All Opinion articles – Page 42
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OpinionSeparation of services could shake up fiduciary management
There is no doubt that for several schemes, the appointment of a fiduciary manager has been a welcome addition to the support framework available to them.
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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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Opinion
DC Debate Q3: From platforms to post-freedom changes
In the second part of this quarter’s DC Debate, six experts discuss in-scheme drawdown, platforms, and the pros and cons of running a bundled or unbundled scheme.
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OpinionData crunch: Net flows highlight a European derisking trend
Although there are nuances between different markets, a derisking trend continues to be pervasive across Europe.
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Opinion
How pension schemes allocate to EMD
The benefit of pursuing diversification and long-term risk-adjusted return opportunities is widely known.
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OpinionTaking action to tackle gaps in scheme governance
Earlier this year, we commissioned two surveys to gauge how pension schemes are meeting our expectations, and to explore the barriers they face.
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Opinion
DC Debate Q3: How should schemes invest DC assets in a changing world?
In the third DC Debate of 2017, six defined contribution specialists discuss emerging markets, how Brexit will affect DC investment, and how schemes should decide on a default fund.
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OpinionWe need flexibility and security in retirement
Freedom and choice has empowered individuals to make decisions based on their unique circumstances. However, this freedom also leads to challenges when making retirement income choices – among them, uncertainty over spending needs and longevity.
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OpinionHow contingent assets can benefit schemes
Anthea Whitton, partner at law firm Eversheds Sutherland, explains how contingent assets can benefit sponsoring employers and scheme trustees.
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OpinionWas the financial crisis all bad news for pensions?
From the blog: Ten years on from the financial crisis, we are only now seeing the full implications for pensions. It seems a bleak picture. With gilt yields remaining at historic lows, many schemes have seen deficits and contribution requirements balloon.
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OpinionDon't end default at AE
Editorial: Another prominent industry figure has advocated introducing a default option at retirement this week, after last week’s informed comment piece was written with the same in mind.
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OpinionIt is time for ethical investing to evolve
Savers have been engaged with ethical investing in the UK for about 30 years. While the market has evolved somewhat in that time, it is fair to say it has not kept pace with developments elsewhere, such as in defined contribution investing.
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Opinion
Positive EMD performance: Will it last?
EMD survey: More than four years have passed since the taper tantrum, when the US Federal Reserve started to gradually tighten its quantitative easing programme, leading to investor panic and sell-off in some emerging markets.
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Opinion
What is the pensions conference good for?
Any Other Business: Trustees, consultants and asset managers flock to stuffy conference halls across the country to deliver speeches, spill pints and engage in lively debate over the issues of our time, but what is it the pensions conference really brings its participants?
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OpinionHow to prepare for the next stock market crash
Who knows whether another stock market crash is days, months or years away? Trying to call the top or the bottom of a market with perfect timing is, in general, a futile exercise.
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OpinionManagers consolidate faster
Editorial: Proposed new rules on asset management fee disclosure could cut into the consistently high profit margins of asset managers, but there are other trends investors should be aware of.
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Opinion
How do you pick a good pensions manager?
Any Other Business: From supervising providers and monitoring scheme performance to managing key relationships, the modern day pensions manager is now the ultimate multitasker. So how easy is it to find the perfect candidate?
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OpinionTrustee standards – an impractical election fever
From the blog: There is much debate on how to improve trustee standards. The Pensions Regulator has consulted and responded on what it calls 21st century trusteeship, and many ideas abound. Recently, the highly respected Kevin LeGrand floated some ideas.
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Opinion
Asset manager mergers: How they affect pension schemes
Analysis: The recent uptick in mergers and acquisitions activity in the asset management industry has sparked debate among experts over potential ramifications for schemes. Fees, innovation and relationships with managers could all be affected.
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OpinionTrustees cannot ignore deferred members abroad
From the blog: The press is full of reports surrounding the transfer of defined benefit schemes to defined contribution or personal pensions. What has been massively overlooked is trustee responsibility to deferred members who are no longer UK residents.