Opinion

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...

The modern workforce is changing, at a rate faster than some companies can follow. Offices today are huge, multi-generational affairs. Many UKcompanies engage five generations of employees, from the eager digital natives of Generation Z...

For the 90 per cent-plus of millennials who will be basic rate taxpayers while working and in retirement, the Lifetime Isa will produce a larger retirement income than a pension pot. So...

While there is no doubt that the pensions dashboards project has much to offer in terms of consumer benefit, the rate of progress has been painful. Positive though the recent DWP update...