All Annuities articles – Page 10
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OpinionEditorial: Pensions fortune-telling
A hot topic of conversation last week was Channel 4’s Dispatches programme on the impact of the imminent pension freedoms, as the government launched its Pension Wise guidance service.
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News
How DC savers feel about their retirement options
Most over-55s would prefer a secure guaranteed income for life over all other retirement options, a survey has found, prompting calls for the government’s guidance guarantee to cater to this preference.
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Opinion
Five objectives and five risks for DC
Before the 2014 Budget, investment objectives for defined contribution schemes were relatively straightforward.
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News
Secondhand annuities could offer DB funds income, but pricing tricky
The pensions minister’s proposal to allow retirees to cash in annuities could suit defined benefit schemes eager to access the resultant long-term cash flows, but pricing “secondhand” annuities could be a sticking point.
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News
Nest, M&S and Kingfisher in 2014's top post-Budget case studies
The chancellor's 2014 Budget in March sparked off a year of almost unprecedented change in pensions, seeing an immediate response from some employers on providing retirement flexibility.
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NewsM&S weighs drawdown option for mastertrust members
Retailer Marks & Spencer is exploring offering drawdown to its defined contribution scheme members, as the industry readies itself for April's retirement flexibilities in a tough market for annuities.
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Opinion
Why the FCA's piecemeal action could push people back towards annuities
Will the Financial Conduct Authority's investigation of the annuities market never end? Even today's market study, and accompanying review of sales practices, will preface further work – by providers this time.
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Opinion
How the Autumn Statement will affect your scheme (not hugely)
Today's statement from chancellor George Osborne was like a cold flannel to the forehead of the pensions industry, compared with the madness of March. That the taxation of dependants' pensions was a central talking point is probably telling.
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News
Schemes face dilemma on annuity brokering services ahead of April
Employers that have put in place annuity brokering services for their defined contribution scheme members have been called upon to rip up or review these set-ups to make sure they are giving savers an adequate view of the market.
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News
Aussie lessons for your scheme's post-Budget strategy
NAPF Annual Conference 2014: The Association of Superannuation Funds of Australia has called upon UK schemes and providers to ensure the minimum advice they provide equips members to make well-informed decisions with their new retirement flexibilities.
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Opinion
How to use your DGF in a post-Budget environment
Kevin Frisby from LCP, JLT Investment Consulting's Allan Lindsay, Axa IM's Yoram Lustig, HR Trustees' Giles Payne, Aon Hewitt's Ryan Taylor and Bruce White of LGIM discuss how schemes can invest in DGFs in the post-Budget environment, in the final instalment of a four-part panel discussion.
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OpinionEditorial: Don't spend it all at once
The debate rumbles on. Will the annuity make the best comeback since Lazarus? What should we make of this grand shove into drawdown?
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News
TPAS: 'Joined-up' guidance guarantee essential
The Pensions Advisory Service has said those organisations tasked with delivering the guidance guarantee should be “joined up” with the adviser community to improve member outcomes.
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Opinion
The break between state and private pensions is complete
Talking head: Jargonfree Benefits’ Steve Bee explains why the most recent round of reforms to the UK’s pensions system is a pivotal step on a momentous journey.
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Opinion
How to educate DC members on retirement 2.0
It is a sad truth that engaging members with their retirement savings has been a difficult and largely fruitless endeavour for trustees, employers and providers alike.
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OpinionEditorial: Longevity, BT, and our print break
Longevity risk has been on everyone’s mind since telecoms giant BT announced a behemoth deal to hedge 25 per cent of its total exposure to longevity improvements.
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Features
How JPMorgan and RBS give DC members retirement flexibility
JPMorgan and Royal Bank of Scotland are working to offer members of their defined contribution schemes flexibility in how they access their retirement savings, in light of the Budget reforms.
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Opinion
Bee: Why I was pleased and horrified by the Budget changes
Talking head: Steve Bee argues the pensions changes announced in the Budget, while welcome, prove the pensions system is “very fragile”, while collective pensions make it even more complex for ordinary people.
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News
Industry calls for better DC risk guidance to hit target outcomes
Industry figures have called for better guidance for defined contribution members to help them choose the appropriate level of risk pre-retirement to achieve their target outcomes.
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Opinion
How to predict member outcomes in the post-Budget world
The 2014 Budget gave pensions savers and plans considerable new flexibility in arranging their retirement incomes.