All Opinion articles – Page 68
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OpinionForget freedom, millennials want security
From the blog: Born between 1980 and 2000 and entering the workplace amid one of the most significant booms and busts of recent history, millennials face a unique set of financial challenges.
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OpinionSpeed dating for LGPS funds: How to choose your pooling partner
The 89 Local Government Pension Scheme funds in England and Wales are embarking on a pathway to pooling under current government plans, which require the creation of five to six pools of around £25bn.
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Opinion
The cost of a buy-in: A trio of factors dominate pricing
Feature: Many more schemes are expected to explore derisking avenues such as buy-ins and buyouts in 2016, but whether to press ahead will come down to affordability, which hinges on at least three key factors.
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OpinionSix pages or 60? What to expect from an IGC report
It is nearly a year since the requirement to set up independent governance committees was introduced, which means the first annual reports will soon be rolling off the presses.
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OpinionNew pensions accounting standards: What is the impact on employer balance sheets?
For employers participating in group defined benefit pension plans, and in relation to plan surpluses, the new UK generally accepted accounting principles for 2015 will have a significant effect.
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Opinion
A year of many firsts lies ahead
Editorial: Happy new year! It started with a bang – a stock market slump, circuit breakers suspending trading in China, China suspending the circuit breakers, and the FTSE falling sharply on Monday and Thursday last week.
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OpinionFall in accounting deficits no reason to cheer
From the blog: IAS accounting deficits belonging to defined benefit pension schemes have improved, but schemes should not get their hopes up about funding positions.
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OpinionSkip the all-you-can-eat buffet in 2016
New year, same old question: how to make money in financial markets? What's changed beyond the obvious combination of a holiday-depleted bank balance, horrendous weight gains and a new calendar?
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Opinion
Pension Wise: perception and reality
From the blog: Defined contribution investors face risks and challenges both at and in retirement, against the backdrop of the widening UK advice gap and the lack of any reference framework by which to gauge what is feasible and realistic.
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Opinion
Have a mega Christmas
From the blog: Just as everyone is slowing down for the holidays, looking at what’s coming up next year or finally doing the admin tasks they had put off for the past ten months…
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OpinionNew risk model is a success, now stability is key
Talking Head: The Pension Protection Fund’s Chris Collins takes a look at the new model used for levy calculation and says what employers can expect from the PPF over the coming years.
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Opinion
Indecision and fear: tax changes threaten the role of pensions in employee benefits
From the blog: More than half of schemes are considering offering a cash allowance to members affected by pension tax changes, as alterations to the lifetime allowance threaten to drive high-earners away from workplace pensions.
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OpinionKick ageism out of workplace pensions
From the blog: With economists virtually unanimous that extending working lives is essential if the UK is to tackle its demographic time-bomb, politicians have been working to remove barriers to later-life employment.
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Opinion
Tax, cyber crime and covenant guidance: what to look out for in 2016
The pensions industry has had to deal with changes across many fronts in the recent past. 2015 was no exception, bringing proposals for Local Government Pension Scheme pooling, the introduction of freedom and choice and the beginning of re-enrolment.
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OpinionHow can you communicate re-enrolment to your members?
With the first schemes starting to re-enrol, Andy Partridge from communications specialist Like Minds looks at the value of convincing your opt-outs that pensions are a good thing.
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OpinionAfter an eventful five years, the pensions challenge is not over
Talking Head: Joanne Segars from the Pensions and Lifetime Savings Association looks at what has happened in the pensions world over the past five years and what lies ahead.
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OpinionEmployers need to step closer to the ‘advice line’
Hymans Robertson’s Rona Train looks at how employers can do more to give access to advice or guidance to pension scheme members.
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OpinionPensions Regulator: Our expectations of DC trustees
Talking Head: The Pensions Regulator’s chief executive Lesley Titcomb outlines what is expected from defined contribution trustees and how they can influence the new DC code of practice.
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OpinionAE for smaller employers: Have a plan and tackle it early
The number of small and micro businesses due to start auto-enrolling employees is set to increase dramatically next year. Mastertrust Now Pensions’ Morten Nilsson explains how they should prepare for this change.
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OpinionHow DC trustees can determine ‘good value’
From the blog: Trustees of occupational pension schemes that provide money purchase benefits are now required to assess and report annually on the extent to which member-borne charges and transaction costs under their scheme represent good value for members.