Opinion

David Curtis says fixed income is now entering a 'cycle-aware' phase, where investors need to be more conscious of risk.

Robin Ellison says regulators need to seize the initiative and explain both to themselves and to scheme members that investment risk is a good thing.

After the government's auto-enrolment review found 12 million people were under-saving, Jonathan Stapleton says changes are needed to ensure young workers can afford to retire.

George Currie says policy-makers and industry stakeholders must find ways to help the 12 million people who are under-saving for retirement

Richard Favier says extending the 12-month period would result in a lot of companies seeking to pass their pension debts to the PPF

Henry Tapper says as the initial euphoria of 'never having to buy an annuity again' wears off, the prospect of freedoms becomes less appealing

Calum Cooper says 2018 should be the year when the pensions industry puts members first, but we won't get there by chance

Con Keating explains why the application of mark-to-market accounting for valuations will result in inequitable outcomes.

Andrew Warwick-Thompson says in Port Talbot we are witnessing the detrimental impact of extending Freedom and Choice to DB schemes

Steve Webb says a Resolution Foundation report offers a surprisingly positive outlook for incomes of future pensioners, but warns we are not out of the woods yet