All articles by Employee Benefits – Page 140
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Seven tips for building your retirement nest egg
By Aberdeen Asset ManagementThe majority of today’s workers are responsible for making their own financial provision for retirement. So what do you need to consider when it comes to building up a retirement nest egg?
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England vs Australia: pensions
In Australia, if an employee earns over a certain amount, their employer must pay 9.5 per cent into their pension (or superannuation fund as it is known in Australia). Furthermore, they employ auto-escalation, so that pension contributions increase every year. In the UK, meanwhile, the total minimum contribution that has ...
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Pensions tax relief consultation…
Should changes be made to the current tax relief system, it would be expected that all workplace pension schemes would be affected, and this would doubtless create additional duties, work and costs for employers in the process. So this consultation is important, and I would encourage employers to respond directly ...
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Take a trip around the world of international benefits
That’s why we’ve created a short video to give you guidance on your key considerations to help you meet your duty of care for employee populations based overseas. In just three minutes we can give you an overview of:Your duty-of-care requirements and the potential consequences you could face if you ...
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Envy — Imitating the index is the poorest form of flattery
By Mike Turner, Investment Solutions, Aberdeen Asset ManagementThis article expands upon the sixth of Mike Turner’s Seven Deadly Sins, which was first published in booklet form in January 2014.When shopping for a product, you expect it to do what it says on the tin. The idea of ‘what you see ...
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Greek bailout: déjà vu all over again
Greece and its creditors have finally reached a deal. So the immediate threat of Grexit has been averted and talks are due to begin shortly on the country’s third bailout. Are these grounds for relief and celebration? The short answer is no, and this note explains why, in three parts: ...
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Greed — if everyone else is investing, probably best you don’t
By Mike Turner, Investment Solutions, Aberdeen Asset ManagementThis article expands upon the third of Mike Turner’s Seven Deadly Sins, which was first published in booklet form in January 2014.What’s the most you would pay for a pretty tulip? A few dollars, perhaps? How about a particularly beautiful midnight blue tulip ...
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Lust — resist the siren call of short-term opportunity
By Mike Turner, Investment Solutions, Aberdeen Asset ManagementThis article expands upon the first of Mike Turner’s Seven Deadly Sins, which was first published in booklet form in January 2014.In the late 1960s, a psychologist named Walter Mischel conducted a series of groundbreaking experiments. The premise was simple: he took a ...
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Great expectations for Japan
By James Dowey, Chief Economist and CIOTurnaround stories are an investor’s best friend. If successful, they prompt a widespread and possibly radical re-evaluation of the fair value of the associated assets. If one is brave enough to re-evaluate early on in the process then the returns can be very large. ...
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An A-Z of bonds
By Aberdeen Asset ManagementAll you wanted to know about bonds, but were afraid to ask!Click on the link below to read the full A-Z guide.
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Tax-free childcare scheme delayed until 2017 – how will this affect you?
This followed a challenge to the government’s plans by childcare voucher providers, which had sought to contest the decision to deliver the new scheme in partnership with National Savings & Investments.The government had originally been intending to introduce the new scheme from this autumn.How will this affect employers and employees?There ...
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Bond bubble: a most unhelpful analogy
By Brad Crombie, Global Head of Fixed Income, Aberdeen Asset ManagementFinancial bubbles have existed for only marginally less time than investment markets themselves. This is because our tendency to get excited and carried away causes them.There is, however, a serious risk of misusing the term 'bubble'. It metaphorically implies an ...
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Buck Consultants launches the Global Vision pensions and benefits platform
David Piltz, head of trustee services at Buck Consultants at Xerox, said: “Trustees are faced with having to sift through an increasing array of documents, data and metrics, as well as regularly changing governance issues, while under pressure to make the right decisions for their employees.“Global vision presents trustees and ...
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So what are savers doing with the new freedoms?
The timing of the event was significant, given that the new pension freedoms announced by the chancellor in March 2014 had just become fully available to many pension savers in the UK. As you will be aware, this rule change allows savers over age 55 to access their pension savings ...
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Jelf Employee Benefits urges employers to act now in light of IPT increase
Employers considering providing private medical insurance (PMI) as a new employee benefit would be wise to do so before November 2015. This increase in tax cannot be avoided but taking action now will delay the impact for another year.Employers considering expanding an existing PMI scheme would be sensible to do ...
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The July Budget: salary sacrifice
This was not mentioned in the Budget speech itself, but the following paragraph does appear in the supporting HM Treasury Summer Budget 2015 document:“Salary sacrifice arrangement can allow some employees and employers to reduce the income tax and National Insurance that they pay on remuneration. They are becoming increasingly popular ...
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When will US rates rise?
By Felix Wintle, Investment Director & Head of US EquitiesThe most recent communication from Federal Reserve chair Janet Yellen has put the market’s sights on September as the most likely month for the first rate rise. This is due to the stronger than expected economic data of late, particularly in ...
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Helping your most valuable asset to manage theirs
No one can deny that the freedoms are a welcome change from the previously rigid and stuffy world of retirement, but does free reign equal better results in retirement for your employees?Opportunities are plenty but so are the risksIn order to truly benefit from these reforms, individuals must be educated ...
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Making pensions and benefits relevant
We wanted to take this opportunity to address the issue of engagement with pensions. Monumental changes to pensions rules means you’ve most likely been doing a lot to help your employees approaching retirement with their planning, maybe even providing them with some education. But what about your other employees? Doesn’t ...
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Health Shield’s Clare Bond competes with Team GB Cycling Team
A recipient of a liver transplant in 2010, Clare will compete in both the 20k road race and time trial events. Clare has previously competed in the British Transplant Games, achieving silver medals in the 400m and 800m track events, as well as the 10k women’s road race. This is ...