era-defining moment in UK and European geopolitics. There are many ramifications of Brexit, but for me one of the most interesting aspects of the result was the profound intergenerational divide.
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OpinionWhy we need to empower the next generation
In Wales and the north, steelworkers are fighting for their pensions. But in the future, Britain’s hard-working young people may not even have pensions worth fighting for.
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OpinionVolatile, uncertain, complex and ambiguous
Talking Head: The passage of time shows the folly of human speculation – ask any unhedged defined benefit pension fund that has been hoping for rising yields to repair its deficit.
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OpinionRob Gardner: Three Christmas wishes…
Talking Head: Facebook chief executive Mark Zuckerberg did two remarkable things last week. Not only did he pledge a staggering amount of money to humanity, he also communicated an inspiring manifesto for the future via a letter to his newborn daughter.
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OpinionCollective response to an unprecedented problem
Talking Head: This week’s National Association of Pension Funds conference was a great opportunity for debate, the central question being: Can we use the energy of discussion to power a collective response to an unprecedented pensions crisis?
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OpinionReshaping DB: Why we can't afford to repeat the mistakes of the past
Talking Head:In 2005 pension funds produced their first recovery plans for the newly formed Pensions Regulator.
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OpinionA five-point plan for a healthier financial future
In my last column, I wrote about the challenge for the new pensions minister in balancing short-term political expediency with truly progressive pensions policy.
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OpinionLegislating for change
Talking Head: The election rhetoric is over. Now the newly formed Conservative government will have to balance the weight of public expectation with the reality of political compromise.
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OpinionGardner: How to achieve financial security in retirement
Talking Head: We live in an era of extraordinary and unprecedented change.
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Opinion
Six ways to rethink your derisking plan in a volatile world
Around 40 years ago we experienced the 1970s oil shock, with rising oil prices, rising inflation and rising interest rates.
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Opinion
Rapidly shrinking yields leave investors needing more complex mandates
Six years ago, at the start of the global financial crisis, it was simple to find attractive yields in fixed income.
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Opinion
Taking a break from your investment worries
To paraphrase a famous theme tune, making your way in the pensions world today takes almost everything you've got, and taking a break from all your worries sure would help a lot.
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Opinion
Gardner: How to win by not losing
Many pension funds have seen their assets perform well over the past three years, benefiting from rising values across financial markets in almost all asset classes.