All articles by Employee Benefits – Page 125
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Supplier article
Auto-enrolment: escalating penalty notices quadruple
The number of escalating penalty notices issued by The Pensions Regulator (TPR) quadrupled in the first quarter of 2016, with fines ranging from £50 to £500 a day.Employers who fail to heed 28-day warning notices risk a fine that increases each day. TPR says more than 95 per cent of ...
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Red Letter Days adds new brands to Lifestyle Voucher
Incentive and reward experts Red Letter Days for Business has extended the offering of its shopping and leisure voucher, Lifestyle, with the addition of 12 new brands, giving employees and customers access to an even larger choice of high-profile retailers.The new brands include:SuperdryFatFaceDECATHLONCosta CoffeeBootsSwarovskiTVPlayerSquare MealNational Book TokensRegisSupercutsHotel ChocolatAndy Ling, head ...
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China: growth defence or another debt-fuelled boom?
By Douglas Turnbull, Head of Chinese Equities at NeptuneFollowing recent stimulus efforts from Beijing, Neptune’s Douglas Turnbull examines how the government’s long-term reform agenda can be balanced with supporting growth and addressing structural challenges, and the investment opportunities arising from this.Click here to read moreImportant information: Investment RisksNeptune funds may ...
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Are we all Millennials now?
The Millennial generation, or Generation Y, consists of those people born between the early 1980s and the early 2000s.There are many negative stereotypes about this generation: that they are self-absorbed, greedy1 and disloyal2 amongst others. There are also positive stereotypes, but whatever you choose to believe about Millennials the fact ...
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Rousseff impeachment: what would it mean for Latin America?
Thomas Smith, manager of the Neptune Latin America FundLatin American equities have performed strongly so far in 2016, returning 27 per cent in sterling terms. Much of this move has been driven by newsflow from Brazil, with markets reacting positively to the government voting to impeach President Dilma Rousseff and ...
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Time for a new approach to asset allocation
Trevor Greetham, RLAM’s head of multi asset, introduces the recentlylaunched RL GMAPs.Asset allocation has become an increasingly difficult challenge for investors and advisers in the years since the financial crisis. Sometimes violent price swings in stock and commodity markets coupled with the collapse in the rate of interest on bonds ...
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OpinionEvan Davidge: How to engage a multi-generational workforce with benefits
There are several different ways of cutting a multi-generational workforce but most research shows that there are five distinct age segments, ranging from traditionalists (1928-1944) to generation Zs (1995+). A lot has been written about the wants and needs of different generations in terms of how they perceive work and ...
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Supplier article
Re-enrolment and the new marketplace
Most of the headlines written around Auto-Enrolment (AE) are rightly focused on the legions of smaller employers who are yet to comply with this new pension legislation. Such stories are of course necessary, yet they perhaps gloss over the needs and requirements of those employers that have already successfully navigated ...
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Supplier article
Can the LISA and pension sit comfortably together?
As announced in the Budget, the new LISA will be available from April 2017 for individuals under age 40. Contributions will be topped-up by the government by 25% with an annual savings limit of £4,000.It can be used for buying a first home (up to a value of £450k) at ...
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BHSF marketing manager wins young achiever award
The team at BHSF, the Birmingham-based health and wellbeing business, was celebrating after its Marketing Development Manager was presented with the Young Achiever of the Year Award from the Birmingham Insurance Institute.Marketing Development Manager for BHSF, Chris Snookes beat off stiff competition from insurance professionals across the region to take ...
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Supplier article
Changing faces for changed times
by Philip Wood, sales and marketing executive director, Health ShieldNew benefits and services are being added to health cash plans to create extra valueThe need for employees to find a way to cover healthcare costs is certainly not a new problem. Before the introduction of the National Health Service (NHS), ...
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Supplier article
Automatic enrolment and master trusts among top 10 priorities for TPR
The Pensions Regulator (TPR) has revealed its top ten priorities until 2019 in its corporate plan. These include protecting consumers from poorly run master trusts and ensuring micro employers comply with auto-enrolment.TPR’s top 10 priorities until 2019 Successfully implement automatic enrolmentProtect consumers from poorly run government master trustsEffectively regulate defined ...
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Supplier article
Are you getting the best from your adviser?
Since January 2013 all advisers have had to charge clients for their services, because they are banned from taking commissions that could influence their recommendations. A deadline for member-borne fund commission for existing schemes was imposed for April 2016.This now presents you with the opportunity to learn more about the ...
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Supplier article
Budget 2016 provides employees with a helping hand towards the cost of advice
From April 2017, the tax and national insurance relief for employer-arranged pension advice will increase from £150 to £500.Jonathan Watts-Lay, Director, WEALTH at work – a leading provider of financial education in the workplace supported by guidance and advice comments: “We welcome any incentive which gives more employees access to ...
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Supplier article
The importance of employee benefits provisions for SMEs
By Philip Penning; Consultant at Xerox HR ServicesThere is a school of thought and long held assumption that, to receive full, competitive, and well valued employee benefits packages, you need to be working for a large corporation. In order to really get the providers of such benefits excited and prepared ...
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Supplier article
Money Advice Service to be absorbed into a new government service
In the Chancellor’s recent Budget announcement it was confirmed that the free and impartial Money Advice Service set up by the Government is to be abolished and replaced with a “slimmed down” version.The Pensions Advisory Service (TPAS) and Pension Wise will be restructured and the two new bodies will provide ...
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Supplier article
The new State Pension entitlement
As many of you will have heard via the national media, the new State Pension began on the 6th April this year.Although this pension entitlement does not directly form part of employer sponsored benefits packages, it is nevertheless a cornerstone of the financial planning that your employees will be undertaking ...
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Supplier article
Does volatility create opportunities?
Do macro headlines create white noise which impacts market prices? Portfolio Manager at Harris Associates, David Herro, discusses how market volatility can create opportunities to buy good business at a discount.
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Supplier article
The pension changes – one year on
Jonathan Watts-Lay (JWL), Director, WEALTH at work, discusses the impact of the pension changes one year on with Tony Suckling (TS), Director, Asset.tv. Watts-Lay talks about how much has actually changed, if employers have adapted to the changes, what employers are doing to support their employees and when employees should ...
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Supplier article
Natixis Portfolio Clarity: UK Portfolio Barometer
What does a well-diversifed portfolio look like? What were the quarterly trends in model portfolios in Q4 2015?The Portfolio Barometer highlights trends uncovered by analysis of 210 model risk-rated portfolios managed by UK financial adviser and wealth management firms in the three months from October to December 2015. The model ...