All Opinion articles – Page 80
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OpinionHow scheme life assurance benefits can affect lifetime allowance
From the blog: The standard lifetime allowance is being reduced again, this time to £1m. That’s a reduction of 20 per cent from the current level of £1.25m and 44 per cent from the LTA’s peak level of £1.8m in April 2010.
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Opinion
Global equities survey – part one
Equity investors who held their nerve after the horror show that played out in the global markets post 2008 have been well rewarded.
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Opinion
Global equities survey – part two
All good things must come to an end and there is growing concern among global fund managers that the recent run of good fortune from equity markets is starting to wane.
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OpinionEditorial: Drivers and disincentives
So taking the politics out of pensions is proving harder than this sensible-sounding phrase suggests.
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Opinion
The DC Debate – how the freedoms are changing the direction of DC
In the second quarter of 2015, our debate panel members explain how they think the charge cap and wider reforms are reshaping DC provision – and predict what further changes might come.
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Opinion
DC defaults: One size does not fit all
The continued growth of the defined contribution market was a secondary theme over the past quarter as the industry braced itself for fundamental reforms.
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Opinion
Active v passive: It’s not what you do, it’s the way that you do it
Active and passive management is a unity of opposites and our attention should focus on the implementation of both.
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Opinion
How is UK pension schemes’ appetite for smart beta changing?
KPMG's Simeon Willis, Towers Watson's Stephen Miles, State Street Global Advisors' Richard J Hannam, Cambridge Associates' Alex Koriath and Indexx Markets' Ronan Kearney, debate the popularity of smart beta among UK institutional investors in the first of a four-part roundtable.
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Opinion
Cashing in unwanted annuities
Talking Head: I am delighted the government is consulting about the possibility of allowing people to cash in their annuities.
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Opinion
Is fiduciary management right for your scheme?
The fast-growing world of fiduciary management can be a controversial topic for pension schemes.
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Opinion
The legal issues troubling trustees around DC flex
The new pensions flexibilities present a range of new considerations for schemes.
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Opinion
How DB plans with AVCs are affected by the reforms
The new pension flexibilities which came into force on April 6 apply as much to money purchase additional voluntary contributions in defined benefit schemes as they do to pure defined contribution schemes.
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OpinionEditorial: Not Tesco's finest hour
Closing a defined benefit scheme to future accrual is no longer considered a controversial move in the private sector.
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OpinionEU and workplace pensions: what now, where next?
Talking Head: In a nutshell, occupational pension funds – or IORPS (Institutions for Occupational Retirement Provision) as they are known in EU legislation – are under close scrutiny on two fronts.
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Opinion
Pot-follows-member: how it could work
In July 2012 the government announced its preferred solution to the proliferation of small pension pots, brought about by auto-enrolment.
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Opinion
Nest: Staging micro employers – do we need a new approach?
Two-and-a-half years into auto-enrolment and the pensions industry can look back and say, 'So far, so good'.
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Opinion
How trustees can tackle those 3am woes
While governance can often be seen as a tick-box process, a small number of issues are increasingly keeping pension directors and chairs of trustees awake at night.
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Opinion
What we can learn from how £1bn-plus schemes control costs
The future for final salary pension provision looks bleak. So goes the rhetoric: benefit rules, EU legislation, the Pension Protection Fund levy and more, have been blamed for increasing costs and hammering that final nail in the defined benefit coffin.
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OpinionEditorial: Powerful performances
No matter how often political sparring is proved a turnoff for voters, it’s a necessary part of the process and an accepted piece of theatre.
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Opinion
Is now a good time for an ETV or Pie exercise?
Last year’s Budget provided the most radical overhaul of the UK pension landscape for more than a decade. Members with defined contribution pension benefits now have much more flexibility over how they receive their retirement income.