All articles by Employee Benefits – Page 128
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Pension freedoms – a year older, a year wiser?
Nearly one year on from the introduction of the pension freedoms what has changed for defined contribution scheme members, how are employers engaging with wider options for employees? The pension changes have brought a whole new range of options to consider. Individuals now have to think about whether they want ...
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State Pension Age reviews
It has recently been announced by the Department for Work and Pensions that former CBI Director General John Cridland CBE has been appointed as independent reviewer of State Pension Age (SPA).A regular review of SPA is necessary to ensure that the retirement age remains relevant in a world where society ...
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Pension tax relief: parked (for the moment)
The national news agenda has been dominated by pension issues this month.For those that missed it (and there cannot have been many given that this was the lead story in spoken and written media), the Chancellor announced a decision to make no decision on pension tax relief in his 16March ...
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Brexit and the mid cap buying opportunities
Video update from Mark Martin, Head of UK Equities, Neptune Investment ManagementWith the Brexit referendum scheduled for 23 June, how much risk is priced into the market and is the current volatility a long-term buying opportunity?Watch Mark Martin, Head of UK Equities, and Holly Cassell, Assistant Manager on the UK ...
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Don’t play chicken with the Bank of Japan
By Josh Ausden, Head of Client Investment Strategy, Neptune Short-term yen strength has hurt the Neptune Japan Opportunities Fund but recent events have only added weight to our conviction that the Bank of Japan will act to ease policy, boosting multinationals’ profits and weakening the yen.In recent weeks the performance ...
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Europe: why persist with value today?
By Rob Burnett, Neptune’s Head of European EquitiesThe Neptune European Opportunities Fund remains committed to a value bias. We see a broadening array of opportunities in diversified industries at compelling valuations today.The most complicated part of the market is the European banks. We are currently overweight in this sub-sector as ...
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Equip your employees
Your employees are the cornerstone of your business; they have the potential to make your company prosper. As an employer it is your duty to equip them with all they need to develop and grow.It’s easy to leave staff to their own devices, however it’s important to support them and ...
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Are you ready for Gen Z?
While many organisations are still just beginning to adapt their workplaces for Gen Y, the next generation – Gen Z, born between 1995 and 2010 – has already begun its debut into the working world. Senior Communication Consultant Caitlin Crowley looks at the issue that’s about to hit companies around ...
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Long-term health conditions: some recommendations for employers
It was just two weeks ago today that Steve Herbert, Head of Benefits Strategy at Jelf was speaking at our latest sell-out London Employment Seminar. One of his themes that day was the UK’s productivity deficit, and the impact of an ageing workforce in the workplace. For coverage of some ...
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Love your executives
You might think you don’t need to worry about your executives when it comes to employee benefits, but just because they have more responsibility at work and a bigger pay cheque doesn’t mean they don’t need your support.What’s the issue?Your executives might be the ones running your company so you’d ...
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Pension savings: Out of the woods?
Last week HM Revenue & Customs published some encouraging figures regarding the levels of pension savings in the UK. For a brief account of this issue please see here.These figures have been interpreted by some as evidence of a newly improved savings culture, and the fact that savings rates have ...
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The national living wage and salary exchange
Most individuals aged 25 or over on the national minimum wage (NMW) will see their salary increase by 50 pence per hour from 1 April 2016.This article provides more information on how this change affects salary exchange arrangements.Who does this change affect?Individuals aged 25 and over with salary exchange arrangements ...
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Financial Advice Market Review - support for advice
By Fiona Tait, Pension SpecialistRoyal London firmly believes in the value delivered to clients by financial advisers, not just for one-off events but on an ongoing basis.This is a position we continue to hold in our consultation responses and external communications while always questioning whether there are ways in which ...
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Employer fined more than £10,000 for auto enrolment failings
By Jamie Clark, Business Development ManagerWe take a look at the Pensions Regulator’s latest auto enrolment compliance bulletin and the lessons that can be learned from it.With up to half a million smaller employers expected to reach their staging date during 2016, it’s likely that the Pensions Regulator (and the ...
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Johnson Fleming is a finalist in UK Pensions Awards 2016
Johnson Fleming has been announced as a finalist in the Employee Benefits Consultancy of the Year category.The Employee Benefits Consultancy of the Year is a new category for the 2016 UK Pensions Awards, due to the increasing role that consultancy is contributing to this area.Johnson Fleming was established in 2002, ...
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Love your managers
Carrying on the theme of love, we are moving up the ladder and we want you to show you love your managers. It would be easy to assume that managers, who are often in the mid-stages of their careers with homes and families, are good at managing their money and ...
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Why your clients need some tough love
In any relationship that matters, professional or personal, you should be upfront with someone if you think they’re making a decision or doing something they might later regret. Being honest with someone and having their best interests at heart, however hard the message, is key to building trust in any ...
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What will it take for India to become an absolute winner?
By Kunal Desai, Manager of Neptune India FundKunal Desai recently celebrated his third anniversary as manager of the Neptune India Fund. Kunal has built a strong track record of outperformance since he assumed responsibility for the Fund, delivering a return of 30.3 per cent ompared to the MSCI India Index ...
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Why payroll software may not be the answer for auto-enrolment
Many believe that their payroll software will manage their auto-enrolment requirements either directly or via their accountant.Most payroll software can deliver this but it needs to be established correctly in the first place and there is increasing evidence derived from audits we have conducted that this does not happen.The types ...
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An important reminder… the National Living Wage
We would like to think that all followers of this blog are now fully aware of – and conversant with – the new National Living Wage (NLW) requirements which come into force in April this year.The purpose of this post is not therefore to remind our followers to comply with ...