All Opinion articles – Page 30
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OpinionWhy equity protection should never be too expensive for schemes
From the blog: Equity protection is back in vogue, with falls in markets at the start of the year putting downside protection strategies front of mind.
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OpinionPASA outlines five pillars of DC administration governance
While I hope we’re long past the stage where anyone sees DC administration as ‘simple’ accounting, there is not, to my knowledge, any single source setting out the components and associated governance.
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OpinionHow to cope with increasing regulatory burdens
From the blog: Good governance is the bedrock of a properly functioning trustee board. However, it is evident that trustees are struggling under a governance burden, which stems from the need to comply with increasing legal requirements and ever more Pensions Regulator publications.
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OpinionGuidance will have to replace advice for low earners
The impact of the Financial Conduct Authority's Retail Distribution Review and the Financial Advice Market Review means that for low earners with moderate pension pots and low levels of general savings, financial guidance is the most likely means of getting help in making informed decisions about how to manage their money.
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OpinionIncreasing TPR powers vital to protect DB schemes
From the blog: The white paper on protecting defined benefit schemes will go under the spotlight on Wednesday with both the Pensions Regulator and pensions minister giving oral evidence to the Work and Pensions Committee as part of its inquiry.
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OpinionIDWG cost disclosures are only the beginning
The Institutional Disclosure Working Group’s cost disclosure code has landed on the desk of the Financial Conduct Authority just under a year after the group first convened.
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Opinion
How would a lack of government support affect dashboard progress?
Analysis: Reactions to speculation that the secretary of state for work and pensions wants to scrap the pensions dashboard project have been unsurprisingly negative.
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OpinionWhat the DWP's new DB funding code could mean for trustees
In March this year, the Department for Work and Pensions published its white paper on 'Protecting Defined Benefit Pension Schemes'.
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Opinion
Review: Look Where You’re Going – The Life of Alan Pickering
Perhaps a professional trustee is an unlikely candidate for a published biography. But Paddy Briggs’ 'Look Where You’re Going', provides a fascinating insight into the remarkable life of Alan Pickering CBE.
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OpinionShould I stay or should I go?
Editorial: Moving away from the security of a guaranteed defined benefit fund is a big decision to make. For many, it may be the wrong decision.
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Opinion
How are target date funds innovating?
Experts have always found it impossible to analyse one without making comparisons with the other. As with footballing greats Lionel Messi and Cristiano Ronaldo, no conversation about the target date fund has ever taken place without mentioning its competitor, the lifestyle fund.
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OpinionLGPS shared services: Loss of control or efficiency booster?
Consolidation is undoubtedly a buzzword in the pensions industry at the moment, as schemes look for ways to lower costs, increase efficiency and improve governance.
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OpinionWhat have we learnt from the FCA's Retirement Outcomes Review?
The pensions industry will look back on the publication of the Financial Conduct Authority’s final findings from its Retirement Outcomes Review as a watershed moment in the steady shift from defined benefit to defined contribution.
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OpinionBoost innovation and understanding
The issues of retirement are well documented. When defined contribution pensions completely replace defined benefit schemes as the sole source of pension, we will see people not being able to replicate the retirement income levels those with DB arrangements are currently enjoying.
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OpinionSchemes must be prepared for an interventionist regulator
Even before the publication of the Department for Work and Pensions’ recent consultation on developing “a stronger Pensions Regulator”, it was becoming increasingly apparent that the regulator means what it says with its new “clearer, quicker, tougher” mantra.
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OpinionSmall schemes should not pin hopes on consolidators
The concept of a commercial pension consolidator appears to have quickly moved from a nice idea to nearing reality. The Pension SuperFund claims to be close to its first transaction, while others are not far behind, albeit with quite different propositions.
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OpinionMaking data count – how to use the IDWG cost code
From the blog: Following nine months of detailed work by the members of the Financial Conduct Authority’s Institutional Disclosure Working Group, new cost data templates will, for the first time, provide an industry-agreed, consistent approach to collecting this important information.
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OpinionWhat can be done to address ‘survival pessimism’ in pensions?
Club Vita’s Nick Chadwick and Erik Pickett discuss the role of the pensions industry and government in communicating the uncertainty in future lifespans and designing products that help people manage this risk.
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OpinionSidecars suit self-employed
Editorial: Self-employment is more common than ever, and the distinct lack of any concrete solution to get these people saving for retirement is becoming increasingly worrying.
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OpinionTo transition or not to transition, that is the question
If your relationship with your pension administrator is on the rocks, there are several things you should consider.