All Opinion articles – Page 84
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OpinionHow DB-DC can be a win-win for employers and staff
Blog: The revolutionary pension freedoms introduced in April allow employees to transfer out of their employer’s defined benefit pension schemes and take benefits as cash rather than pension.
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OpinionEditorial: Navigating risk and reward
The term ‘low-yield environment’, which once struck fear into the hearts of scheme trustees tackling deficits, has all but got its feet under the table. We are almost, but not quite, at home with the reality, like the in-laws who came for two weeks but ended up staying for six months.
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OpinionNest: Keeping our eyes on the prize
Talking Head: Millions more savers are part of workplace pension schemes thanks to auto-enrolment, but there is no room for complacency, says Nest chief Tim Jones.
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Opinion
Industry starts wish list for new pensions minister
After years of profound legislative change, many people in the pensions industry are calling on new pensions minister Ros Altmann to usher in an era of relative calm. Some of these same people would also like her to push for an independent retirement savings commission.
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Opinion
How do you run a trustee election?
Following a largely unexpected result last week, the United Kingdom has a team in place to try and steer the country towards greater prosperity, opportunity and fairness (we hope).
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Opinion
Lock into lending for rich rewards
Pension funds make great lenders and should be rewarded for illiquidity, says William Nicoll, co-head of alternative credit at M&G Investments.
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OpinionGeneral election 2015 – in pictures
General election 2015: Even the Conservatives couldn't quite hide their surprise at the outcome. Here are some key moments for party leaders following a night they will never forget...
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OpinionLegislating for change
Talking Head: UK pensions policy is at a crucial point in history. Rob Gardner asks whether the new government will make the right moves.
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Opinion
Time to count the cost of currency trading
With regulatory focus on high fund management charges, Yossi Brandes says benchmarking FX costs could save schemes millions of pounds.
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OpinionEducate, guide, default – how schemes should deal with DC flex
The new pension flexibility has now been available for one month. Early indications suggest a great deal of interest among pension savers, but it is too early to identify trends in terms of what people will do with their pension savings.
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OpinionEditorial: Stability a long way off
The election was unlike any other in recent memory for a host of reasons: its too-close-to-call nature, the shock not-quite-as-close exit poll on Thursday night, Jeremy Paxman ditching his fearsome Newsnight demeanour to dabble in wit on comedy panel shows.
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Opinion
LPFA: How proper governance can boost fund returns
Talking Head: As more local authority pension schemes join forces, the LPFA’s Susan Martin talks about the importance of independent oversight.
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Opinion
DC for a small planet: managing a multinational scheme
As defined contribution schemes become the backbone of retirement saving, multinational companies must reconcile regional idiosyncrasies with global objectives, says Nigel Aston, head of DC at State Street Global Advisors.
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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
In the first of a two-part analysis of the asset class, Gill Wadsworth assesses what creates winners and losers in the space and asks whether any outperformance truly justifies the fees.
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Opinion
Global equities survey – part two
In part two of our analysis of the global equities market, Gill Wadsworth considers how the wider trend, performance and current valuations are influencing UK schemes’ attraction to the asset class.
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Opinion
Active v passive: It’s not what you do, it’s the way that you do it
The active versus passive management debate is over. James d’Ath, director at Indexx Markets, says it is time to embrace a new middle way.
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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
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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OpinionEditorial: Drivers and disincentives
So taking the politics out of pensions is proving harder than this sensible-sounding phrase suggests.