Opinion

I have spent two decades talking to financial planners about technology and learned one thing which is that the profession is the ultimate chameleon.  We’ve evolved from the manual grind of stock...

Collective defined contribution pension schemes (CDCs) offer opportunities for better retirements than traditional DC schemes. That prize is eye-catching: the DWP’s own recent press release claimed “retirement incomes could increase by as...

The UK defined contribution market is entering a critical phase. Consolidation is accelerating, master trusts are absorbing smaller schemes, and policymakers are increasingly framing one idea: that scale is the defining test...

The government has made no secret of its desire to use pensions to boost the economy. The problem, as the government sees it, is that British pension funds are not investing the...

For global investors, portfolios embed two distinct return drivers: the performance of the underlying assets and the translation of those returns back into base currency. While the former is usually deliberate, the...

Value for money (VfM) is under the spotlight again. The FCA has published an updated consultation on the new framework for contract-based DC schemes, with equivalent rules being established for trust schemes...

The latest consultation on a new value for money (VFM) framework marks a significant step forward for the industry. There is much to welcome in the direction of travel: a forward-looking approach...

The UK pensions industry is entering one of the most consequential periods of reform in its history. The drive to create mega funds, the long-awaited delivery of pensions dashboards and intensifying scrutiny...

The UK’s healthcare system is under unprecedented pressure. NHS waiting lists remain at record levels and continue to grow faster than capacity can withstand. Health conditions that could have been treated early...

It’s clear that how we use digital services is changing. While master trusts focus on engaging members and employers in new ways, there’s still a noticeable gap between pension apps and those...