All Defined contribution articles – Page 142
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Features
Employers ensure AMD ban does not drive up active member fees
Employers have managed to keep active scheme member fees steady while scrapping higher charges for deferred members, after one provider agreed to swallow the cost of next year’s ban.
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Opinion
Auto-annuity purchase is dead – here’s how providers will respond
Guest column: Pensions expert Ros Altmann picks out some of the products that will benefit from the Budget’s assault on the entrenched annuity market.
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News
Missed payments case reveals AE compliance lessons for SMEs
The Pensions Regulator has directed an employer to stump up £143,000 in contributions left unpaid due to payroll errors, with industry experts predicting bad press could have a positive impact on smaller employers with their own auto-enrolment problems.
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News
Greater DC flex forecasted to raise member savings
Increased at-retirement flexibility for defined contribution members introduced by the Budget may lead to higher member contributions, experts have predicted, which could put pressure on some employers’ pension structures.
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News
The Cut: What reporting changes could mean for your scheme's financial statements
Today the Pensions Research Accountants Group released a statement of recommended practice for pension schemes' financial reports, under a three-month consultation that will close on July 16.
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Features
Regulator reports sharp rise in non-compliance as AE expands
The number of employers failing to comply with their auto-enrolment duties over two months to March 25 nearly matched figures for the entirety of 2013, as the amount of organisations auto-enrolling ramps up.
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News
SME uses investment guarantee to ensure good AE outcomes
Engineering company Centek has so far seen its defined ambition-like auto-enrolment investment set-up outperform the underpin it created to guarantee a minimum retirement outcome for its workforce of uninitiated savers.
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Opinion
A blueprint for pre-retirement comms to spur good decisions
In this week’s Technical Comment, Scottish Life’s Fiona Tait looks at how pension schemes can communicate with their members to help them achieve a secure and sustainable retirement income.
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Opinion
Why high SME opt-out concerns are groundless
Talking head: Steve Bee seeks to dispel concerns that a much higher proportion of auto-enrolled workers at smaller employers will reject their new benefit and so undermine workplace pensions reform.
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FeaturesTfL faces fresh demands for contract worker DB membership
Transport union RMT has reignited calls for all Transport for London employees undertaking work on a contract basis to be allowed to join its defined benefit pension fund.
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OpinionEditorial: A fair fight?
The “saver’s Budget” sounded a starting bell in the frankly lethargic DC investment market – which default strategy would win the argument and, more importantly, the flows?
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Opinion
What overseas DC systems can tell us about the post-Budget landscape
The retirement flexibility brought about by the Budget has left many schemes wondering how to best implement the at-retirement options.
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News
Low-cost passive DC loses ground as schemes seek ‘smoothed’ returns
The number of FTSE 100 trust-based defined contribution schemes using lower-cost, fully passive management for their default options has dropped by almost a half as diversified growth funds become more popular, research has found.
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Features
Selex empowers members on AVCs with website add-on
The Selex Pension Scheme has extended the functionality of its online pensions software as it seeks to drive engagement among its members.
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Opinion
Nest: Meeting the challenges scale brings
Talking head: As its membership hits 1m, Nest CEO Tim Jones reflects on the challenges presented by the state-sponsored pension scheme’s ever-expanding scale.
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Opinion
Confronting the less-discussed downsides of TDFs
LGIM’s Emma Douglas considers some of the downsides of target date funds for defined contribution scheme members, and how they can be addressed, in this week’s Informed Comment.
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News
Consultants expect DC flexibility to drive DB member transfers
Defined benefit schemes could see a short-term increase in requests from members to switch their benefits into defined contribution schemes, due to potential government plans to restrict such transfers, benefit consultants have predicted.
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Opinion
A blueprint for designing the DC growth phase
In this week’s Technical Comment, Schroder’s David Heathcock marks out the investment consensus that aims at a “smoother ride” for scheme members, rather than accepting greater volatility in the hunt for long-term returns.
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News
Tech SME: scheme and fee transparency crucial to AE
Technology company Fluidata has said simplicity and transparency of pension arrangements and fees are key to smaller employers navigating auto-enrolment successfully, as it struggled to see value in private providers.
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News
Charge cap consultation ramps up governance, weakens employers
News analysis: Defined contribution scheme representatives will see governance responsibilities increase after the pensions minister announces further reforms to ensure members get value – with a backdrop of industry debate on the charges cap.