All The Investment and Saving Alliance articles
-
OpinionWe must make investing more open and inclusive for women
Auto-enrolment is expanding to capture more UK workers, but research from The Investing and Saving Alliance shows that the different needs of women get lost in translation into the language of investment savings.
-
OpinionImpact of the cost of living crisis on auto-enrolment
The announced government subsidy plan for energy prices will bring welcome relief for many. However, to put it into perspective, the government cap of circa £2,500 for an average household is still approximately double the price that it was at the start of this year.
-
NewsPensions dashboards standards need ‘extensive user testing’
Respondents to the pensions dashboards standards consultation have warned that user testing and experience will be required before a full assessment can be provided.
-
NewsGovernment urged to allow Nest to offer drawdown
The government has been told to amend legislation to allow Nest members to drawdown their pension pot, as well as extending investment pathways to trust-based schemes — requests made as part of a response to its call for evidence on savers’ understanding of their pensions.
-
NewsDashboards timeline and guidance barriers concern industry bodies
Two of the pensions industry’s largest organisations have caveated their broad support for the pensions dashboards project with concerns about timing, consistency and red tape surrounding financial advice.
-
NewsPensions industry fires back at Opperman criticism
Stalwarts of the pensions world have responded to pensions minister Guy Opperman’s suggestion that the industry lacks long-term vision.
-
NewsThe challenges facing trustees seeking net zero
More pension schemes are committing to net zero agendas than ever before, but reporting and analysing climate-related disclosure data is no easy task for trustees.
-
NewsTisa calls for pension decumulation policy reform
On the go: The Investing and Saving Alliance is calling on regulators and the government to reform pension decumulation policy that will impact four main areas.
-
NewsTrustees given transfer halt powers
On the go: Pension fund trustees will be able to halt suspicious transfers from November 30, following new powers from the Pensions Regulator.
-
NewsSmall pots mass consolidation poised for 2025-26
Mass-scale consolidation is set to be implemented in 2025-26, the Small Pots Cross-Industry Co-ordination Group has said, but industry experts have voiced concerns over the enormity of the task.
-
OpinionPension Awareness Week: It’s time to wake up the ‘sleepwalkers’
Auto-enrolment has been a big success to date. Since 2012, private sector participation has risen by 44 percentage points to 86 per cent of private sector eligible employees.
-
OpinionPolicy changes needed to avoid generations of pension inadequacy
Defined contribution pension schemes have taken over defined benefit plans as the main form of pension saving for the UK’s private sector.
-
News
Tisa backs AE pause for strapped low earners but no respite for employers
Analysis: Pensions policy experts are split over whether the government should begin to ramp up automatic enrolment contributions with an ‘opt-down’ for low earners, after recent calls to reform the landmark pensions policy.
-
News
Call for govt to abolish flat fees in workplace pensions
On the go: LCP is calling for an end to flat monthly fees being charged on defined contribution pots, arguing they can be “detrimental” to low-paid and part-time workers, although the government has previously stated it is not considering a ban.
-
Features
Cameron: Hold government to auto-enrolment promises
Steven Cameron is a pensions legend, having notched up an impressive 35 years in the industry. Despite this, his enthusiasm remains undimmed, and has the Aegon public affairs director taking a new role as chair of The Investing and Saving Alliance’s retirement policy council.
-
OpinionGuidance will have to replace advice for low earners
The impact of the Financial Conduct Authority's Retail Distribution Review and the Financial Advice Market Review means that for low earners with moderate pension pots and low levels of general savings, financial guidance is the most likely means of getting help in making informed decisions about how to manage their money.
-
OpinionWhat happened to the pension technology revolution?
Pensions Expert 20th Anniversary: Despite all the talk of artificial intelligence, robo-advice and real-time dashboards, the real-world online experience for most pension scheme members – if they have an online experience at all – is rudimentary at best.
-
OpinionOver-75s should benefit from tax relief
From the blog: Life expectancy is on the increase and with it people’s appetite for working longer. The range of flexible decumulation options is also growing.
-
News
FAMR recommendations seek to shore up guidance gap
HM Treasury and the Financial Conduct Authority have released a raft of recommendations in the bodies’ review of the financial advice market, but industry commentators have said “tighter and more ambitious timescales” are required to make the pensions dashboard a reality.
-
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.