Pensions Aspects Magazine

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Divestment or engagement – is it really either/or?
11 September 2020

Divestment or engagement – is it really either/or?

Screening is a widely used form of ethical investment but it’s not immune to pitfalls. Company engagement can also be used to help align investment with investor values. Here we take a closer look at each of these approaches and consider how they can work together to build portfolios that not only mitigate risks and generate good financial performance, but also, ultimately, have a positive impact on society and the world around us.

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How do you get people to save for a pension?
11 September 2020

How do you get people to save for a pension?

People are not engaged with pensions and saving has become something of a dirty word in the ‘lower for longer’ environment that followed the financial crash of 2008.

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Clear measurable objectives are needed in the fight for better DC outcomes
11 September 2020

Clear measurable objectives are needed in the fight for better DC outcomes

Pensions adequacy for Defined Contribution (DC) members saving for retirement continues to be a major issue despite industry developments in recent years. A Master Trust is often seen as a simple, all-in-one solution to DC pension provision, with scale and independent governance seen as key to delivering a better outcome for members. However, choosing the right Master Trust is hard, not only due to subtle differences between them, but largely as delayed gratification makes it unclear whether the ’right’ choice has been made until members retire.

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DC investment in infrastructure: the virtues of patient capital
11 September 2020

DC investment in infrastructure: the virtues of patient capital

For some time now there has been a drive to encourage the investment of defined contribution funds in long-term, illiquid asset classes.

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Taking the Pulse of pensions: PMI’s 4th survey results
11 September 2020

Taking the Pulse of pensions: PMI’s 4th survey results

As we review the outputs from our 4th Pulse survey, we felt it may be worthwhile looking to see if any trends were emerging. The aim was to not only find out what the industry felt on key hot topics but also to ascertain if opinions regarding policy and The Pensions Regulator (TPR) were showing any movement. For the first time we feel we can look at trends developing and move forward with our Pensions Tracker.

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To go the extra mile? Facilitating financial advice for DB scheme members seeking to transfer out
11 September 2020

To go the extra mile? Facilitating financial advice for DB scheme members seeking to transfer out

“Despite our previous interventions, both with individual firms and across the sector, we think the risk of harm from unsuitable advice remains unacceptably high.” FCA, Policy statement on pension transfer advice (June 2020)

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