All Opinion articles – Page 86
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OpinionEditorial: Drum roll...
So there you have it. By the time you read this, swaths of people will have battered down their providers’ doors to get their mitts on their pension pots, to splash on posh cars and cruises. Or not.
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Opinion
Spring clean your DB data and keep it sparkling
JLT Employee Benefits’ David Hepplewhite explains why record-keeping is just as important, if not as glamorous, as flexible pensions.
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OpinionGardner: How to achieve financial security in retirement
Talking Head: Redington’s Rob Gardner questions how we can calibrate investment strategies and saving behaviours with retirement income goals.
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Opinion
Prepping for buyout: How the current derisking market affects your scheme?
Lincoln Pensions’ Darren Redmayne looks at practical steps schemes can take on the journey towards buyout.
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Opinion
Two workplace guidance steps to avoid member confusion
Mercer’s Mark Rowlands believes pension scheme members need more than a little advice to help them make the right decisions when nearing retirement.
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Opinion
What will the election result mean for the pensions industry?
Tom McPhail of Hargreaves Lansdown predicts the direction each party will take on pensions if they win the general election.
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Opinion
How your scheme can make the most of big data
Any other business: Last week's piece explored how schemes can tighten their data compliance processes. But how can trustees take data one step further to improve how the scheme is run?
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OpinionLooking through the lens of the regulatory telescope
Following last week’s update to the Pensions Regulator’s three-year corporate plan, here is a brief stock-take of what the world appears to look like through the lens of the regulatory telescope.
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OpinionEditorial: Inside the control room
The confirmation last week that we’ve hit a patch of ‘noflation’ – expected to become deflation from this month – did not come as a surprise to many.
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Opinion
Three graphs showing why a pensions dashboard matters
A survey by provider B&CE has shown most pension savers support the introduction of a 'pensions dashboard' and comes a day after the Financial Conduct Authority announced it would work with the government on developing such a platform.
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Opinion
Regulator: 11 steps for smaller employers readying for AE
The Pensions Regulator’s Charles Counsell explains its new guide to help small employers get ready for auto-enrolment.
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Opinion
How the DC landscape will change in a 75bp world
JPMorgan’s Simon Chinnery warns of the effect the forthcoming charge cap on investments will have, and points to a flexible and inexpensive default fund.
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Opinion
Six steps to manage a rise in DB-DC transfer requests
While the pension flexibilities do not apply directly to individuals with defined benefit pensions, members do have the option to transfer their benefits to a defined contribution arrangement.
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Opinion
Nest: Why TDFs provide a durable route to good outcomes
Keeping your mind on the long term can be a difficult business. Target date funds can help both schemes and savers do just that, writes Nest’s Mark Fawcett.
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OpinionEditorial: Nobody got hurt. For now
Editorial: Despite the inevitable post-Budget hole-picking, you have to hand it George Osborne who did exactly what he set out to do in this year’s announcement. He must be feeling very smug.
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Opinion
Budget 2015: The industry responds
While not as earth-shaking as last year's historic gamechanger, yesterday's Budget included two important moves – the creation of a secondary annuity market and lowering the lifetime allowance to £1m from £1.25m.
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OpinionHow current thinking on interest rates affects DB hedging levels
Henderson’s Kevin Adams discusses the cost of hedging, a possible rise in yields and what could bring about an increased supply of gilts from the Bank of England.
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Opinion
How to reconcile multiple appointments on governance boards
Any other business: In three weeks, the requirement for pension providers to form independent governance committees to monitor the effective running of contract-based schemes will come into force.
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Opinion
DC derisking needs a more personalised approach
The news that 20 Aon Hewitt defined contribution schemes have left members exposed to investment risk due to a lifestyling failure is clearly the result of an unfortunate blunder, writes Andrew Pennie of Intelligent Pensions.
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Opinion
Six ways to meet the needs of the DC generation
Talking Head: Nest’s Mark Fawcett shares the scheme’s initial consultation findings on the needs of DC members and highlights six areas that could inform the design of default retirement products.