All Opinion articles – Page 50
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OpinionOver-75s should benefit from tax relief
From the blog: Life expectancy is on the increase and with it people’s appetite for working longer. The range of flexible decumulation options is also growing.
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Opinion
Could improved understanding revive the annuity?
Analysis: Many savers have been reluctant to purchase an annuity following the government’s introduction of freedom and choice in 2015, but should they be nudged to reconsider their options?
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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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OpinionHow consultants can prepare for scheme consolidation
Avida International’s Bart Heenk explains why consultants should embrace scheme consolidation, and how they can prepare for change.
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OpinionWill the regulator’s new interventionism work?
Lincoln Pensions’ Darren Redmayne outlines the key changes being made by the Pensions Regulator in its dealings with schemes, and argues that resources and new powers will be vital to its continued success.
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OpinionAre real assets the answer for cash flow negative schemes?
As more schemes think about how to invest for cash flow, real assets appear well placed to fill the space. But how are concerns over liquidity addressed, and what are the latest developments in the infrastructure market? Five experts share their views.
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OpinionAn industry under pressure
It had to happen at some point: the Financial Conduct Authority has set its sights on the investment consulting market.
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Opinion
How much risk comes with real asset investing?
How can trustees know the risk characteristics of their real asset investments, and how do property and infrastructure compare? Barry Fowler from Aviva Investors, Anish Butani from bfinance, Vassos Vassou from Dalriada Trustees, Gerald Wellesley from HR Trustees and Danny Vassiliades from Punter Southall discuss.
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OpinionPension transfers – ensuring advice is fit for purpose
The Financial Conduct Authority’s David Geale explains the thinking behind the regulator’s recent proposals and defined benefit transfer rules and guidance.
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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.
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OpinionWhat are the obstacles to DB consolidation?
State Street’s Andy Todd examines why consolidation of defined benefit schemes has not taken off in the private sector, and argues that cost should not be the only motivation for asset pooling.
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OpinionBetween the lines
Editorial: Was it because she needed to be at Ascot later that day that the Queen’s Speech seemed shorter this time?
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OpinionSchemes need certainty on VAT
The VAT rules in relation to pension scheme costs are subject to change at the end of this year. However, it is still not clear what the extent of the changes will be and, importantly, what organisations should do in response.
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OpinionGDPR: Why trustees need to take notice
Claire Bell explains how schemes should prepare to comply with the new data protection regulation ahead of its launch next year.
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Opinion
How do trustees choose the 'right' consultant?
The Financial Conduct Authority’s final report on the asset management market revealed that the investment consulting sector has not escaped the watchdog’s scrutiny, but pinning down criteria for a good consultant is not easy.
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Opinion
How are DB schemes allocating to DGFs?
How are defined benefit pension schemes using diversified growth funds in their portfolios, and how can trustees choose between the various strategies on offer? Naomi L’Estrange from 2020 Trustees, Shuntao Li from Barnett Waddingham, Neil McPherson from Capital Cranfield, Murray Taylor from JLT Employee Benefits, and Percival Station from Pictet Asset Management discuss how pension funds are approaching DGFs.
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OpinionGood funding levels require good cash flow management
Shajahan Alam from Axa Investment Managers explains why what’s good news for your funding level often means you have to manage cash flow more carefully.
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Opinion
Should pension funds invest in renewable energy?
Barry Fowler from Aviva Investors, Anish Butani from bfinance, Vassos Vassou from Dalriada Trustees, Gerald Wellesley from HR Trustees and Danny Vassiliades from Punter Southall debate what makes renewable energy interesting from a pension fund perspective.
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OpinionPensions must not be a matter of luck
The minimum contribution levels for auto-enrolment risk making adequate pensions as rare as winning the lottery, says the Pensions Management Institute’s Tim Middleton.
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OpinionWhat Brexit politics mean for currency risk
From the blog: Pension scheme assets have become more international in recent years, meaning schemes have more opportunities for generating both growth and income.