Analysis – Page 14
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Analysis
Is an active or passive default fund best for DC pension schemes?
If you read nothing else, read this...Passively managed default funds are set up to track various indices, for example the FTSE 100. The fund is managed by a computer program linked directly to the stock market that is being tracked.Actively managed funds, using human intervention, aim to outperform indices.Passive funds ...
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Analysis
Switching from defined benefit to defined contribution pension can be a positive step
If you read nothing else, read this…Changes in life expectancy, the economic downturn and mobility in the labour market have contributed to the shift from defined benefit (DB) to defined contribution (DC) schemes.Many staff perceive DB plans to be of greater value than DC, but this is not necessarily so. ...
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Analysis
Pensions roundtable: How to offer a defined contribution pension
In the past, defined benefit (DB) plans operated on a trust basis - a proven format offered along with independent oversight supplied by a board of trustees assisted by professional advisers.But the mass migration to defined contribution (DC) pensions has changed this and put more responsibility on the employer. This ...
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Analysis
Make sure defined contribution pension default funds are dependable
Most defined contribution scheme members choose the plan's default fund, so employers should make sure it is not a bad option, says Jenny KeefeIn an episode of The Simpsons, Homer achieves one of his dreams by becoming a Nasa astronaut. It looks like his buddy, Barney, will be the one ...
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Analysis
New trends for DC pension default funds
Most defined contribution pension members use schemes' default funds, but investment trends are changing, says Matthew CraigIf you read nothing else, read this...Some 82% of defined contribution members do not actively decide where to invest.Their contributions go into a default fund, which generally aims for positive returns without excessive risk-taking. ...
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Analysis
Do Sipps spell an end for GPPs?
Self-invested personal pensions are putting the popularity of GPPs under pressure as employers and employees seek greater flexibility in their investment options, says Tom WashingtonIf you read nothing else, read this…- Group personal pensions (GPPs) are a contract-based defined contribution occupational pension vehicle.- Their popularity was threatened in 2001 with ...
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Analysis
How employers can prepare for 2012 pension reforms
Updated on 10 Decemember 2012:For the most up-to-date facts, analysis and news please go to our dedicated pensions auto-enrolment section.Read Special report on auto-enrolment (written December 2012)Updated on 15 January 2012:Read updated reports on how to prepare for the 2012 pension reforms:News:Government confirms new staging dates for auto-enrolment (written January ...
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Analysis
Buyer’s guide to group personal pensions
gPPs have become the workplace pension of choice for many employers, says Tom WashingtonWith employers' continuing migration from defined benefit (DB) to defined contribution (DC) schemes, group personal pensions (GPPs) have become the workplace pension of choice for many organisations. From a new business point of view, the GPP market ...
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Analysis
What does the future hold for group personal pension schemes?
Making the switch from defined benefit (DB) and trust-based defined contribution (DC) pension schemes to contract-based schemes, including group personal pensions (GPPs), is a well-established way for employers to reduce their exposure to risk, as well as the time spent on governance and red tape.For a while earlier this year, ...