Latest articles from Stephanie Hawthorne

Schemes face a tsunami of new regulations in October

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CPD: The extreme temperatures of the scorching summer of 2022 are a timely reminder why climate change regulation is rising up the agenda for trustees, which will be subject to a plethora of new duties from October, explains Stephanie Hawthorne.

New DB funding rules considered overly prescriptive

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CPD: Stephanie Hawthorne gets to grips with the detail on the Department for Work and Pensions’ latest consultation on defined benefit funding rules consultation, and what it means for trustees, sponsors and their members.

Are savers ready to go back to annuities?

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CPD: Annuities are the current Cinderellas of the pensions industry, but Stephanie Hawthorne asks whether higher rates will bring them back into favour for savers looking to lock in retirement.

Light at the end of the tunnel for academics’ pensions?

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CPD: With academics still hotly disputing funding estimates at the Universities Superannuation Scheme, Stephanie Hawthorne untangles the long web of history amid claims and counterclaims from members and employers.

DC default funds: A members’ lottery regarding investment outcomes

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CPD: Stephanie Hawthorne shines a light on defined contribution default funds, and questions if the workhorses behind auto-enrolment are fit for purpose.

UK pension schemes still caught in Russian crossfire

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CPD: Stephanie Hawthorne reports on the complexities of divestment as the Russian invasion of Ukraine continues with no sign of peace on the horizon.

First superfund deal could happen before end of 2022

Dreamstime

CPD: Superfunds have long been mooted as a possible solution for defined benefit schemes where an employer’s covenant is weak or there exists a danger of insolvency. They are now set to move from the drawing board to reality this year, reports Stephanie Hawthorne.

The surge of small ‘pointless pots’ endangers AE credibility

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CPD: There are now at least 10mn inactive pots in master trusts alone after just one decade of auto-enrolment, but the pace of reform is glacial, Stephanie Hawthorne writes.

The state pension – a creaking centenarian

Bloomberg

CPD: The state pension is an essential retirement staple for the entire UK, but Stephanie Hawthorne questions whether the system is still fit for purpose.

Are DC retirees second-class citizens in a two-tier workplace market?

Bloomberg

CPD: The defined contribution workplace pensions sector is failing savers at their hour of most need as decumulation options are still not fit for purpose, Stephanie Hawthorne finds.