All Defined contribution articles – Page 114
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Opinion
The end of pensions or the beginning of a new cycle?
Pensions have seen enormous change in the past three decades, but increasing longevity means it is time to rethink things once more, says the Pensions Management Institute’s Tim Middleton.
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OpinionThe other pensions problem
At some point in the last few years, pensions became a big news story. Updates on BHS, Tata steel and others fill airwaves and pages (including our own).
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News
More detail emerges on pensions dashboard
The working group charged with devising a pensions dashboard – a single destination where consumers will be able to view all their retirement savings pots – has released its view of what it should look like.
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News
Deluge of information stifles retirement choices
An excess of information on the pension freedoms risks poor outcomes for “procrastinating” defined contribution savers, experts have warned, meaning the industry must improve member communication and engagement.
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NewsShould you pay higher DC contributions to spur retirement?
Any Other Business: Lower employer contributions to defined contribution pension schemes can lead to “massive” challenges in paving the way for older workers to retire and injecting new blood into a business, experts have said.
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NewsState of the nation: What's going on in DC accumulation?
One of the spectres that hung over the announcement of freedom and choice in the 2014 Budget was the fear the proposition would be so attractive people would abandon their defined benefit schemes to make the most of the flexibility.
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News
Proposed early exit charge cap gets mixed response
The Financial Conduct Authority yesterday proposed capping exit charges at 1 per cent of pot value for existing contracts, while banning them altogether for future contracts.
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OpinionReconfiguring DC: The pensions dashboard
The Specialist: The pensions dashboard could be the upgrade the industry needs to take it into the digital age, but it is at risk of being just another expensive neglected technology project.
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News
Hidden charges weigh pension pots down
Pensions are being hit by more than 100 costs and charges, many of them hidden, which are potentially taking as much as a third off the gains of a pension over its lifetime, a study by the Transparency Task Force has found.
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OpinionDC investments have come a long way
Punter Southall’s Alan Morahan looks back at DC investments’ journey and where the future might take them.
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News
Select committee flags Lisa as AE opt-out concern
A recent report from the Work and Pensions Committee has raised concern that the Lifetime Isa could lure people out of pensions, but the industry is divided over whether Lisas are a threat or potential boon for auto-enrolment.
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News
Queen's speech promises mastertrust regulation
Long-anticipated mastertrust legislation was announced in the Queen's speech this week, providing protection for consumers and increased powers for the Pensions Regulator, but details are still sparse.
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News
DWP launches online tracing site as demand booms
The Department for Work and Pensions has launched a new website for the government's pension tracing service, as the number of people seeking their deferred pots has ballooned over the past decade.
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OpinionAchieving better outcomes – where should the burden lie?
Asset manager AB’s David Hutchins explains why providers and trustees should focus on value for money rather than mere cost savings.
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OpinionSave or suffer: How to futureproof the UK’s retirement plans
An increase in contribution levels is seen by many in the defined contribution space as necessary to ensure members have sufficient retirement income, but could there be another way to a more comfortable retirement?
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News
PPI calls for industry to judge charges holistically
Schemes should not put undue focus on charges when assessing value for money, the Pensions Policy Institute said last week, after research showed charge levels do not necessarily correlate with outcomes.
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NewsPensions unfair to younger generation, industry says
The current pension system is unfair to the younger generation, the majority of participants at a debate hosted by professional trustee company Law Debenture this week agreed.
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Features
What role does property play in retirement planning?
Analysis: The British population’s fixation on property ownership is one of our enduring national characteristics. But as property wealth grows, and pensions and investment income continues to falter, is home ownership becoming more intertwined with retirement saving?
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OpinionWhy we need to empower the next generation
Redington’s Rob Gardner says UK pensions policy needs to be decoupled from politics and a large-scale education programme put in place, to prevent the next generation facing financial hardship in old age.
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OpinionOur priorities and approach – an update from the Pensions Regulator
Lesley Titcomb reveals which issues top the regulator’s agenda over the next three years.