All Pensions articles – Page 96
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ArticleGovernment consults on pension member-borne commission
The government has launched a consultation into the most effective means of regulating to prevent charges being imposed on members of workplace pension schemes used for automatic enrolment to recover the cost of commission paid to an adviser.This consultation follows the government’s announcement in March 2014 that it intended to ...
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Article14 per cent of staff over 55 are targets of pension scams
More than one in ten (14%) respondents aged 55 and over have been targeted by pension fraudsters since the introduction of the pension freedoms in April 2015, according to research by employment benefits consultant Portus Consulting.Its survey of 1,088 workers over the age of 50, including 789 employees over the ...
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Supplier article
Beyond Allocation: The changing role of advisers and their value to clients
Advisers need to assume three key roles
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Supplier article
India rate cut – more to come?
Kunal Desai, Head of Indian Equities at Neptune Investment ManagementIndia’s stockmarket rallied this week following news that the central bank was cutting interest rates more aggressively than expected. Commenting on the rate cuts and what this means for India’s economic growth, Kunal Desai notes that there were two important details ...
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Supplier article
How does the Fed’s decision impact UK interest rates?
Holly Cassell, Assistant Manager of the Neptune UK Opportunities FundThe decision of the Federal Reserve not to raise US interest rates at its September meeting was met with surprise by many, and has been blamed by some as the chief catalyst for the global market volatility that followed. How does ...
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Supplier article
Don’t be fooled: The oil price has changed for a generation
Chris Taylor, Investment Director & Head of Research at NeptuneThe oil price has more than halved over the past 18 months. Many market participants assume this is a temporary phenomenon. We believe they are wrong. Our analysis of the changes taking place in the real world suggests the oil industry ...
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Supplier article
ABERDEEN VIDEO Attractions of an unrestricted approach - Strategic Bond Funds
Strategic bonds funds have quickly become an important feature of many portfolios. Not all strategic bond funds are quite as 'strategic' as their title may suggest.Watch the video
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Supplier article
Robin Geffen responds to market volatility
By Robin Geffen, Fund Manager & CEO This is a testing time for investors. Over the past year the market has been driven forward by strong fundamental trends underpinned by changes in the real world, but over the past month a more animalistic sentiment has sent shares plunging. As we ...
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Supplier article
Japan: There is more medicine to come
By James Dowey, Chief Economist & CIO In a Q&A James Dowey, Chief Economist & CIO, looks at the recent impact of China on Japan and explains why the medicine itself of Abenomics – as distinct from the effects of the medicine – is extremely important for Japanese equities.Click here ...
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Supplier article
Uncertainty lifted with MPs behind Tsipras
Rob Burnett, Head of European EquitiesAlthough slightly down on their previous election result, Syriza managed to win just over 35 per cent of the vote in Sunday’s election, seeing off the challenge of New Democracy. While this is still short of a majority, Syriza will once again go into coalition ...
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ArticleTate and Lyle Sugars boosts pension contributions via salary sacrifice
EXCLUSIVE: Some 90% of Tate and Lyle Sugars’ employees have taken up pensions salary sacrifice since the arrangement was launched in July 2015. Following the introduction of salary sacrifice as part of the employer’s group personal pension (GPP) scheme, Tate and Lyle’s 560 UK employees’ pensions contributions have increased by ...
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Article92% view the introduction of auto-enrolment positively
Almost all (92%) of respondents believe that it was a good idea for the government to introduce auto-enrolment, according to research by Hargreaves Lansdown.Its survey of 635 employees, which marks almost three years since auto-enrolment’s initial implementation in October 2012, also found that just 30% of respondents are aware of ...
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Case StudiesPeel Ports Group puts staff at heart of reward strategy
The organisation is currently creating a deep-water terminal for containers, Liverpool 2, which will result in an expanded workforce. An additional 480 roles will be created, along with around 5,000 additional supply jobs in the north west of England.Due to open at the end of 2015, Liverpool 2 is a ...
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AnalysisWhat are the latest trends in default investment strategies?
If you read nothing else, read this…The pension freedoms and auto-enrolment have impacted default funds.Default investment funds should offer employees choice and future-proofing in order to be effective saving tools.Employer communication is vital to ensure staff are aware of their options and what the default fund entails.Opportunity for changeThe pension ...
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Case StudiesCancer Research UK diversifies default fund
Cancer Research UK (CRUK) replaced its equity-based default investment fund with a more diversified, less traditional option following the introduction of April’s pension flexibilities. Since then, of CRUK’s 800 staff, and those who left its defined benefit (DB) pension scheme when this was closed to future accrual on 31 March ...
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OpinionRob Barrett: Pension schemes must meet new freedoms
Since the government pension reforms in April, many pension providers have been reviewing their default funds. They have looked at whether their products will continue to meet the needs of their investors, and whether they are providing what people are looking for in the new environment.In particular, plans have looked ...
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Article
61, 62, Buyer's guide to group personal pensions
What is a group personal pension (GPP)?A GPP is a contract-based pension scheme that is arranged by an employer, but each scheme member holds an individual contract directly with the pension provider.What are the origins of GPPs?GPPs were launched in 1988, after personal pensions replaced retirement annuity contracts.What are the ...
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Analysis
33: LV= industry insight - Good retirement advice is key to good retirement outcomes
The radical changes to pensions mean that employees now have much greater flexibility and choice over how to access their pensions than ever before. The ability to take as much as you like from your pension when you like, combined with the tax changes to allow wealth transfer, offers the ...
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ArticleHeineken agrees £2.4bn pension longevity swap
Heineken has entered into a longevity transaction for its defined benefit (DB) pension scheme with Friends Life, which is now part of Aviva.The longevity swap transaction covers £2.4 billion of pension liabilities and insures the longevity risk for 19,000 pensioners who are part of the Scottish and Newcastle Pension Plan.The ...
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ArticleNational Grid agrees £13bn defined benefit pension mandate
The board of trustees of the National Grid UK Pension Scheme (NGUKPS) is entering into a long-term agreement with Legal and General Investment Management (LGIM) for the management of £13 billion of the scheme’s assets.LGIM will acquire 100% of the share capital in Aerion Fund Management, which is fully owned ...