All Opinion articles – Page 106
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Opinion
A scheme guide to AE contribution requirements
If a money purchase scheme is being used for auto-enrolment purposes, it will need to meet the following three quality requirements:
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Opinion
Editorial: Embracing apathy
This year’s eight annual Leadership of Pensions Summit left in its wake quite a few lessons, and some surprises too, about how pension schemes and policymakers are meeting today’s industry challenges.
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Opinion
Editorial: Can the UK learn from US pensions?
Talk of special relationships between the UK and US has again hit the headlines. Although there seems to be common ground when it comes to politics, it has not extended into the world of pensions.
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Opinion
Steps to take to equalise your guaranteed minimum pensions
The vexed question of how to equalise your guaranteed minimum pensions remains unanswered, but hopefully not for much longer. Pensions minister Steve Webb has indicated that guidance will be published in spring 2014.
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Opinion
Schemes are not obliged to prop up UK economy
Figures for the first quarter of this year showed that business investment had fallen again, from its already very low level.
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Opinion
Editorial: Bringing pensions into the information age
The 21 century has been deemed the information or digital age. It is thought we are now exposed to as much data in a single day as someone in the 15 century was exposed to in an entire lifetime.
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Opinion
Keeping members informed and happy
The governance objective for anyone running a defined contribution scheme should be to provide robust and proactive defaults, and an environment where members can make informed decisions.
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Opinion
Diversity of thought needed on trustee boards
Diversification is a concept we are all very familiar with in the world of pensions. It is usually something we associate with investment, and we consider it a very good thing – diversification in investment is, in fact, often said to be “the only genuinely free lunch”.
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Opinion
Audits can speed up AE’s legal sign-off
Ferdinand Lovett proposes a four-stage audit so companies ensure they get the best from auto-enrolment legal advice
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Opinion
Editorial: Freedom from want
The reaction to last week’s TUC report on state pension reform understandably focused on the results which, the union held, supported its claim that £144 a week would leave the “vast majority of people” worse off.
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Opinion
The cost obsession is creating a false dichotomy
At first glance it appears simple: Four legs good, two legs bad. Lower-cost index funds good, higher-cost active funds bad. But is that the case?
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Opinion
Editorial: Speak softly and carry a big stick
We may have taken our annual print break over the past three weeks, but online at pensionsweek.com we’ve ensured our summer holiday readers had plenty to browse through.
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Opinion
Why pension schemes must act to correct poor data
The results of the Pensions Regulator’s record-keeping survey will come as no surprise.
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Opinion
Crucial retirement tools to benefit your members
Members of a defined contribution pension scheme need to be actively involved throughout their working life to make investment and contribution level decisions, and it gets increasingly important as retirement approaches.
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Opinion
Why we must fight to keep AE opt-outs low
At the beginning of the year insurer Aviva published research that found 37 per cent of people intend to opt out after they are auto-enrolled into their workplace pension.
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Opinion
Old does not necessarily mean vulnerable for Pies
Clearly it is in no one’s interests to make offers that are unsuitable for elderly or financially vulnerable members.
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Opinion
Steps to dynamically reduce your equity risk
The concept of managing volatility is not new, but it has gained a significant profile as a result of the major global financial crisis and ensuing market volatility.
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Opinion
Why trustees should be paid, and how much
The management and stewardship of a pension scheme is a time-consuming task and the burden on trustees is increasing.
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Opinion
How to build a SIP for contract-based DC
The creation of a Statement of Investment Principles by the governance committee of the contract-based Heineken defined contribution scheme caused a flurry of interest and a fair few compliments from informed commentators.
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Opinion
Editorial: Put fraud firmly in the shade
As the mercury rose last week, attention on pension fraudsters also hotted up as the regulator brought a liberation case to the High Court.