Opinion

Malcolm McLean discusses the merging of three government advisory bodies into MoneyHelper

Baroness Ros Altmann argues that net-pay schemes do not offer value for money for lower paid workers

Kim Gubler wants dashboards to be launched as soon as possible but notes challenges with personal data matching will mean the primary focus should be on ensuring pensions are correctly found not on displaying income amounts.

Jacqui Woodward says small schemes may struggle to deal with the myriad issues highlighted in TPR’s annual update.

Girish Menezes says we must recognise the evolution of administration and its many functions.

The dynamics of pension scheme cashflows change, and can change rapidly, David Fairs says.

Graeme Riddoch says tools to help get members online have moved from the prehistoric era

Graeme Delf says training is vital to ensure schemes understand where advice to members is good quality.

Dawn Heath says the government has abdicated responsibility to the regulator over how to apply new criminal sanctions.

Doing nothing is easy. When it comes to making decisions, many of us are primed to follow the path of least resistance. We stick with defaults and we don't bother with "the hassle".