All State pension articles – Page 10
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FeaturesEdinburgh University proposes raft of changes to plug scheme deficit
The University of Edinburgh has proposed a number of changes to its defined benefit pension fund to make the scheme more affordable and sustainable, as its deficit has risen by a quarter.
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News
Women undersave due to childcare, but AE carer credits unlikely
Women do not save enough for pensions due to the persistence of the breadwinner model and a lack of confidence in their own financial aptitude, a new study shows. Despite this, a proposal to introduce carer credits to auto-enrolment was rebuffed by the pensions minister this week.
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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
'Gold standard' pensions unattainable for most
Average earners targeting a “gold standard” pension of two-thirds pre-retirement income will need to work to age 77 at statutory minimum contribution levels, a new report has projected, underscoring the key role default levels will play as auto-enrolment matures.
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OpinionJust say it
Editorial: Last Monday a debate took place in the House of Commons after campaign group Women Against State Pension Inequality had handed over a petition asking for transitional arrangements.
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News
Intergenerational fairness debate heats up as inquiry is launched
Analysis: An inquiry into intergenerational fairness, aiming to bring more clarity to the often heated debate about who gets what from the state and employers, has been welcomed by experts.
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Opinion
A year of many firsts lies ahead
Editorial: Happy new year! It started with a bang – a stock market slump, circuit breakers suspending trading in China, China suspending the circuit breakers, and the FTSE falling sharply on Monday and Thursday last week.
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OpinionState pension: No gain without pain
Mazars’ Tim Bateman explains who is set to gain and who will have to bear the pain in the switch to the new single-tier state pension next April.
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News
Voluntary saving is vital to avert poor pension outcomes
Data Analysis: Auto-enrolment and voluntary pension saving are critical to ensure good outcomes for UK retirees, a report looking at international replacement rates has this week has warned.
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News
The Pensions Trust tackles state pension confusion
The Pensions Trust has updated member communications to prepare for the end of contracting out, as research has shown low levels of understanding about the state pension changes.
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NewsAutumn Statement gives pensions industry a breather
The pensions industry has learned to brace itself for surprise over the last couple of years, so was relieved to escape relatively unscathed in Wednesday’s Autumn Statement.
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OpinionAutumn Statement uncharacteristically quiet(ish)
From the blog: Once again the pensions industry pleaded with the chancellor to hold off on any further profound changes, only this time it looks like it got its wish… sort of.
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OpinionGive it a rest
Editorial: A bit of signposting, scheduling and detail. That’s what most seem to be expecting for the pensions industry in Wednesday’s Autumn Statement.
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OpinionShadow pensions minister: Building awareness v expensive publicity
From the blog: Since I became shadow pensions minister the three major issues on my desk every week are the pension freedoms, auto-enrolment and the new single-tier state pension.
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Opinion
Webb: Why widening the AE net risks its delicate consensus
From the blog: There is currently a logical fallacy in the pensions world that runs like this: First, pensions are a Good Thing. Second, millions of people are excluded from auto-enrolment.
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OpinionStoring up a scandal? The risks of cashing in annuities
Talking Head: The Society of Pension Professionals’ Duncan Buchanan argues second-hand annuities could lead to a consumer backlash further down the line.
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Opinion
Altmann sets out on maiden voyage, industry expectations high
From the blog: Pensions minister Baroness Altmann of Tottenham – commonly known in the industry as Ros Altmann – yesterday delivered her maiden speech to the House of Lords, outlining the government’s thoughts on the state pension, consumer protection and what lies ahead for auto-enrolment.
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News
Half of DB schemes unsure how to tackle end of contracting out
Half of defined benefit schemes have not yet decided how they will deal with the end of contracting out, a survey of scheme decision-makers has indicated.
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Opinion
The break between state and private pensions is complete
Talking head: Jargonfree Benefits’ Steve Bee explains why the most recent round of reforms to the UK’s pensions system is a pivotal step on a momentous journey.
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Features
How JPMorgan and RBS give DC members retirement flexibility
JPMorgan and Royal Bank of Scotland are working to offer members of their defined contribution schemes flexibility in how they access their retirement savings, in light of the Budget reforms.