Tax simplification must return to the top of the government’s pensions agenda in order to boost saving potential, says Alan Pickering.
While it may be tough for small schemes to manage their approach to ESG-related investment risks, there are ways to meet this fiduciary responsibility, says Richard Butcher
Jonathan Stapleton explains his fascination with numbers...
While the pension schemes bill was said to command cross-party support, Brexit and acrimonious parliamentary debates are leaving its success in doubt, says Malcolm McLean.
Government plans to increase the general levy will disproportionately hit members who have been auto-enrolled, says Darren Philp
Trustees need to increase their focus on investments and demand more from their advisers, argues Donny Hay.
This year’s election marks the seventh time I have been able to cast my vote at a general election but I can honestly say it is the one I am looking forward to least. I can hardly wait until it is all over.
As more schemes reach a fully funded status, it is important that the risk-averse environment is not codified into regulations, says Paul McGlone.
Without specialist help, smaller DB schemes are being left behind in a bulk annuity market increasingly focused on mega-deals, says Rob Dales.
Interest around DB consolidators is high but there remains regulatory uncertainty around their future. Lesley Carline looks at what the future might hold for this section of the market.
Pensions are too complex an issue to discuss on the general election campaign trail. Steve Webb says this is probably a good thing.
With the law not adequately protecting savers from scams, the pensions industry must be more direct with members about the risks of transfers, says Margaret Snowdon.
Without proper support from pension professionals, savers are left vulnerable to attacks on all sides, says Henry Tapper.
Waiting for the mid-2020s to allow AE members to save from the first pound means they will miss out on big boosts to retirement pots, says Nigel Stanley.
Consolidation is ongoing in the pensions advisory world, with no signs of abating. Jonathan Stapleton asks whether now will be seen as the high point for pensions consulting.
A pensions commission would provide an opportunity to get past short-termist thinking in a political world dominated and saturated by Brexit, says Rory Murphy.
The volume of regulation and the cost of regulators has risen sharply over the past decade. Robin Ellison asks if it is time for a rethink.
Failure to include auto-enrolment reforms in the Queen’s Speech and the pension schemes bill will make big problems even bigger, says Jack Jones.
While private credit mandates may not be straightforward to set up, they are a reliable source of income with lower default risk, says Mark Fawcett.
The industry has had little success engaging members with pensions over the past 20 years. Jonathan Stapleton says two initiatives currently underway may change this in the future.
With a raft of changes mapped out for the industry, pensions minister Guy Opperman says reforms will place customers at their core.
The industry constantly talks about the need to engage members. Gregg McClymont says a more important priority is how to ensure all schemes are governed well.
The retirement living standards must be widely adopted by schemes to help millions of savers truly understand how to achieve the retirement lifestyle they desire, says Nigel Peaple.
With schemes facing more administration tasks than ever, it is important the industry attracts new talent to help with potential capacity problems, says Kim Gubler.