All Retirement articles – Page 20
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OpinionIt's time to put our faith in experts
From the blog: The transfer market has been frantic with activity since the introduction of pension freedoms in 2015. Around £50bn has been cashed out of company pension schemes over the past two years, according to Mercer.
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NewsFujitsu could see more strikes in jobs and pensions dispute
Union Unite is preparing to reballot employees at ICT company Fujitsu on strike action, in a long-running dispute that – among other things – involves a change to the ICL defined benefit section’s late retirement factor.
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NewsEquity release plans hit record levels
The value of equity release plans surged past £800m in a single quarter for the first time in Q3 2017. The 9,905 new plans agreed between July and September represent a 34 per cent rise from Q3 2016.
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NewsRecreation and retirement do not go hand in hand, say experts
PLSA Annual Conference 2017: The association between retirement and a luxurious lifestyle of holidays is financially unsustainable and should be challenged, say experts, as the industry considers how to improve saving rates.
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NewsPLSA proposes national retirement income targets
The Pensions and Lifetime Savings Association has suggested the introduction of Australian-style national retirement income targets in its latest consultation paper.
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OpinionWe can make pensions both affordable and adequate
Pensions Expert 20th Anniversary: Governments need to strike a balance between affordability and adequacy if they are to avoid problems in the future, says the International Longevity Centre’s Brian Beach.
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News
DC savers want compulsion, research shows
Members favour scrapping the option to opt out of auto-enrolment minimum contributions, recent research has found, as experts highlight the need for better guidance around the levels of saving required for retirement.
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News
Select committee probes pension freedoms as concerns grow
The Work and Pensions Committee is launching a new inquiry into the pension freedom reforms, asking whether changes are required to better achieve the policy’s objectives.
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OpinionWill streamlined advice help close the advice gap?
Streamlined advice could be a more affordable alternative to full advice, supporting retirement planning and engaging younger people, argues Aegon’s Steven Cameron.
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News
Government must clarify minimum pension age plans, say experts
HM Treasury has been urged to clarify its plans for increasing the age at which savers can access pension freedoms, after it accelerated the rate at which the state pension age will increase in July.
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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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OpinionWhy we need a default option at retirement
Columbia Threadneedle’s Chris Wagstaff makes the case for a default drawdown option comprising elements of income security, and examines several proposals that could ease the difficult choices faced by savers at retirement.
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OpinionThe limitations of financial advice
Quantum Advisory’s Phil Farrell argues that apathetic members are unlikely to reach the retirement they desire, even with the help of regulated financial advice.
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OpinionPractical steps for improving DC savings
LGIM’s Emma Douglas says clear member communication and helpful product design must be central to the industry’s efforts to help the DC generation tackle the savings challenge ahead of them.
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NewsCourt backs IBM in DB closure dispute
Technology giant IBM’s decision to close its UK defined benefit schemes has been ruled lawful by the Court of Appeal, in the culmination of an eight-year battle over the sponsor’s discretionary powers.
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OpinionPlastic Lamborghinis: The worrying FCA Retirement Outcomes Review
From the blog: The Financial Conduct Authority’s latest Retirement Outcomes Review presented some interesting statistics, particularly for those of us in the business of designing pre-retirement investment strategies.
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Opinion
Students believe in funding retirement later and independently
From the blog: With grades, graduation and jobs being of immediate priority, there is little concern of retirement plans and pensions among students. Home-owning, holidays and being happy right now are also high up on the list.
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Opinion
Could improved understanding revive the annuity?
Analysis: Many savers have been reluctant to purchase an annuity following the government’s introduction of freedom and choice in 2015, but should they be nudged to reconsider their 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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NewsExperts call for mandatory guidance as FCA targets advice take-up
The Financial Conduct Authority will prioritise retirement income provision within pensions in 2017-18, addressing perceived problems with consumers who do not take regulated financial advice, as some argue schemes should organise Pension Wise sessions by default.