All Pensions articles – Page 91
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OpinionClive Lewis: Pension changes present an opportunity for employers to engage staff
Many employees are unconcerned about the value of their pension scheme, if they have a scheme at all, until they are close to retirement. Indeed, many employees are hard pressed to specify the benefits their workplace pension scheme offers.Two things are changing this situation. First, changes to the rules regarding ...
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AnalysisHow to differentiate a pensions offering to attract talent
Need to know:Pensions differentiation does not have to be all about contribution levels. The first step is to help employees understand the benefit.Master trusts can provide great tools and the complete panoply of post-retirement options.Behavioural science can be harnessed to improve pensions engagement, because employees are more receptive in certain ...
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Supplier article
Learn how pension tax allowance changes affect you
The pension tax allowances are changing (again).Join us at one of our breakfast seminars and help your employees avoid unwanted, unexpected and unnecessary tax charges and fines.Nobody wants to be stung with an unexpected tax bill or fine. But if you don’t know an employee’s total income, what can you ...
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ArticleGovernment confirms cap on early exit pension charges
The government has confirmed a cap on excessive exit charges for those accessing their pension pot early.On 19 January, chancellor George Osborne outlined a proposal to place a duty on the Financial Conduct Authority (FCA) to cap excessive early exit penalties.The FCA will be responsible for setting the level of ...
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Article30% are in favour of changing pensions tax relief
Less than a third (30%) of employer respondents are in favour of changing the tax relief available on pensions, according to research by Hargreaves Lansdown.Its survey of 345 employers also found that around half (53%) of those that support change favour a flat rate of tax relief, with 41% wanting ...
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Supplier article
Auto-enrolment figures – scores on the doors?
The Pensions Regulator (TPR) updated their monthly auto-enrolment (AE) figures this month and so it is an opportune moment to keep our followers informed as to progress on this key issue.The document (which can be read in full here) breaks down the AE data month by month. As of December ...
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Article23% pay a 5% contribution into employees' pensions
Around a quarter (23%) of respondents are paying a 5% contribution into their employees' pensions, according to research by Aegon.Its survey of 508 employers also found that 92% of respondents make a 2% contribution, ahead of this becoming the required minimum employer contribution rate under auto-enrolment from 2018.The research also ...
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Supplier article
The Perils of Passive Investing
The era of loose monetary policy created an environment that rewarded passive investors in the US. However, with the US raising interest rates for the first time since 2006, Felix Wintle explains why he believes active investing will be more important than ever.In the video Felix discusses:The rising cost of ...
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Supplier article
Artemis Global equities: ’15, going on ’16
After an “interesting” year, Peter Saacke separates the so-what stories (the Swiss franc, Grexit) from the ones with lasting impact on global equities.
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Supplier article
Artemis Investments - Global markets: opportunities for stock-pickers
With volatility set to continue, Peter Saacke, manager of the Artemis Global Growth Fund, thinks stock-specific opportunities are on the rise.
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Supplier article
Europe: Nursery slopes
After a flat year for European equities, in which the Artemis European Growth Fund outperformed, manager Philip Wolstencroft is (cautiously) optimistic about 2016.
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Supplier article
Artemis Income’s Adrian Frost: On economics, politics – and his philosophy
The manager of the Artemis Income Fund talks about where – and how – he has found his “two or three” good ideas in 2015, and gives his outlook for dividends in the future.
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Supplier article
Artemis Investments’ Outlook for 2016
Political change and the ‘normalisation’ of interest rates mean 2016 is likely to be another interesting year. But what will it bring for equities – and bonds? Here, a number of Artemis' managers share their views.Click here to read the full article
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ArticleHigh Court rules peripatetic staff are eligible for auto-enrolment
The High Court has ruled that peripatetic workers are eligible to be auto-enrolled into a workplace pension scheme.A judicial review sought by Fleet Maritime Services (FMSB) challenged the Pension Regulator’s (TPR) approach and guidance on peripatetic workers who travel from place to place, working in different locations. The organisation employs ...
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Supplier article
The Pensions Regulator warns half a million small employers to avoid fines
A warning has been sent by The Pensions Regulator (TPR) to half a million small employers of their risk of being fined for not taking action on their workplace pension obligations.The Department for Work and Pensions’ (DWP) ‘Workie’ character, who first made an appearance on our screens in October last ...
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Supplier article
FCA Retirement Income Market Data
Last week the Financial Conduct Authority (FCA) published their collected data under the above title for the period July-September 2015.It should be admitted that ordinarily such a set of figures would hold little appeal for either this article or our readers. Yet these are far from ordinary times for pension ...
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Supplier article
Workie gets mean…
Last year we highlighted the launch of the Department for Work and Pensions’ (DWP) auto-enrolment awareness campaign – fronted by that nice friendly monster Workie.The Pensions Regulator (TPR), however, may not be so cuddly. In early January it issued this statement, with some of the most relevant passages reproduced below ...
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OpinionSusie Logan: Are you focusing on the right things?
2015 was a year of great change. There is no doubt about it, the new pension freedoms have given people unprecedented flexibility when it comes to deciding what to do with their retirement savings.As we look forward to 2016, we need to make sure we offer our employees the right ...
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AnalysisFive predictions for employee benefits in 2016
Need to know:April 2015’s pension freedoms have formed a gap in the market for bespoke pensions.Increasing pressure to publish pay data may lead to more employers doing so voluntarily.Technology and staff-driven benefits are likely to increase in popularity.Through 2016 and beyond, employee benefits will evolve as staff wants and needs ...
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Analysis
How to ensure default investment strategies result in good member outcomes
With the majority of defined contribution (DC) pension scheme members using their scheme’s default investment solution, ensuring this is fit for purpose is vital for employers. There are several key issues that they must address to ensure their scheme’s default investment strategy results in good member outcomes. How have April ...