Opinion
Retirement living standards will help savers picture their future
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.
Are we heading for a capacity crisis in admin - or are we already there?
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.
Pension schemes bill has low chance of quick resolution
With the spectre of Brexit looming over parliament, Jonathan Stapleton has some scepticism that the pension schemes bill will be enacted any time soon.
MNTs must not be overlooked in governance drive
Regulatory efforts to drive up the standards of trustees must not forget the unique skills and understanding of members that MNTs can provide, says David Weeks
Why pensions considerations are moving up the management agenda
The collapse of Thomas Cook shows how company boards must give greater attention to how pay and dividends contrast to pension scheme contributions, says Stephen Richards .
The next frontier for responsible investment in pensions
While the pensions industry’s approach to ESG has changed considerably since three years ago, there are still opportunities for schemes to take advantage of, says Lauren Peacock.
Buy now while stocks last: Risk reduction ramps up
As the risk reduction market gets busier and busier, Jonathan Stapleton says preparations must become more comprehensive for schemes to gain a foothold.
Fix pensions tax before pushing patient capital investments
With savers facing 100% of the potential downside of patient capital investment, as well as tax implications from the upside, Peter Glancy argues it is not the most enticing proposition.
Trustees should step up to the plate on decumulation
DC trustees must consider taking more responsibility for the financial lives in retirement, says Adrian Boulding.
Pension funds must not miss the opportunity of patient capital
Patient capital investments can help link people and their savings with their real economy, argues Stephen Welton.
DC and ESG: The two key issues for our time
Across the industry, two key discussions are dominating the landscape: ESG and DC investment. Getting the approach to both of these right is vital, says Jonathan Stapleton.
What next for responsible investment in the LGPS?
Local authority schemes must work alongside other stakeholders, in the UK and abroad, to deliver meaningful action on ESG issues, says John Gray
Plans for transfer rules undermine freedoms
Requiring pension freedoms users to transfer their funds into a workplace pension scheme could damage savings further, says Baroness Ros Altmann.
Setting a benchmark for DC investment
With NEST announcing plans to invest 5% of assets in private credit, Jonathan Stapleton queries whether other schemes should be following in its footsteps
Investment beliefs: myth or reality?
Scheme investment strategies should focus on the needs and desires of members, but head should always overrule heart, says Alan Pickering
Towards a value for money metric
Costs and fees are just a small part of the overall value for money definition, argues Con Keating
Why efforts to engage people with pensions will struggle
Pension Awareness Day - the awareness campaign launched by the amazing folk over at Pension Geeks - takes place this Sunday (15 September) and is the culmination of a week-long roadshow across the country aimed at making the topic of pensions more appealing....
Star: Defining and demonstrating transfer excellence
Schemes already face a legislative requirement to carry out transfers promptly and efficiently, so they should voluntarily get on board with the industry-developed solution, says Tom McPhail
Why TPR is asking whether professional trustees should be mandatory
Professional trustees can improve scheme governance, clear up misunderstandings, and ensure regulatory compliance, argues David Fairs
Is the current pensions tax relief system fit for purpose?
The government must conduct a fundamental review of tax reliefs and allowances to reduce complexity and confusion, says Malcolm McLean
Wind of Change: Trustees and their functions and responsibilities
Faced with greater regulatory requirements, trustees must truly get to grips with all of their responsibilities, argues David Harris.
Demolishing the tax structure
Any changes to pensions taxation must be deliberate, planned and controlled, with a clear end objective in mind, says Richard Butcher
What is value for money in DC pensions?
It is perhaps inherently difficult to find an agreed definition of value for money, but some methodologies could act as a stopgap, argues Jonathan Stapleton.
Remember, remember the 10th of December…
Trustees risk leaving their scheme ungovernable if they do not get in place strategic objectives for investment advisers, warns John Paterson.
