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- PENSIONS ADMIN SOFTWARE
Seconds count
The A Day clock is ticking and admin software providers are trying to syncronise their watches. Allison Plager stops the hands and presents some striking findings.
- ANNUITIES
Life long learning
Annuities are becoming more and more important as life expectancy continues to sprial upwards. Howard McWilliam looks at how to be top of the class.
- WOMEN AND PENSIONS
Let’s hear it for the girls
With A Day the financial services industry must tackle the scandalous shortfall in women’s retirement savings. It is an unmissable opportunity to encourage them to save, says Linda McBain.
- DC/GPP SURVEY
Autumn fashions
Big changes in the pensions market mean GPP and DC providers are hot to trot in some brand new styles. Allison Plager looks at how they are cutting their cloth.
- INHERITANCE TAX
The party’s over
A Day poses serious tax implications for members who defer their pensions. Darren Becker explains why HMRC is calling time.
- CORPORATE GOVERNANCE
Grabbing the reins
Corporate governance can be a beast of burden. Howard McWilliam considers how to steer it in the right direction.
- HEDGE FUNDS
The end of the rainbow
With expectations running high as institutions join the hunt for absolute returns, could hedge funds dig up more disappointment than treasure? Howard McWilliam examines the risk-reward trade off
- CONSULTANTS' SURVEY
Busy bees
With the regulatory hive swarming with activity, there is plenty of honey for the pensions consultants. Allison Plager peers in on the buzzing enterprise.
- DISCRIMINATION
Everyone’s invited
As the UK considers how Muslims can be better integrated into its society, should your scheme be doing more? Makbool Javaid and James Malcolm incorporate discrimination rules into the discussion.
- TRUSTEE TRAINING SURVEY
Up to speed?
With the Pensions Act 2004 strapping trustees firmly into the driving seat, who will make sure they are masters of the pensions highway? Emily Colman takes a test drive with some of the training instructors.
- SCHEME GOVERNANCE
Keeping a tight ship
As the industry drifts further into DC waters, it is time to swab the decks and make scheme governance truly ship shape for the 21st century, says Joanne Segars.
- LOCAL AUTHORITIES
Recipe for success
Government backed schemes have a mouth-wateringly good covenant. As such, their assets can whip up some adventurously long term feasts, suggests David Morley.
- DEALING WITH DEFICITS
The big slim
Final salary deficits are swelling despite sponsors feeding their schemes some healthy cash. Howard McWilliam reports on creative diet plans to get them back into shape before they clog the corporate arteries.
- CAREER AVERAGING
Swimming upstream
Against the prevailing current towards DC, some employers are standing firm with career average designs. Tim Cooper reports on their rewards and pitfalls.
- THIRD PARTY ADMIN SURVEY
On your marks
Simplification will sort the men from the boys in the TPA arena. Allison Plager surveys the contenders and assesses their chances of keeping up the pace in the dash to A Day.
- TAX SIMPLIFICATION
Time is ripe
With A Day fast approaching, it is time for schemes to cultivate the necessary changes before the harvest spoils. Deborah Cooper sets out the timetable for action.
- TRUSTEE TRAINING
Turning pro
Bob Scott offers a survival checklist for every educated trustee to parry the punches of the Pensions Act.
- TRUSTEE INSURANCE SURVEY
Cover your back
As the Pensions Act nudges trustees into greater hazards, is their peace of mind worth the price of trustee liability insurance? Allison Plager tests the protection available.
- TRUSTEE BOARD
An FD divided
Anyone wearing the two hats of finance director and pensions trustee will be pulled in conflicting directions. Ian Greenstreet advises on headgear.
- DC LIFESTYLING
Sense of style
With lifestyling now the default option for all stakeholders, Howard McWilliam asks if the mechanism makes sense as a growing trend.
- SURVEY OF PENSIONS LAWYERS
The law of unintended consequences
In pensions legislation, the very best intentions can mushroom into nightmares. James Thomas tracks the legal profession’s sense of horror.
- INVESTMENT SURVEY
Rock solid?
Can schemes stand firm on recent investment returns or could they subside? Allison Plager surveys the performance and optimism of fund managers.
- PROFILE
At the sharp end
TPAS chief executive Malcolm McLean’s position at the public face of pensions gives him cause to support government reform, he tells Howard McWilliam.
- SCHEME FUNDING
Loan rangers
Trustees of underfunded schemes are unsecured creditors and can learn a lot from bankers in pursuing an eventual payment, says Ian Greenstreet.
- PENSION PROTECTION
Sink or swim?
The Pension Protection Fund lifeboat slides down the slipway on 6 April. Chief rescuer Myra Kinghorn mans the bridge. - COMMUNICATIONS
On Message
Make sure no one is left out when spreading the word. In the first of a six part series Hannah Clarke reveals a few secrets of the communicator’s art. Also, Gary Smith explains the rules of engagement for DC communication strategy. - ANNUAL PROPERTY SURVEY
When it rains, it pours
Will spring showers of cash into property bring forth a good harvest – or drown it? Howard McWilliam asks the green fingered experts.
- ELECTION SPECIAL
An age old debate
Alan Johnston MP says that Labour is acutely aware of the problems posed by an ageing society - but we cannot solve them without proper debate. - TAX SIMPLIFICATION SOFTWARE
Luxury models
A single tax regime poses problems for high earners who don’t want to get caught exceeding the lifetime limit. Ian McAdam and Peter McInulty look at the software vehicles for the job. - SURVEY OF SIPP PROVIDERS
Take a SIPP
Could recent developments and the approach of the A Day harvest give SIPPs an even more appealing flavour? James Thomas prepares his palette.
- ASSETS AND TERRORISM
Quixotic policing
Rob ten Wolde asks if pension funds are on a wild goose chase for terrorists while the arms industry goes bizarrely unscrutinised. - PENSIONS IN FRANCE
Belle époche, or ancien régime?
France approaches the quandary of pensions reform from the opposite direction to the UK: it’s pensioners are simply too well off. Angus Sibley tells how it got that way and how things are changing. - FINANCIAL OMBUDSMAN
The second doorway
If the Pensions Ombudsman can’t open his door to a complaint, give his Financial neighbour a knock. Philip Goodchild and Jennifer Watson explain.
- DB
SCHEMES
The final frontier
Recent changes have forced a review of DB’s ability to meet employer and employee needs. Does the benefit structure have a gleaming future or is it heading for a black hole? asks Dave Lowe. - LIMITED PRICE INDEXATION
A bridge too far
John Lawson lays explosives at the foot of LPI increases for DC annuities, arguing that the inflationary structure gives the average man poor value for money. - LIABILITY DRIVEN
INVESTMENT
The generation game
It’s nice for trustees to see wonderful investment returns (to see them nice), but how much should they risk in trying to do so? asks Andrew Green.
