Auto-enrolment defaults lack sophistication in their investment design and this is in large part down to a misguided focus on cost. Employers, consultants and advisers need to switch their focus from cost...
After contribution levels, investment performance is arguably the biggest determinant of outcomes in retirement for today’s DC savers. That performance will to a large extent be determined by the asset allocation decisions...
Employers signing off the fund choices for their defined contribution pension schemes have been so keenly focussed on price that they are overlooking the potential value in well-run active management strategies, according to...
The industry breathed a metaphorical sigh of relief when the Chancellor Philip Hammond announced no planned rise in Insurance Premium Tax (IPT) in last November’s Budget. Whether this came in response to...
The Pension Regulator is actively supporting – if not quite championing - pension scheme consolidation for both DB and DC pensions. For DB the aim is to increase the financial resilience of...
The impact of the ageing population on the nation’s workforce is accelerating. The increase in older workers is helping the UK tackle its rising dependency ratio and it skills shortage, expanding the...
Next month the Department for Work and Pensions will outline tentative plans on the best way for UK pension schemes to consider “social impact” factors when making investment decisions. The publication –...
For advisers looking to deliver value for their clients and grow their business, the international stage is where it’s at. The number of multinationals is growing apace, as is the widening pool...
Corporate cash plans continue to shine, with the latest figures from LaingBuisson showing the market grew by a chunky 11.8 per cent in 2016 to cover a record 1.01m employees. And, with their...
Wide variations in performance, risk, charges and attitude to environmental, social and governance factors are making life increasingly complicated for workplace advisers recommending schemes. As the DC market evolves, the range of...
