Latest articles from Sophia Imeson

CPS 'auto-protection' call reignites freedoms debate

Thinktank the Centre for Policy Studies has highlighted the need to shield savers from financial risks in later life through the idea of “auto-protection”, with the introduction of auto-drawdown, followed by auto-annuitisation at age 80. 

Face-to-face comms can sweeten 'unpalatable' news

With the world of pensions constantly changing, employers and trustees are investing more time, effort and resources into liaising with members, but face-to-face communication has been deemed particularly effective when it comes to bad news.

Lack of savings highlights importance of state pension

The number of women retiring without a pension has dropped, new research shows, but nearly 14 per cent of people have not made provisions for their retirement, highlighting the significance of the state pension for savers.

Leicester Uni scheme cuts risk with higher hedge

Following closure to future benefit accrual, trustees at the University of Leicester Pension and Assurance Scheme have decided to double its hedge, as experts emphasise the importance of keeping an eye on triggers and cash flow.

Pensions fail to convince savers but attitudes are expected to change

Fewer than half of people view workplace pensions as the most secure form of retirement savings, but experts have said attitudes towards saving for the future could change, driven by the current housing shortage, auto-enrolment developments and the demise of defined benefit pension funds.

Building for retirement: Why we cannot rely on bricks and mortar

Sophia Imeson

From the blog: With soaring house prices preventing more and more people from owning their own home, future generations may be less likely to be able to supplement their retirement income through property, meaning workplace pensions are becoming more important than ever.


Last month’s government housing white paper highlighted the fact that an average home now costs almost eight times the average earnings, and the additional demand for property investing is pushing prices up further.


Given that not enough homes are being built, this housing shortage is set to get worse.


Click here to read the full blog post

More pensioners to be offered Pie at Metal Box

Metal Box Pension Scheme

The Metal Box Pension Scheme is planning to offer a pension increase exchange to more pensioner members this year, having offered one to some members in 2015.

Keep it simple when exploring new strategies

PLSA Investment Conference 2017: While smart beta has been labelled a cost-effective option for schemes looking for higher returns than a market cap index, trustees turning to these types of strategy have been advised to keep things simple while focusing on governance and costs.

AE review: Tension between engagement and inertia comes to the fore

PLSA Investment Conference 2017: With the Department for Work and Pensions’ review of auto-enrolment underway, advisory groups are seeking views on engagement, contributions and coverage, but questions remain over the necessity of engagement and the pensions reality in other countries.

PLSA ‘superfunds’ solution gets lukewarm reception


The Pensions and Lifetime Savings Association is calling on the government to facilitate consolidation while creating a regulatory framework for the creation of superfunds, but the proposal has received a muted response.

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