All Opinion articles – Page 72
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OpinionWhat we can learn from the first 3 years of AE
From the blog: Auto-enrolment was always going to be something of a movable feast since the scheme began three years ago.
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OpinionSegmenting the membership – why it's done and how it works
Segmentation is a clearly identifiable trend in communications today. This is unsurprising, because information that is segmented talks directly to an individual’s situation and is a powerful way of engaging the user.
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OpinionA real crowd PLSA
Editorial: The NAPF annual conference is the pinnacle of pensions jollies and the event this week had an added buzz in the air. While the industry still faces some uncertain times, it was enjoying what seemed to be a greater sense of stability in its own identity compared with this time last year.
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Opinion
How DB schemes can offset end of contracting-out costs
From April 2016 a single-tier state pension will be introduced to replace the existing basic state pension and the earnings-related state second pension.
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Opinion
The butterfly effect – How to take cover and control
Chinese equity shocks captured the headlines over the summer but UK pension funds should equip themselves for a deeper period of entrenched low-growth.
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Opinion
Tough markets force funds to act smarter
UK pension funds have been searching for ways to invest in traditional assets in non-traditional ways, moving further into the alternatives and multi-asset spaces.
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OpinionCould you help your higher earners save more tax-efficiently?
At the 2015 summer Budget the lure of raiding the £50bn pension tax honeypot proved too much for chancellor George Osborne to resist and so, for the fourth time since 2010, some individuals are faced with disruption to their long-term retirement planning.
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Opinion
What fixed income ETFs can bring to your portfolio
Investors in fixed income markets are having to deal with persistently low or even negative yields, the potential for increased volatility – such as recent worries about China – and a lack of clarity over when the US Federal Reserve will start raising rates.
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OpinionSouthern powerhouse
Editorial: On Monday George Osborne announced the creation of six British Wealth Funds, into which our 89 local government pension schemes' assets will be pooled. Quite what this verb entails is still up for debate.
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OpinionCollective response to an unprecedented problem
Talking Head: This week’s National Association of Pension Funds conference was a great opportunity for debate, the central question being: Can we use the energy of discussion to power a collective response to an unprecedented pensions crisis?
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OpinionI would rather take the M6 toll and be wrong
From the blog:Growing up in Shropshire and working in London means the M6 has been a feature of my life for years.
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Opinion
Four graphs on why DGFs will matter to your scheme even more
From the blog: A 15 per cent growth in the diversified growth fund market in one year is a handsome but not totally unexpected rate of progress. But this concentrated market swinging open its doors to new players and pension fund money is much more interesting.
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Opinion
How to tackle risk in a diversified default strategy
Default fund design for defined contribution schemes has evolved significantly over the years, but further evolution will be needed to accommodate changing member requirements.
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OpinionRegulator: Coding for quality — how we're supporting DC
Talking Head:As the rapid pace of change continues in the defined contribution space, we are supporting trustees in several ways to navigate through the new legislation and deliver better outcomes for workplace savers.
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OpinionWhat can be done to strengthen quality signposts among TPAs?
In an industry heavy with internal and external oversight, it is strange that objective quality measurement in third-party administration is hard to pin down.
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OpinionNot today, tomorrow better
From the blog: In the mid-1960s, Dr Eric Berne wrote a groundbreaking book, Games People Play, in which he introduced 'transactional analysis', a powerful study of human behaviour.
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Opinion
Webb: Why widening the AE net risks its delicate consensus
From the blog: There is currently a logical fallacy in the pensions world that runs like this: First, pensions are a Good Thing. Second, millions of people are excluded from auto-enrolment.
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OpinionMany happy returns
Editorial: Happy birthday China. The people’s republic is 66 this week. It is celebrating with a suitably extravagant garland of floral sculptures including trains, rockets, castles, satellites and even skiers – a nod to the country being awarded the 2022 Winter Olympics.
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Opinion
Choosing the right door to enter EMD
EMD survey: While reports abound of big-name emerging market specialists taking a severe hit in the summer sell-off, investors elsewhere are asking themselves how they can capitalise on the hysteria.
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OpinionLPFA: Seize the opportunity
Talking Head: The coming weeks will see the annual decamp from Westminster as cities around the country play host to MPs, councillors, special advisers, journalists and those that have ideas or services to promote.