Latest articles from Stephanie Hawthorne

Why do savers continue to misunderstand their pensions?


Analysis: The pensions industry spends extensively on member communications, but 48 per cent of employees do not know how much their employer is paying into their pension, according to a survey by The People’s Pension.

High gilt yields: a great escape from charities’ DB deficit nightmare?

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CPD: High gilt yields and increased interest rates could prove a rare exit route for hard-pressed charities shouldering onerous defined benefit pension scheme deficits, Stephanie Hawthorne reports.

Six out of 10 DB schemes mull discretionary increases


CPD: Trustees are grappling with inflation complexities for the first time in 20 years, with discretionary increases back on the agenda. Stephanie Hawthorne asks what factors should sway trustee boards as they assess these knotty issues?

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


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


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.