All Opinion articles – Page 69
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OpinionGilt-swap spreads widen: An opportunity for pension schemes?
From the blog: Investing in UK government bonds or using interest rate swaps are two of the more popular ways by which defined benefit pension schemes aim to match their liabilities.
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Opinion
How schemes can pick the right manager
How can schemes know which manager will perform? In the last part of the Fixed Income Live series, Dalriada’s Simon Cohen, Hymans Robertson’s John Walbaum, Mercer’s Joe Abrams, PGIM’s Edward Farley and Willis Towers Watson’s Chris Redmond discuss whether schemes should let their consultant worry about finding the right specialists and what trustees should be spending their time on.
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OpinionFreedom and choice one year on – how far are we now?
Recent data on how pension funds are being used shows a need for direction from employers, trustees and providers in the wake of freedom and choice, says Mark Pemberthy from JLT Employee Benefits.
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OpinionRisks, costs and flavours of DGFs
From the blog: With markets volatile and growth opportunities scarce, diversified growth funds retain their popularity by providing exposure to a wide range of assets within a single fund and dynamic management.
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OpinionRe-enrolment: Pitfalls your scheme should look out for
Re-enrolment seems straightforward but there are a few wrinkles to look out for, says Linklaters’ Sarah Parkin.
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Opinion
Are there still areas of fixed income that provide value?
Are there still areas of fixed income that provide value? In the second part of our Fixed Income Live series, Dalriada’s Simon Cohen, Hymans Robertson’s John Walbaum, Mercer’s Joe Abrams, PGIM’s Edward Farley and Willis Towers Watson’s Chris Redmond reveal where they see the best investment opportunities.
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OpinionThe new state pension – why savers are not necessarily better off
The new single-tier state pension is a complex beast and shifts the retirement focus squarely to alternative means of saving, says Chris Wagstaff.
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OpinionWaiting for a rate rise can be bad for your health
Why don’t you want to invest in bonds yet? Is it because interest rates are going to rise which will make them cheaper to invest in later?
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OpinionA closer look at the Lisa
The Pensions Management Institute’s Tim Middleton questions the Lifetime Isa’s real purpose and asks what effect it will have on society.
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OpinionOffsetting costs from the end of contracting-out
Hogan Lovell’s Duncan Buchanan and Jill Clucas explain what options are open to employers and schemes for dealing with increased national insurance costs when contracting-out ends this week.
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OpinionFirefighting in Port Talbot
Editorial: Reports of the government being urged by Labour MPs to take over Tata Steel UK until a private buyer is found dominated the headlines last week, after the business was put up for sale by its owner.
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OpinionAs the lifetime and annual allowance changes take effect, who has to prepare and how?
Changes to allowances will take effect in April – Aries Insight’s Ian Neale explains what they mean and who will be affected.
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OpinionBreak down DC charges to assess value for money
Value for money is at the heart of defined contribution, but asset manager AB’s David Hutchins says cheap investments do not always make for a cheerful retirement outcome.
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OpinionWould Brexit mean less red tape for UK schemes?
Analysis: The volume of European regulatory changes has radically increased the governance burden on UK pension schemes in recent years; voting to leave the European Union must be tempting for trustees keen to cut the red tape.
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OpinionLDI: Cost concerns, cash flow and skewed models
Roundtable: Six industry experts discuss liability-driven investments - the costs, cash flow impact, European legislation and pitfalls of modelling.
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OpinionGood guidance for good outcomes
The Pensions and Lifetime Savings Associations’s Joanne Segars welcomes the government’s proposal for a single pensions guidance service, but says more needs to be done to ensure good outcomes for members.
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OpinionDisruption, dispute – discontent?
The news that Royal Bank of Scotland is shifting £18m of annual national insurance contributions – the increase it will face when contracting-out kicks in on April 6 – to 27,000 defined benefit members may not faze pensions lawyers, given it is legal to do so.
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Opinion
Here to stay? Low interest rates and fixed income investing
Are low interest rates here to stay, and how can pension funds invest in bonds in this environment? In this first part of the Fixed Income Live series, Dalriada's Simon Cohen, Hymans Robertson's John Walbaum, Mercer's Joe Abrams, PGIM's Edward Farley and Willis Towers Watson's Chris Redmond discuss where rates are going and what this means for schemes.
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Opinion
Altmann: Create a culture where it pays to save
Pensions minister Ros Altmann outlines the next steps for auto-enrolment and welcomes the new higher limit on tax-free employer-arranged advice.
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OpinionWhat the £500 limit on tax-free financial advice will change
Deloitte’s Andrew Power explains what the new higher limit on tax breaks for employer-sponsored advice could mean for employers and employees.