Michael Johnson
LISA or a pension pot… or both?
Michael Johnson compares a pension pot with a Lifetime ISA from the perspective of a millennial
Opperman: Employers will follow Royal Mail on CDC 'without a shadow of a doubt'
Large firms will follow the postal service's lead on introducing collective defined contribution (CDC) schemes if it works well for management and employees, the pensions minister says.
Michael Johnson: CDC is a 'risk too far' and with-profits better
Collective defined contribution (CDC) schemes risk creating "irreversible intergenerational injustice" and could undermine pension freedoms, Michael Johnson says.
How to bridge the intergenerational gap in pensions
The Association of Consulting Actuaries has proposed a 'national flexible ISA' and tax reform to improve intergenerational fairness. Kim Kaveh looks at how these would work
Michael Johnson: I did not foresee consequences of Freedom and Choice
The pension freedoms have had unintended consequences which should have been foreseen, Michael Johnson has said.
Government urged not to introduce law to equalise benefits for cohabitees
Extending survivor benefits to unmarried partners would increase liabilities and be a lawyers' paradise according to PP research.
Have your say: Is it time to equalise survivor benefits for cohabiting couples?
This week we want to know if the government should introduce a law to equalise benefits for cohabiting couples, and if the law balances the needs of shareholders and members.
CPS: Reform AE tax to help low earners and save £10bn per year
The Centre for Policy Studies (CPS) has called on the government to reform incentives for auto-enrolment (AE), which it estimates could save the Treasury £10bn annually.
Does the industry need to get on board with LISA?
As the LISA launches to the public, the industry may need to play a role in ensuring savers get the best possible outcome. James Phillips explores its potential future
The finishing straight: Preparing employees for retirement
Jonathan Stapleton takes a look at how employers can help their members through the at-retirement journey and ensure they are getting the right support to make decisions.
Pensions Buzz: Abolition of triple lock most useful proposal in Cridland report
The state pension triple lock is too expensive to keep long term according to Pensions Buzz respondents.
Have your say: Should AE savers default to drawdown at 55, and annuities at 80?
This week we want to know if Michael Johnson's idea for auto-drawdown at age 55 and auto-annuitisation at age 80 could reduce financial risk to savers.
AE savers should default to drawdown at 55, annuities at 80, says CPS
The Centre for Policy Studies (CPS) has called for savers to be "automatically protected" in retirement by phasing them between drawdown and annuitisation.
Pensions dashboard could be the 'ultimate disruptor'
The dashboard is potentially the ultimate disruptor as its remit could go far beyond pensions, Michael Johnson has said.
The earlier you get a wake-up pack the better says industry
People should receive their wake up packs earlier to make good retirement decisions according to PP research.
Have your say: when should people receive wake-up packs?
This week we want to know when the is best time for people to receive their wake-up packs and if a new workplace ISA would undermine auto-enrolment.
Michael Johnson: introduce workplace ISA to keep lid on opt-out rates
The UK should establish a workplace ISA to reinforce auto-enrolment (AE) and avoid high-opt rates according to Centre for Policy Studies research fellow Michael Johnson.
Government should replace LGPS with DC scheme through NEST, says Johnson
Pooling the local government pension scheme (LGPS) into infrastructure-focused funds is mere tinkering and will not be enough to repair its deficit hole, according to Michael Johnson.
Seven radical ways to overhaul the LGPS
Centre for Policy Studies research fellow Michael Johnson has proposed seven ways to make the local government pension scheme more sustainable.
Nuclear option: Why pension tax relief must remain untouched
ISA-style pensions 'spell disaster'
LGPS fund management costs rise 51% in one year
The local government pension scheme's (LGPS) reported investment costs have increased to £748m and charges per member have more than doubled in six years, according to a report.
What will standardised assumptions across LGPS reveal about its true deficit?
Plans to measure LGPS funding levels consistently from 2016 will give a more realistic picture of the scheme's health status with many funds expected to come out worse, writes Stephanie Baxter
Michael Johnson lays out ten-point plan to reform tax relief
The government has been urged to scrap tax and national insurance relief on retirement savings and replace pensions with ‘ISA warehouses' in a radical shake up.
Why the UK pension system is unsustainable and how it could be fixed
Peter Askins says a simple system of tax credits is the answer
