All Pensions Policy Institute articles – Page 4
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FeaturesHow can we restore trust in pensions?
Analysis: Savers have long remained detached and bemused by their pension arrangements. Indeed, the success of auto-enrolment has partly depended upon consumer inertia.
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Features
Threshold adults favour medium-term saving over pensions
Analysis: The pensions industry has long been deliberating over the best way to cater for millennials currently beginning their savings journeys, but it may be time to focus on a new term – the so-called threshold adult.
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News
Select committee hails CDC as 'new Beveridge' for UK pensions
Collective defined contribution schemes could usher in a new era of progress for the welfare state, according to the Work and Pensions Committee’s latest report, as the influential group of MPs seeks to increase pressure on government to facilitate the swift creation of CDC schemes.
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News
Improved engagement more urgent than product innovation, says PPI
Savers can achieve positive outcomes with the range of products already available to them, according to a Pensions Policy Institute report emphasising the importance of engagement in helping people make more informed decisions.
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Features
Should the FCA set a drawdown charge cap?
The Financial Conduct Authority’s final report for its Retirement Outcomes Review focused on the challenges facing drawdown consumers.
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Opinion
Breaking the habit: Can life events make people more engaged with pensions?
Would you be interested in reading about your pension if you had just started a new job? What if you had just got married – or divorced?
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OpinionData Crunch: Why DC market measures are so confusing
Magnus Spence from research specialists Spence Johnson gives an update on the estimated size of the workplace defined contribution scheme market.
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News
AE review: Welcome reforms not due until mid-2020s
The government will introduce a package of measures to address issues with auto-enrolment, but questions remain over multiple jobholders and the self-employed, while the timescale has drawn criticism.
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NewsAE review: Consensus on solutions is still lacking
PLSA Annual Conference 2017:Despite unanimity on the need to increase coverage and boost contributions, there is still a distinct lack of consensus on exactly how to address these issues, according to independent advisers on the government’s auto-enrolment review.
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OpinionPoliticians should keep the faith in inertia
A whistle-stop roundup of pensions at the political parties’ annual conferences and a recommendation to stick with the power of inertia for the self-employed, courtesy of Broadstone’s David Brooks.
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Opinion
Are pensions what the self-employed need?
Ben Jennings is not saving into a pension, and neither are his peers. The cartoonist and illustrator, whose work appears in this publication and The Guardian among others, says he and and other self-employed 20-somethings are too busy trying to pay their rent.
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Features
Could a shift in AE contributions balance raise saving levels?
Analysis: As questions remain over the adequacy of auto-enrolment contributions, a shift in the balance between employers and employees might provide the answer towards raising retirement saving levels.
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News
Could DGFs deliver a better DC experience?
Analysis: The perceived wisdom of defined contribution investment had always been one that places an emphasis on simplicity.
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News
PPI: Consider different policy options for self-employed pensions
Policymakers need to consider diverse attitudes and financial circumstances of different self-employed groups before deciding on options to boost pension saving levels, a new report finds.
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Opinion
How can DC schemes deliver value for money?
There are few more prolific terms overheard in the pensions industry than value for money, and far fewer that evade objective definition quite so comfortably.
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News
Employer contributions key to AE popularity with millennials
Recent research has shown that millennials are welcoming auto-enrolment, prompting industry figures to highlight the positive role of employer contributions and the continued need for improved understanding of retirement saving.
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News
Life events key to engagement, report finds
Moving house, getting a job or starting a family could be the best moments to get people saving, a new report says, but stresses the risks of engagement and continued role of default options.
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Features
Addressing career flexibility could help tackle gender pensions gap
The gender pay gap is a multi-faceted problem that needs a multi-pronged approach, experts say — from financial education to adapting the pensions system to assist flexible working.
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NewsMPs call for government to put brakes on 'free riding' gig economy firms
The Work and Pensions Committee has called for employee and self-employed national insurance contributions to be equalised, arguing that following the introduction of the new state pension, the self-employed contribute far less.
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News
Lack of savings highlights importance of state pension
The number of women retiring without a pension has dropped, new research shows, but nearly 14 per cent of people have not made provisions for their retirement, highlighting the significance of the state pension for savers.