Defined Contribution

The US election and EU referendum showed how communicating with people on a gut level is an effective persuasion tool. The pensions industry should take note, writes Stephanie Baxter.

Four years of auto-enrolment (AE) has brought more young savers and low earners into workplace pensions, and even doubled membership among people not directly targeted by the policy.

The Financial Conduct Authority (FCA) has said individuals must be warned about losing employer pension contributions where they opt out to save into the lifetime ISA (LISA).

The Pensions Regulator (TPR) has disputed a report saying UK firms have paid a huge number of auto-enrolment fines unnecessarily.

Capital adequacy for master trusts should be set at a minimum of £2m to ensure a robust and innovative market according to Now Pensions.

Partnering with clients and technology

The perfect pension consultant should put their clients at the heart of everything they do and not offer off-the-shelf products, according to a panel of trustees.

Charges and poor returns can seriously reduce the amount of income people have in retirement. Michael Klimes looks at what can be done to help avoid these pitfalls.

Royal London has seen its auto-enrolment (AE) pensions business grow by 50% in the past year.

The process of appointing a policy holder to an independent governance committee (IGC) is a long and complex process according to Royal London.