All Pensions Policy Institute articles – Page 4
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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.
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News
Pensions fail to convince savers but attitudes are expected to change
Fewer than half of people view workplace pensions as the most secure form of retirement savings, but experts have said attitudes towards saving for the future could change, driven by the current housing shortage, auto-enrolment developments and the demise of defined benefit pension funds.
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OpinionShould young people focus on pension saving?
Why should young people save for retirement and how can the industry help them? Jon Dadswell from Columbia Threadneedle has answers.
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News
Select committee hears evidence on how to get the self-employed saving
Proposals including an expansion of auto-enrolment and raising class 4 national insurance contributions, aimed at boosting pensions coverage in the UK, have been put before the Work and Pensions Committee as part of its inquiry into self-employed workers.
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News
Hollis: Bring invisible women into AE system
The UK’s pension system is failing “invisible women” who do not meet the auto-enrolment earnings threshold and are punished for leaving work to care for children, Labour peer Patricia Hollis has warned.
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News
More calls for education as lump sum figures raise questions
Pensions education and default funds must be improved to ensure the success of auto-enrolment, experts have said, as findings raise questions about the risks members are taking.
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OpinionTDFs and lifestyle funds: What is the difference, and why?
MFS Investment Management’s James Lindsay explains what differentiates lifestyle from target date funds, and asks if both could soon be outdated.
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OpinionThe new state pension – why savers are not necessarily better off
The new single-tier state pension is a complex beast and shifts the retirement focus squarely to alternative means of saving, says Chris Wagstaff.
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News
UK plc: Engagement is key to get more DC bang for employer buck
Data Analysis: Employee engagement with pension schemes is topping the agenda for businesses, with many saying the freedom and choice reforms have improved schemes' ability to generate good retirement incomes.
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News
DC needs to raise commitment without scaring members
The success of defined contribution is hanging on the ability to drive up contributions while keeping members on side with pension savings, as data show it risks falling short of delivering adequate retirement incomes.