The debate over whether trust or contract pension arrangements are superior is decades old. Yet with such a high level of regulatory change, product development and scale on the master trust side, the answer to the question...
Group risk insurers have been talking generically about early intervention for years - but now they are increasingly doing so in terms of the return on investment such approaches can bring. Premier Choice...
The UK is on course for an all-industry pile-up that could make the crash of 2008 look like a mere prang. And the really worrying aspect is that the vast majority of...
Now: Pensions revealed poor performance over three years when compared to the other 24 defaults in the Corporate Adviser Master Trust Defaults report. Its default returned 2.4 per cent annualised in the...
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...
