All Opinion articles – Page 55
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OpinionOlder workers and pensions – what you need to know
Employment of older workers has grown significantly: a recent Department for Work and Pensions study revealed that during the past 30 years, the employment rate for people aged 50-64 has reached nearly 70 per cent from just over 55 per cent, and for the over-65s has more than doubled to 10.2 per cent.
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OpinionWhere the LGPS currently stands on pooling
Nearly 12 months have passed since the government set out the criteria for pooling Local Government Pension Scheme investments in England and Wales. Since then, administering authorities have come together to set out their proposals on pooling and how they would meet those criteria.
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OpinionIntegrating compliance and ethics at the PPF
At the Pension Protection Fund, there is a strong commitment to ethical conduct from the board and executive committee who set the tone for the organisation.
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OpinionTrumponomics
Editorial: The US election result should not really have come as a surprise to UK investors who experienced the Brexit vote.
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Opinion
When things get hairy: Don’t overreact to President Trump
From the blog: Donald J Trump has been elected president of the US, sparking marked but short-lived market fluctuations and suggesting that you probably shouldn’t take investment advice from a pollster.
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OpinionEmpower DC savers to shape a better future
Last weekend, I watched National Geographic’s new documentary ‘Before the Flood’, in which Leonardo Di Caprio explores the topic of climate change: what is causing it, its impact on the planet, and what must be done to prevent it.
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OpinionTrustee liability and black swans
From the blog: The thing about black swans is that until you encounter one, you ignore the possibility that they exist – but in hindsight it’s all too obvious that they do.
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OpinionDone right, re-enrolment can be an auto-enrolment MOT
As we prepare for millions of smaller employers to start offering a workplace pension, we obviously can’t forget the thousands of employers, large and small, who have already done so.
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OpinionWhere to look for value in real assets
Investment in renewable energy assets can offer predictable, low-risk returns, sometimes with a degree of government guarantee or linkage to inflation.
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OpinionSelf-employed underdogs?
Editorial: If you ask Uber drivers why they work for the app, they generally reply that while the pay per client is less, there is no downtime between customers and they are free to choose when they want to work.
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OpinionActivating better DC outcomes
Have global financial markets escaped the meltdown expected following a Brexit vote? Currency markets and some bonds priced in concerns about the post-Brexit landscape, but many of the shock waves triggered immediately after the vote have receded.
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OpinionWhat have we learnt from the pensions undersecretary’s first 100 days?
The changes at Westminster following the fateful EU referendum effectively resulted in a new government, including responsibility for pensions. Hopefully this does not signal a return to the revolving door at the Department for Work and Pensions.
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OpinionPensions for the hashtag generation
From the blog: The ‘millennial’ generation – broadly defined as the cohort born between 1980 and the late 1990s – is now the largest working-age demographic in the UK, and will represent some 75 per cent of the global workforce by 2025.
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OpinionWhat's behind factor investing
From the blog: With pension funds increasingly embracing risk factor investing, it is essential to ensure a factor premium is supported by empirical analysis, economic rationale and a simple factor definition.
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OpinionMissing the bigger picture
Editorial: The importance of understanding pensions is well acknowledged by the industry. The need for guidance and advice is a ready source of commentary at any time of year, and the dangers faced by those approaching retirement without sufficient education are rightly the subject of much debate.
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OpinionData crunch: Investors revise fixed income mindsets
Traditionally labelled as ‘boring’, the fixed income asset class has livened up in recent years. The low-yield climate has created a waterfall effect where institutions move down the credit landscape in search of yield.
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OpinionMonitoring the sustainability of your scheme's investments
The science, or art, behind sustainable investment is still contentious: inevitably linked with environmental, social and governance engagement and confused with 'ethical' investment, many trustees try not to think too much about it – instead investing against short-term measures.
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Opinion
Where will fiduciary management go next?
As fiduciary management becomes mainstream and schemes become more comfortable with its uses and limitations, manager offerings will inevitably change. But how can we expect them to evolve? Six experts discuss.
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OpinionAre we engaged enough?
Shareholder engagement has been shown to be beneficial for those schemes that use it, but are schemes using it enough? Mercer’s Aled Jones takes a closer look.
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OpinionClosure cases: How trade unions are changing tack
It is not uncommon to hear of trade unions stepping in to protect defined benefit provision for members, as final salary schemes continue to close. But with a greater focus on defined contribution adequacy, union approaches to closure cases are evolving.