Pensions

The big chill

Iain Laws, director at reward consultancy Enrich, says: "In the recession of the early 1990s employee benefits were sacrificed for survival among small businesses. Medium and larger enterprises focused on containing costs...

Offshore or up the creek?

Yet despite the recent upheavals, offshore providers and IFAs say that while care needs to be taken when considering investing client monies abroad, such products can still be beneficial for the right...

Distressed assets

"The threat of redundancy is like a dark cloud for many people. This can affect people in the workplace, whether it's their position that's at risk or that of their partner," says...

Final opportunity

Opportunities for product development in the realm of income protection have arisen on the back of the trend for employers to switch from defined benefit to defined contribution pension schemes. In the...

Bank Rupture

But the Committee of Reference, its filtering body which is independent of F&C and Friends Provident, reckoned that financial services companies had changed and so it agreed to revise its criteria: 'in...

What lifestyle choice

The unprecedented volatility of the last 18 months has undoubtedly created clear groups of winners and losers. Investors who were in lifestyling funds and are retiring now will have done well out...

Standard delivered

Poring through the minutiae of all things technical in the world of pensions means he gets little chance to play the guitar these days. Controversial and opinionated, with the technical detail to...

Target for today and tomorrow

Firstly, a key area to consider is the investment proposition. While employers may be keen to provide their employees with a wide range of investment choice, it can be a confusing experience...

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