In Depth

The master trust sector is set for a seismic shift, with consolidation predicted to surge once the dust settles on the post- authorisation landscape as employers find new homes for their workplace...

Group private medical insurance is perceived by advisers as being the workplace protection and wellbeing benefit most valued by employees, but providers in the sector are less prepared to divulge market information...

Millions of novice DC investors face a myriad of risks as they save for their retirement. Investment strategy, longevity, interest rates, currency, adequacy and the potential of drifting into inefficient or unsuitable...

It is now six months since the Insurance Distribution Directive (IDD) came into force, charged with improving competition in the insurance market, enhancing consumer protection and harmonising sales standards in the insurance industry....

Corporate advisers examining asset allocations for defined contribution pension schemes have historically found their choice severely restricted when considering allocating to illiquid assets. The Financial Conduct Authority’s conduct of business rulebook discouraged underlying...

The DB market is seeing significantly increased scrutiny from the Pensions Regulator, with a clear desire for consolidation of smaller schemes. But will the market actually see significant consolidation? The two large consolidation...

Auto-enrolment has certainly been successful in boosting contribution levels. Opt-out rates remain low, despite stepped contribution increases, and there are now more than 10m people enrolled in workplace pensions, many of whom...

Environmental, social or governance (ESG) factors have shot up the agenda in the DC pensions sector, driven by regulatory action, political momentum and asset manager product development. But confusion remains over what...

The idea of a Government- sponsored web-based pension planning tool has been around for quite some time. Back in the early noughties Labour’s DWP secretary of state Andrew Smith outlined an online planner,...

It was always widely predicted that the workplace pension reforms and accompanying changes to remuneration for advisers would bring a dramatic slowdown in the switching of schemes between providers. The question now...