Opinion

Whether purchasing a product or service, the assurance of quality is paramount. None more so than with medical treatment. But what does quality really mean? And, how do you measure it? For...

Supercentenarians live to 110 or beyond, which coincides with the fact the UK State Pension was first paid 110 years ago. And the world’s first old-age social insurance programme started 130 years...

The tapered annual allowance pension rules are a classic example of bad policy design. The rules are far too complicated, impossible to predict properly and have damaging side-effects which undermine the aims...

Wellness is increasingly becoming one of the key discussion points in the benefits market. That said, much of what intermediaries are deploying is in-person or paper-based solutions. I believe what is needed...

Over the past couple of years, the number of pension schemes mentioning environmental, social and governance (ESG) factors, when talking about their investment strategies, has rocketed. It’s arguably been the biggest topic...

One of the key rules of the digital economy is that consumer expectations are set by their last good online experience. Millions of people thought a Blackberry was a smart phone until...

Never in the field of personal finance was so much owed to so many by so few. It’s not quite Winston Churchill, nor the Second World War, but the spectacular implosion of...

Group life insurance has a specific challenge with the use of two trust vehicles to provide death benefits which purport to do the same thing. Group life insurance is a workplace benefit, paid...

Defined benefit (DB) liability management has grown considerably in the last decade. Enhanced transfer values have stolen most of the headlines – mainly regarding whether DB transfers are in the interest of...

Few people would argue that the primary determinant of how much a saver will get out of their workplace pension is actually how much they put in. While much valuable work has...