All member engagement articles – Page 17
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OpinionOvercoming behavioural biases in retirement saving
Applying behavioural interventions in a simple and personalised manner could generate more optimal savings decisions, says Columbia Threadneedle’s Chris Wagstaff.
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News
DC schemes to give members cost information online only
Defined contribution schemes should disclose costs and charges to members by signposting a link in their annual benefit statement, the Department for Work and Pensions has proposed, as the industry agrees communications need to be kept simple.
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NewsRecreation and retirement do not go hand in hand, say experts
PLSA Annual Conference 2017: The association between retirement and a luxurious lifestyle of holidays is financially unsustainable and should be challenged, say experts, as the industry considers how to improve saving rates.
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NewsAE review: Consensus on solutions is still lacking
PLSA Annual Conference 2017:Despite unanimity on the need to increase coverage and boost contributions, there is still a distinct lack of consensus on exactly how to address these issues, according to independent advisers on the government’s auto-enrolment review.
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FeaturesNottinghamshire to create portals for improved admin
The Nottinghamshire County Council Pension Fund is implementing portals for both employers and members as part of a push to improve administration across the scheme.
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OpinionEthical investing: All talk and no action?
From the blog: Ethical investing has come to the fore in recent years as more people say they want to align their investments with their moral values, but there are still some obstacles on the way there.
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OpinionPath to new savings culture needs change of direction
From the blog: In his recent article, ‘A pension system to support everyone’, pensions minister Guy Opperman highlights the impressive achievements of pensions auto-enrolment. It’s a huge success story for both government and the pensions industry.
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OpinionWill streamlined advice help close the advice gap?
As part of the Financial Advice Market Review, with its aim of closing the advice gap, the Financial Conduct Authority has been consulting on new guidance on streamlined advice.
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News
Industry push to increase pensions engagement
With Pension Awareness Day fast approaching, experts explain how employers and a positive approach to retirement saving and communications can help.
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OpinionWhat we can learn from DC in the US
In the US, the size of the market has driven innovation by pension providers and creates an opportunity for sponsors to provide plans which better engage their workforce.
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OpinionThe limitations of financial advice
As with most things in life, there is rarely a single, unequivocal answer to a pensions issue such as how to prepare for retirement. The other factors preventing us from navigating a clear and simple path to the later life we desire are our own personal biases.
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News
Experts fear further delays to cold-calling ban
As the industry awaits the government response to its consultation on a pensions cold-calling plan, there are increased concerns over further delays to protecting the public from scammers.
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News
Life events key to engagement, report finds
Moving house, getting a job or starting a family could be the best moments to get people saving, a new report says, but stresses the risks of engagement and continued role of default options.
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Opinion
Students believe in funding retirement later and independently
From the blog: With grades, graduation and jobs being of immediate priority, there is little concern of retirement plans and pensions among students. Home-owning, holidays and being happy right now are also high up on the list.
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OpinionHow to get your scheme dashboard ready
Now is the time for schemes to start focusing on data quality to prepare for the pension dashboard, says Geraldine Brassett from the Pensions Administration Standards Association.
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News
Taylor review urges action on increasing AE coverage
The Matthew Taylor Review of Modern Working Practices highlights ways in which self-employed people could be helped to save for retirement, but questions remain.
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News
Cridland: Longevity as big an issue as climate change
Savers need to be more aware of the consequences of an ageing population on retirement saving, with providers, regulators and employers all having a part to play in improving engagement, say experts.
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NewsGauke calls for government and industry collaboration
In his first speech as Secretary of State for Work and Pensions, David Gauke called for consensus and collaboration to ensure a positive future for pensions, but admitted that it will take time to address some of the more challenging policy issues, from pensions tax relief to extending auto-enrolment to the self-employed.
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OpinionThe challenge of moving from inert to engaged
Gavin Perera-Betts from Nest on what is needed for auto-enrolment to continue to be a success story.
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Opinion
How are DGFs being used in DC?
How are defined contribution schemes using diversified growth funds, and what roles do member engagement and cost constraints play? Naomi L’Estrange from 2020 Trustees, Shuntao Li from Barnett Waddingham, Neil McPherson from Capital Cranfield, Murray Taylor from JLT Employee Benefits, and Percival Stanion from Pictet Asset Management discuss DGFs in DC and the issue of fees.