All Decumulation articles – Page 3
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News
PLSA framework to help savers navigate ‘confusing’ freedoms
On the go: The Pensions and Lifetime Savings Association has proposed a new regulatory regime that will require schemes to support savers when making decisions about how to access their pensions.
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OpinionWhat we can learn from Chile’s pension system
Under the Pinochet dictatorship, Chile experienced a rapid and controversial series of economic reforms, which sought to create a purist free-market economy on the Chicago School model.
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Opinion
Drawdown is climbing the DC agenda — but there’s no easy fix
Data crunch: Broadridge’s Hal La Thangue on that as-yet unsolved problem of decumulation products suitable for the coming generations of retirees
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News
FCA launches investigation into decumulation advice
On the go: The Financial Conduct Authority will carry out an investigation into the suitability of pension decumulation advice.
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News
FCA delays investment pathways for 6 months
On the go: The Financial Conduct Authority is delaying the introduction of investment pathways in drawdown for six months, as it cuts non-critical work amid the coronavirus pandemic.
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News
Renewed calls for govt to set up pensions commission
On the go: Two think tanks are calling for the government to set up a new pensions commission, after it found cross-party support for such an initiative.
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News
DC trustees eye master trusts for decumulation options
Data crunch: Trustee reluctance to offer in-house drawdown means single-employer defined contribution schemes may look to partner with a master trust to offer decumulation products to members, new analysis shows.
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OpinionPASA outlines five pillars of DC administration governance
Defined contribution administration governance is an often overlooked area, but anyone involved in DC should understand the five key elements of administration and how they impact their role, writes PASA’s Gary Evans.
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OpinionMistakes of annuity regime are being repeated
From the blog: The willingness of government and regulators to take a pragmatic approach to so-called pensions freedom will be tested over the next few weeks.
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OpinionDashboard and AE improvements can cement Opperman’s legacy
It has been a busy first year for Guy Opperman, with some significant steps forward for auto-enrolment announced in last year’s review, the adoption of much-needed mastertrust and bulk transfers regulation, and the smooth roll-out of minimum contribution increases.
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OpinionCarillion's post-mortem
It is not unusual for Work and Pensions Committee chair Frank Field to show off an impressive vocabulary when launching a salvo against political and personal foes. But even by his standards, the imagery used to put to bed the failed outsourcer Carillion has taken a turn for the macabre.
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OpinionPLSA: Signpost savers towards default pathways
Default decumulation options are needed and can work with freedom and choice, says the Pensions and Lifetime Savings Association’s George Currie.
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OpinionThe freedom not to choose
Editorial: Default options for would-be retirees are the industry’s new darling, as poor support for savers at retirement still blights the UK pension system.
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Features
Pearson follows pack in targeting drawdown for DC defaults
The Pearson Pension Plan is introducing two new lifestyle options for its defined contribution members as they approach retirement, responding to a perceived demand for greater flexibility.
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News
Default drawdown tops select committee's at-retirement wishlist
Providers of drawdown products should be required to develop charge-capped default products to help disengaged savers make their pension last, the Work and Pensions Committee has recommended.
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OpinionHow the retirement income market is evolving
The Financial Conduct Authority’s Mary Starks says cooperation between industry, government and regulators is needed to make the freedoms work for consumers.
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OpinionDon't end default at AE
Editorial: Another prominent industry figure has advocated introducing a default option at retirement this week, after last week’s informed comment piece was written with the same in mind.
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OpinionThe pensions industry needs more innovators
Now Pensions’ Adrian Boulding says regulatory policy must allow the pensions industry to explore new products for accumulation and decumulation, focusing on the overall financial health of its customers.
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News
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.
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NewsEarly exit charge cap attracts criticism and praise
Both the government and the Financial Conduct Authority have confirmed plans to introduce caps on early exit pension charges, but authorities should take care not to actively encourage early decumulation, experts say.
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