All Retirement articles – Page 22
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News
High Court ruling ramps up fears over pension liberation
The High Court has ruled against insurer Royal London for blocking a pension transfer where it suspected the receiving fund could be a pensions liberation scheme, prompting industry observers to raise concerns about protections for members, providers and trustees.
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Opinion
FCA discussion paper outlines raft of challenges from ageing population
From the blog: The Financial Conduct Authority has released a discussion paper, 'Ageing population and financial services', aimed at advancing the debate on how the financial services industry can tackle the challenges and opportunities posed by demographic changes.
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NewsLooser regulation needed as over-65s shun advice
Looser rules about financial advice could be necessary, as research shows more than half of over-65s have never sought regulated advice.
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OpinionIll-health pensions – What you need to know
The award of ill-health early retirement pensions can be a challenging and emotive subject for members and decision-makers alike, so it is no surprise that a substantial number of member complaints relate to ill-health pensions.
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News
Retirement expectations at odds with reality
Analysis: People retiring in 2016 expect a retirement income of £17,700 a year, new research has shown, but industry experts have questioned how this figure will be maintained as the decline of defined benefit provision accelerates.
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News
NI government offers early retirement to teachers aged 55+
The Department of Education in Northern Ireland has approved a £33.1m scheme offering premature retirement terms to members over 55 years old to make space for new hires in the workforce.
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Opinion
Sometimes it's hard to be a woman – 3 takeaways from the latest data
I’m sure Tammy Wynette didn’t have pensions in mind when she sang these lyrics in that classic country dirge.
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News
Annuity demand expected to resurge
Annuity sales will increase from this year despite the new pension flexibilities, as retirees recognise their need for a level of certainty in retirement, new research has suggested.
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Opinion
Aligning admin systems in the pre and post-retirement worlds
Managing the risks associated with post-retirement investment is a tricky business. Data specialist Veratta’s Tom Nimmo explains how administration plays a key part in getting it right.
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OpinionSafe as houses?
Editorial: How individuals assess risk and reward is extremely complex. Data from the Office for National Statistics this week showed people would prefer to take a punt on property over pensions to deliver a retirement income.
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News
Northumbria Police pays out £250k to compensate pension loss
Trustees should keep their distance from members' employer disputes, lawyers have said, after Northumbria Police was required to pay out more than £250,000 for discrimination and pension loss, but others argue open communication is critical.
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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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OpinionCould you help your higher earners save more tax-efficiently?
Tax breaks on pension contributions are on shaky ground. Liam Mayne from Aon Hewitt asks whether employers should offer high earners an unregistered pension alternative.
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NewsCourt rules same-sex pension benefit ceiling to remain
News Analysis: Schemes dodged a potential £3bn cost hike this week, as the legal position on the equalisation of pension benefits for same-sex partners withstood further challenge in the courts.
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Opinion
Freedom for all: Why DB should have access to pension flexibility
Pension freedoms were announced with great fanfare in the chancellor’s autumn statement in 2014 and came into effect in April 2015.
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OpinionHow to build flexibility into your DC scheme
Pension freedom can be a daunting proposition for trust-based DC schemes, but PTL’s Alison Bostock says they can find ways to introduce more choice for members.
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News
Cash leads the way on freedoms but further flux predicted
More than half of the £2.5bn withdrawn by pension savers in the three months since April has been paid out in cash lump sums, but experts predict consumers will shift their focus towards more sophisticated products.
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News
Invensys extends Pie to pensioners
Invensys Pension Scheme is expanding its pension increase exchange offering to retired members, as the company plans a bulk exercise for dependants and pensioners.
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OpinionTreasury: Building on the success of the freedoms
Talking Head: Pension freedoms are off to a positive start, says the Treasury’s Harriet Baldwin, but individuals still need help finding financial advice.
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OpinionInnovation in a world of freedom and choice
The advent of freedom and choice does not mean reinventing the wheel; the solutions are already there, says AXA IM’s Stephanie Condra.