Archive Features

Laura Blows discovers the skills, interests and hobbies industry people have outside the world of pensions
 June 2021
Social media has opened up the ease of access to financial information for a willing audience but the UK pensions industry has yet to fully engage with this opportunity, Laura Blows finds
 June 2021
Jack Gray chats to Local Government Pension Scheme (LGPS) Scheme Advisory Board head of pensions, Jeff Houston
 June 2021
With markets dominated by low yields, long-term and low-cost strategies are aiming to deliver for DB portfolios, finds Tom Higgins
 June 2021
With buy and maintain becoming more popular in the UK, MFS’ Owen Murfin explains what he looks for in a ‘perfect’ security and provides thoughts on how to judge the success of a manager
 June 2021
Duncan Ferris chats with Chartered Insurance Institute (CII) Pension Scheme chair of trustees, Robert Fletcher, about communicating with members, hunting for insurers and Covid concerns after the scheme’s recent buy-in
 June 2021
Duncan Ferris examines industry opinion regarding the MPAA and LTA amid worries over their complexity
 June 2021
Pensions Age asks: What one initiative do you think should be prioritised in the fight to combat pension scams?
 June 2021
Sophie Smith takes a closer look at the key findings of the Work and Pensions Committee’s recent pension scams inquiry and the ongoing journey from recommendation to reform
 June 2021
Pensions Minister, Guy Opperman, discusses the latest steps that the government is taking to help in the fight against pension scams
 June 2021
The government has confirmed that user-generated fraud will be included in the Online Safety Bill, but is this enough to protect savers?
 June 2021
With many savers having multiple jobs over their working life, lost pension pots are a common occurrence. Natalie Tuck explores how the industry can help savers track down missing pension pots
 June 2021
Jack Gray chats to 20-20 Trustees trustee director, Martin Collins, about the impact Covid-19 may have on fixed-income investment and the vital role it could play in a more ESG-conscious investment environment
 June 2021
Jonathan Joiner and Toby Orpin explore whether diversified credit is more than just a growth asset for pension schemes
 June 2021
Tom Higgins investigates whether low yields are fuelling new trends in fixed-income investing for defined benefit schemes
 June 2021
Pensions Age showcases two employers that are leading the way when it comes to pension engagement at a time when an employer focus can be more desirable than ever
 June 2021
Duncan Ferris explores how employers need to prepare as we draw nearer to Covid-19 restrictions being lifted and staff returning to the office after what has been an undeniably difficult year
 June 2021
Jack Gray investigates how best to allocate time and resources, and what is most important to consider, when responding to consultations
 June 2021
Kathryn Foster asks whether your trustee board is match fit to face the new governance challenges
 June 2021
Matthew Swynnerton (who is a member of the Pension Scams Industry Group) looks at two recent developments in relation to combatting pension scams
 June 2021
Jonathan Watts-Lay explores what trustees can do to help protect members from scams
 June 2021
Kevin Martin considers the challenges of auto-enrolment on pensions’ payroll cycles
 June 2021
Inflation concerns are on the rise, with everyone scrambling to forecast its path. We believe a better approach is to position for the risks. Here’s how
 June 2021
In our latest article, learn how fiduciary management can provide respite for hard-pressed trustees in uncertain times
 June 2021
David Thompson and Andrew Cooper reveal the importance of a holistic approach, such as Aon’s Journey to Settlement, to endgame planning
 June 2021
The OECD has ranked the UK’s state pension as the lowest in the developed world as a percentage of average earnings, but is there a bigger picture to consider? Jack Gray investigates
 May 2021
Amid the UK Sustainable Investment and Financial Association’s (UKSIF) 30-year anniversary, chief executive, James Alexander, chats to Sophie Smith about the work that the group has achieved so far and what lies ahead in the future
 May 2021
Ahead of the introduction of further climate-related regulations in October 2021, Sophie Smith considers how pension schemes have coped with the requirements already introduced and how they can prepare for even more in the future
 May 2021
Duncan Ferris explores what the Supreme Court’s recent ruling in favour of Uber drivers in their quest to secure employee benefits could mean for the gig economy and the world of pensions
 May 2021
Duncan Ferris delves into the FCA’s finalised DB transfer guidance, looking into both the content of the guidance and what it might mean for the future of the DB transfer market
 May 2021
Laura Blows looks at the regulator’s efforts to create one single code of practice and what changes the proposed code will bring
 May 2021
M. Catherine Miller reveals how to build an effective board of trustees
 May 2021
Pensions Age speaks to Hymans Robertson financial risk management lead, Gillian Baker, about why it decided to seek Pensions Administration Standards Association (Pasa) reaccreditation and the process for achieving this
 May 2021
Sustainable and responsible investing is fast becoming one of the most important investment criteria globally and, in Asia, while the uptake has been slower, this trend is growing. Moreover, sustainability is now also seen as an important economic driver for investment performance. Murray Collis, Deputy CIO Fixed Income Asia ex-Japan and lead portfolio manager of the Sustainable Asia Bond strategy, discusses the drivers behind this movement and how the Covid-19 outbreak may have influenced developments
 May 2021
Endre Pedersen, Murray Collis and Eric Nietsch of Manulife Investment Management consider how to unlock sustainable investing opportunities in Asian fixed income
 May 2021
The Pensions Ombudsman service is celebrating 30 years in operation, but what has been its impact on the pensions industry? Natalie Tuck reports
 May 2021
Looking to the future of pension fund management
 May 2021
Climate-adjusted analytics are key to mapping pension schemes’ climate risk exposures
 May 2021
Stella Beale considers the reasons for the gender pensions income gap and how policymakers and the industry can better engage with women to encourage retirement saving
 May 2021
Major car manufacturers pledge to “go electric”
 May 2021
Featuring:
• How the Covid-19 pandemic has kick-started greater interest in cashflow-driven investment
and how DB schemes can implement this strategy
• How the time has come for cashflow-driven investors to adapt to investor, political and regulatory momentum around climate change
• Cashflow matching in pension asset management
 May 2021
Aon partner, John Baines, and associate partner, Michael Walker, consider how to optimise outcomes for members, trustees and sponsors
 May 2021
Here are the five reasons why we believe sustainable indexing gives investors the clarity they need to build more sustainable portfolios
 May 2021
PMI president, Lesley Alexander, explains to Laura Blows the institute’s future goals for the training and development of the pensions industry
 April 2021
Carmarthenshire County Council, Host Authority for the Wales Pension Partnership (WPP) treasury and pension investment manager, Anthony Parnell, discusses the pool’s recent work on responsible investment and the steps it is looking to take in future
 April 2021
Francesca Fabrizi looks at the key themes presented and discussed at this year’s Sustainability Investment Summit
 April 2021
Lang Arm Capital Partner co-founders, John Owens and Steve Holt, chat to Sophie Smith about the inefficiencies in the institutional sales market, and how their new third party marketing firm is making its mark with new ideas, despite the pandemic
 April 2021
Depressed bond yields coupled with low interest rates have further heightened concerns over meeting long-term liabilities. In response, investment into private markets and alternatives by pension funds looks set to increase. World Gold Council senior analyst, Krishan Gopaul, reviews the key findings from a recent World Gold Council/Pensions Age poll and highlights why gold might provide an answer
 April 2021
Brendan Doherty questions whether current data strategies are truly effective enough to ensure the quality and completeness of scheme data
 April 2021
Phil Brown explains why learning more about savers will only help the pensions industry
 April 2021
Should UK pension schemes have higher equity allocations to China?
 April 2021
Investors with allocations to emerging market debt now need to understand the true impact on developing economies of long run factors like climate change and human capital development
 April 2021
While the recent Pension Schemes Act has brought CDC schemes one step closer to reality in the UK, there is still some way to go, writes Francesca Fabrizi
 March 2021
As industry research prompts concerns as to how DB investment strategies have fared amid the pandemic, Sophie Smith explores the impact of the ‘lost year’ and what considerations trustees should bear in mind for the year ahead
 March 2021
2020 was the second biggest year on record for bulk annuities, with transactions totalling £30 billion and new de-risking options coming to the market. Natalie Tuck looks at what is in store for the pension risk transfer market in 2021
 March 2021
Chris Curry looks back at all the significant changes that have occurred across the pensions landscape during the Pensions Policy Institute’s 20 years
 March 2021
With the UK looking to ‘build back better’ in the aftermath of the coronavirus pandemic, pension investments have been touted as one of the ways in which the economy can recover in a more sustainable manner. Jack Gray investigates the role fixed-income investments have in the responsible post-Covid recovery
 March 2021
Scott Freedman highlights themes that should help to grow the sustainable fixed-income market
 March 2021
Pension schemes and providers are increasingly taking steps to go beyond integrating environmental, social and governance (ESG) considerations into their investment strategies, with several organisations making a commitment to become fully net zero in close succession. Sophie Smith reports
 March 2021
Richard Butcher looks back at the challenges the pensions industry has faced during his two years as PLSA chair and how the lessons learnt from these are helping the sector cope with the consequences of the current Covid-19 pandemic
 March 2021
Duncan Ferris examines how providers have been adapting to investment pathways and what impact their introduction might have on the industry
 March 2021
Emma Douglas considers pension savers’ views on the FCA’s Investment Pathways
 March 2021
Chris Inman highlights the importance of ensuring DC default investment strategies provide the best outcomes for members, and how target-date funds can help achieve this
 March 2021
Matthew Swynnerton looks at the DWP’s consultation on regulations introducing new requirements in relation to occupational pension schemes and climate change
 March 2021
Value for money in pensions has come under increased scrutiny over the past 12 months, with the government and regulators looking to address issues in this area. Jack Gray analyses the potential drivers and barriers to improving pension value for savers
 April 2021
Duncan Ferris examines cost transparency, looking into the issues that remain for the pensions industry, what kind of changes can be effectively implemented and how likely further action is
 April 2021
With the latest spate of regulations coming into force this year following the introduction of the Pension Schemes Act, trustees’ jobs have become more complex. Jack Gray investigates trustees’ remuneration amid this increasing responsibility
 April 2021
Duncan Ferris sounds out where the pensions industry stands with TPR’s proposals for its DB funding code and which issues to look out for in the regulator’s second consultation
 April 2021
The Pensions Regulator’s proposal that covenant visibility is only three to five years for most schemes has caused concerns that reliance on the covenant may be watered down. Laura Blows considers the implications of a change in covenant emphasis and how schemes determine covenant time horizons
 April 2021
Natalie Tuck examines how some fine-tuning of the DC charge cap could open up a new world of investment opportunities for DC auto-enrolment pension schemes
 April 2021
Amid increasing investor interest, Sophie Smith explores what opportunities the renewable energy market could hold for pension schemes, and the key challenges still to overcome
 April 2021
Fears of a rise in inflation may be keeping trustees up at night but, with the right approach, pension funds can do their best to ensure they are well protected, whatever the future brings. Francesca Fabrizi explores
 April 2021
The issue of vulnerability is more acute than ever, given recent events. Francesca Fabrizi explores what this means for the pensions space
 March 2021
Actuarial valuations of transfer values and commutation rates for members can differ widely, which the IFoA has recently highlighted as a cause of concern. Laura Blows explores why this difference occurs and the level of trustee engagement in setting the amounts
 March 2021
Duncan Ferris examines recent developments in how the industry can tackle scams, the prevalence of fraud and what further changes could be on the horizon
 March 2021
The Pension Schemes Act features new powers for The Pensions Regulator from the autumn, including criminal sanctions for ‘any person’ acting to the detriment of the pension scheme without ‘reasonable excuse’. Concerns have arisen that anyone, however distantly impacting a pension scheme, may be at risk of prosecution simply by going about standard business actions. To what extent are these fears justified and what preparations can be done while waiting for further guidance? Laura Blows finds out
 March 2021
CFM's head of quantitative investment solutions, Philip Seager, talks to Pensions Age about the diversification benefits of systematic global macro for pension portfolios
 17/03/2021
Brunel Pension Partnership head of operations, Darren Hay, discusses the pool’s approach to cost transparency, its partnership with Caceis and why Cost Transparency Initiative (CTI) templates will need to evolve to meet varying needs
 March 2021
CFM’s head of quantitative investment solutions, Philip Seager, talks to Pensions Age about the diversification benefits of systematic global macro for pension portfolios
 March 2021
As the financial advice industry settles into the sector’s changes caused by Covid upheaval, Laura Blows discovers how the pandemic has further highlighted the ‘advice gap’ and the developments required to ensure greater access to advice
 February 2021
A majority of DB schemes may be closed to new members or future accrual, but these schemes will still need to appoint new advisers and service providers for decades to come. David Adams looks at how trustees can find the right firms and individuals to fill these roles and deliver the best value services to scheme members
 February 2021
Laura Blows considers how the trustee model is adapting to the structural changes within the pensions industry and the requirement for greater professionalism from trustees
 February 2021
PwC considers what the year has in store for pension scheme trustees
 February 2021
Financial Services Compensation Scheme (FSCS) chief executive, Caroline Rainbird, discusses with Sophie Smith the importance of ensuring consumers make informed decisions
 February 2021
Francesca Fabrizi discovers that, while the Brexit transition period is over, there is still plenty that pension schemes need to do to keep on top of the changes
 February 2021
Duncan Ferris explores what is driving the rise of ESG and why it could be important for schemes to stay one step ahead of both members and regulators
 February 2021
As demand for investments in the private market continues to grow, there is an ever-increasing interest in considering environmental, social and governance (ESG) factors to promote greater transparency, for better risk management and to aim to deliver long-term value
 February 2021
In January the Barclays Bank UK Retirement Fund (UKRF) announced the integration of environmental, social and governance (ESG) factors and climate risk into its £1.3bn Diversified Growth Fund (DGF). Jack Gray speaks to UKRF CIO, Tony Broccardo, on why the fund made the changes and how it will be affected
 February 2021
Andrew Parry explains why active managers are well placed to support the energy sector’s lower carbon transition
 February 2021
Stephanie Baxter considers how schemes can, and should, communicate ESG efforts to members
 February 2021
The government’s Dormant Assets Scheme will now be able to include untouched pension funds to invest in ‘building back better’. Louise Farrand considers the practicalities of this for the industry and its expected level of take-up, as well as the other ways pensions money is helping reinvigorate the UK economy
 February 2021
PTL client director, Dan Richards, reflects on what ESG investing should really mean for pension scheme trustees today
 February 2021
As the economic recovery gathers pace around the globe, risk assets are likely to emerge as the stars of 2021
 February 2021
Jonathan Watts-Lay asks whether pensions are a good option to fulfil a short-term cash need
 February 2021
David Brown talks through The People’s Pension’s changes to its charging structure
 February 2021
Steven Leigh considers how to keep DC savings on track in challenging times
 February 2021
Laura Blows explores how complex family structures can affect pension saving and the ways in which the industry can help these savers with their retirement provision
 January 2021
2020 saw unprecedented change in the pensions industry, but as businesses begin to consider life post-Covid-19, Sophie Smith considers what changes are here to stay and what work is still needed
 January 2021
The industry agrees that the current minimum automatic enrolment contribution of 8 per cent is not enough, but there is less of a consensus on what the next steps should be. Natalie Tuck reports
 January 2021
Duncan Ferris explores pension industry trends that have remained relevant throughout the unpredictability of 2020 and beyond, including the rise of ESG, the challenge of increasing member engagement and the drive for pension scheme consolidation
 January 2021
With environmental, social and governance (ESG) issues becoming more important across the globe, Mahesh Jayakumar explains how MFS incorporates ESG factors into fixed income research, and looks at the opportunities and challenges facing investors
 January 2021
2020 has certainly been a difficult and challenging year. However, against this gloomy backdrop, we’ve witnessed some unexpected glimmers of hope. Community spirit has flourished and a global reduction in carbon emissions and human mobility has increased air quality. With governments across the globe wanting more action on climate change, how can we in the pensions industry use our assets to help improve sustainability and play our part towards the net zero goal?
 January 2021
Jonathan Watts-Lay explains how to help members avoid the pension pitfalls in 2021
 January 2021
Donna Walsh explains Standard Life’s focus on tailored and relevant communications
 January 2021
Jon Exley and Patrick O’Sullivan explore the benefits of a CDI approach and the role it can play within a LDI strategy
 January 2021
Despite the understandable challenges of 2020, Aviva maintained its focus on investing responsibly within its bulk annuity portfolio, leaving it well placed to drive the agenda in 2021
 January 2021
Why diversity and inclusion should be on your pension trustee board’s agenda
 January 2021
Along with the rest of the world, trustees have had to adapt to ‘the new normal’ amid the Covid-19 pandemic. Jack Gray investigates whether this will continue into 2021 and other trends trustees will have to contend with
 January 2021
At a time when NHS staff have worked tirelessly to support the country through the Covid-19 crisis, Sophie Smith explores the work that NHS Employers and the NHS Business Services Authority have done to support NHS Pension Scheme members
 January 2021
Sophie Smith examines the government’s plan for green sovereign bonds, the challenges and benefits they could bring, and what they could mean for pension schemes and the wider economy
 January 2021
Some of the industry’s key associations reveal their priorities for the year ahead
 January 2021
Duncan Ferris chats with Pensions Dashboards Project (PDP) principal, Chris Curry, about how newly-released data standards set out what providers and schemes need to prepare in order to digitise retirement savings
 January 2021
Expert views on the 2021 trends for equities, property, fixed income and infrastructure
 January 2021
Following the tumultuous year that was 2020, the pensions industry may be hoping for a quieter 2021. However, with the impact of Covid-19 still being felt, the introduction of the Pension Schemes Bill and a swath of new regulations, this seems unlikely. Jack Gray looks ahead at the trends likely to shape the coming year
 January 2021
Covid-19, Brexit, ESG, CDI, dashboards, scams and more
 January 2021
Judith Hetherington reflects on how attitudes to risk have changed during 2020, and what UK schemes are doing about governance
 January 2021
Martin Mercer offers a quick guide to finding your perfect adviser
 January 2021
Kevin Martin considers the opportunities for the pensions industry to find the good in these difficult times
 January 2021
Steven Leigh considers how to keep DC savings on track in challenging times
 February 2021
Steven Leigh considers how to keep DC savings on track in challenging times
 February 2021
The Covid-19 pandemic created concerns that over-55s may raid their pension savings to plug any financial gaps caused by the crisis. However, while the initial response was calm, withdrawals are starting to rise again and the retirement saving decisions made now may have longer-term consequences, finds Laura Blows
 December 2020
Laura Blows finds out the different effects of the pandemic on Nest’s savers and how the master trust responded
 December 2020
Five years on from the introduction of freedom and choice, how much development has there been in the decumulation market? Natalie Tuck reports
 December 2020
Lizzy Holliday reveals the impact of the PLSA’s Retirement Living Standards in its first year of launch and what more it aims to achieve
 December 2020
Having been integral to the creation of a simpler annual pensions statement template, Ruston Smith explores the government’s intention to make simpler annual statements mandatory
 December 2020
The coronavirus pandemic has been a crisis like no other, but how has it impacted the Pension Protection Fund? Natalie Tuck reports
 December 2020
Duncan Ferris explores how the pandemic and the economic difficulties it has catalysed may affect the way trustees monitor employer covenants, looking into communication with sponsors and planning for the worst
 December 2020
Francesca Fabrizi looks at how far we have come in the superfund journey to date
 December 2020
After a turbulent year for so many, Sophie Smith considers how the bulk annuity market has managed to remain buoyant throughout the pandemic and what the future might hold
 December 2020
Covid-19 has had an undeniably negative overall impact on defined benefit (DB) pension schemes’ deficit levels and journey plans. However, some have fared better than others and the picture is not as black and white as one might expect. Jack Gray reports
 December 2020
Amid an already challenging year, the LGPS has faced a torrent of unique legal and regulatory changes. Sophie Smith takes a closer look at the issues facing the funds and whether they can cope with the hurdles ahead
 December 2020
Duncan Ferris chats with M&S Pension Trust head and chief investment officer, Simon Lee, about recent buy-in transactions, the effects of the Covid-19 pandemic and the landscape of the bulk annuity market in 2020
 December 2020
Francesca Fabrizi looks at how ESG, if used in the right way, could become a truly powerful tool in the ongoing struggle for better member engagement
 December 2020
Emma Douglas explains how gaining a voice on the issues that matter can keep scheme members coming back to their pensions
 December 2020
This year has been a rollercoaster for the pensions industry. Jack Gray takes a look back
 December 2020
Jonathan Butler explores the five factors supporting an allocation to European high yield
 December 2020
Christian Hantel reveals what gardening and global bonds have in common
 December 2020
Jonathan Watts-Lay explains what pension scheme members need to know to avoid being scammed
 December 2020
Matthew Swynnerton (who is a member of the Pension Scams Industry Group) looks at some of the steps that are being taken to address the issue of pension scams
 December 2020
Steven Ord explores the many factors encouraging DC scheme consolidation into master trusts and how best to prepare for the move
 December 2020
Sasha Mandich reveals how trustees can ensure they receive clear reporting from their fiduciary manager or investment consultant
 December 2020
Although most pension schemes have increased their investments in climate-aware and sustainable funds, there is still a way to go to help meet the government’s target of a net-zero economy by 2050. Jack Gray analyses the barriers facing schemes and how they
can be overcome
 November 2020
Following the Financial Conduct Authority’s recently closed call for input on open finance, Sophie Smith looks at whether the pensions industry is ready to open, and what a more open future could hold for members and schemes alike
 November 2020
Following the publication of a pensions dashboards update, Duncan Ferris speaks to Pensions Dashboards Programme principal, Chris Curry, about the project’s newly-outlined targets, technological requirements and how providers and schemes need to ready themselves
 November 2020
Pension scams are nothing new, but tackling them continues to be a challenge. Francesca Fabrizi looks at how far the industry has come in this fight, and what more can still be done
 November 2020
The Co-operative Pension Scheme, Pace, has completed four buy-ins in 2020, totalling almost £3 billion. At the PLSA’s latest Annual Conference, Co-Operative pension investment and risk manager, James Giles, explained the benefits of multiple transactions, and how the scheme was able to take advantage of attractive pricing
 November 2020
Small pots are a hot issue in the ever-evolving pensions universe. Duncan Ferris delves into the world of small pots to find out why they are such a problem, what caused them and what can be done to resolve their issues
 November 2020
Laura Blows considers the effects of the Covid-19 pandemic on master trust transfers
 November 2020
Is ‘Beyoncé Giselle Knowles-Carter’ the same person as deferred member ‘Beyoncé Knowles’?
 November 2020
Laura Blows explores why pension payroll integration with administration needs to be a more regular topic of conversation
 November 2020
Pierre Lenders, head of ESG at Capital Fund Management (CFM), looks at whether ESG can contribute to performance for investors, both discretionary and those, like CFM, which take a quantitative approach to investing in financial markets
 November 2020
The People’s Pension’s approach to member communications
 November 2020
Sasha Mandich highlights the importance of individually tailored fiduciary management strategies incorporating dynamically managed asset allocations, intelligent de-risking strategies and efficient implementation
 November 2020
Following the FCA’s confirmation of how it expects DC schemes to report fees, Ellie Duncan looks at the impact it will have on the sector
 April 2020
Instead of sitting back and enjoying their retirement, many pensioners are ending their working lives with significant debt to service. Andy Knaggs looks at the reasons for this and how the financial industry can respond
 April 2020
With pension changes on the horizon, Jack Gray speaks to The Investing and Saving Alliance (Tisa) strategic policy director, Charles McCready, and retirement policy manager, Renny Biggins, about what the changes mean for savers and what the industry can do to support them
 April 2020
The LGPS, being open, cashflow positive and with a long-term investment horizon, should be in a better position than many schemes to overcome the Covid-19 difficulties, Maggie Williams finds
 April 2020
Laura Blows explores how cashflow-driven investment (CDI) strategies have spawned a more ‘CDI-lite’, flexible approach
 April 2020
Nick Reeve assesses the potential impact the proposal to bring RPI in line with CPIH will have on pension schemes
 April 2020
Institute of Fiscal Studies (IFS) associate director, Rowena Crawford, discusses the success of automatic enrolment and the power and pitfalls of nudges
 April 2020
How active managers are increasingly integrating ESG factors into decision-making processes
 April 2020
Looking at the role of active management when investing in and engaging with companies, and how sustainability may develop over the next decade
 April 2020
Five years on from the introduction of freedom and choice, Sophie Smith looks at what impact the reforms have had on the industry, and what the next five years could hold
 April 2020
With the ongoing stalemate between the Universities Superannuation Scheme (USS), Universities UK (UUK) and Universities and College Union (UCU) over proposed member contribution rate increases seemingly having no end in sight, Jack Gray investigates how we got to this point and analyses the current situation
 April 2020
As Covid-19 continues to spread around the world, Sophie Smith looks at the plague of scammers emerging in its wake
 April 2020
Savers and current retirees have been adversely affected by the coronavirus impact on investment, creating calls for the Treasury to relax MPAA and LISA rules, and for transfers to be delayed by six months
 April 2020
Duncan Ferris takes a look at how working from the cosiness of our homes might lead to some professional discomfort
 April 2020
Employers are now able to consider temporarily halting DRCs for up to three months but are still expected to meet contribution obligations to employees’ pensions
 April 2020
Martin Kellaway explains why trustees may need extra protection, beyond the trust deeds’ exoneration and indemnity clauses
 April 2020
Andrew Cole explains why investors should still focus on environmental investing in these challenging times
 April 2020
Pensions Minister Guy Opperman explains why he is to impose requirements on trustees to ensure they implement effective governance in relation to the financial risks of climate change
 April 2020
Tony Pugh explores how to get the right balance of DC pensions quality and time commitment
 April 2020
The controversial issue of employers encouraging staff to opt out of DB schemes shouldn’t really exist in the public sector, because members of unfunded public-service schemes are unable to transfer pension benefits out of the scheme. But, as David Adams explains, some public-sector workers can use such transfers; and public-sector employers could find themselves in legal and regulatory hot water if they encourage staff either to transfer out or to opt out of their public-service pension rights altogether
 March 2020
With the DB sector heading towards its collective endgame, traditional equity investments are on the decline. Nick Reeve asks: Are equities still a viable investment for DB schemes?
 March 2020
Andrew Williams explores how ESG factors can still be taken into account with passive investment
 March 2020
Why climate change matters for government bond investing
 March 2020
With the shift from DB to DC and pension freedoms, individuals are increasingly shouldering the financial risk when it comes to their retirement savings. Jack Gray speaks to Institute and Faculty of Actuaries (IFoA) head of policy, Rebecca Deegan, about its recently launched campaign – The Great Risk Transfer – to investigate this growing trend
 March 2020
What is the best course of action when you’re up the creek without a paddle? Duncan Ferris scrutinises the ins and outs of crisis management in the pensions industry
 March 2020
The success of cyber attacks is largely down to human error, so are trustees aware of the personal risk they may be to the pension scheme they manage? And what steps can be taken to reduce the likelihood of trustees falling for a phishing scam? Laura Blows finds out
 March 2020
Pension policy and technological advancements have led to savers’ money and data being more exposed to cyber crime. Jack Gray examines what the industry is doing to tackle the risk, whether what is being done is enough, and the challenges that the future holds as cyber criminals’ techniques evolve
 March 2020
Pete Carvill looks at how pension funds as investors can incorporate ESG/sustainability considerations into their bond portfolios
 March 2020
Scott Freedman considers how ESG factors play a key role in credit analysis
 March 2020
February saw the Merchant Navy Officers Pension Fund (MNOPF) complete its conversion of a pensioner longevity swap to a £1.6 billion buy-in with the Pension Insurance Corporation (PIC). Duncan Ferris speaks to MNOPF chair, Rory Murphy, about how the deal went down
 March 2020
A round up of the de-risking deals to have already hit the headlines this year
 March 2020
Sophie Smith looks at how trustees can protect both members, and themselves, throughout the DB to DC transfer process
 March 2020
Peter Matejic reviews the recent statistics that pensioner poverty in the UK has started to rise
 March 2020
With updated trusteeship measures, an upcoming DB funding code and a seemingly ever-growing bulk annuity market, the Pensions Age DB Forum, held in association with Mercer, looks at what’s next for DB scheme trustees and their sponsors
 March 2020
Craig Scordellis reveals how multi-asset credit can be a managed income solution to the problem of low-yielding traditional credit
 March 2020
Jonathan Watts-Lay looks at the steps employers can take to support employees at retirement
 March 2020
Matthew Swynnerton looks at some of the issues covered by the Pension Schemes Bill, which is currently progressing through parliament
 March 2020
Gregg McClymont explains how, and why, B&CE wound up its stakeholder pension and moved its members to its The People’s Pension master trust
 March 2020
Aon’s latest DC survey finds the future lies in being made to measure for members
 March 2020
As the global economy looks to recover from the impact of the coronavirus pandemic, emerging markets may present attractive options for equity investors. Jack Gray investigates the potential for increased diversification, better returns, and ESG-friendly investments
 October 2020
Lara Kesterton reveals why ESG is a valuable risk management tool in emerging-market equity investing
 October 2020
Francesca Fabrizi looks at the potential benefits of combining GMP conversion with Pension Increase Exchange (PIE) exercises, while also highlighting when it might not be the right thing to do
 September 2020
Laura Blows considers how those managing a pension scheme can obtain good working relationships with its providers and advisers
 September 2020
Although still rare, longevity swap to buy-in conversions are on the increase as schemes look to make the next step on their de-risking journeys. Natalie Tuck reports
 September 2020
Income investing provides many opportunities to support DB schemes in a post-Covid world
 September 2020
Covid-19 quickly gave a severe shock to real estate markets, yet three trends support a more optimistic outlook
 September 2020
With the stresses and strains of working in the pensions world seemingly never-ending, Francesca Fabrizi looks at the mentoring schemes available in the pensions space today
 September 2020
Lothian Pension Fund CEO, Doug Heron, discusses the fund’s recent responsible investment commitments and how the fund has been guided by all its stakeholders
 September 2020
The impact of corporate downgrades on the high-yield bond market
 September 2020
ESG integration within fixed-income portfolios
 September 2020
Whether high yield make sense for UK pension funds
 September 2020
The current fixed-income opportunities in a Covid-19 world
 September 2020
Laura Blows explores the pace of reform within the pensions industry and whether trustees are struggling to keep up
 September 2020
Duncan Ferris speaks to Pensions Management Institute president, Lesley Carline, about using technology to navigate the pandemic, updating qualifications and pessimism in the industry
 September 2020
With the Department for Work and Pensions’ consultation on the defined contribution pension default fund charge cap and standardised cost disclosure having closed on 20 August, Jack Gray analyses the industry’s thoughts on the proposals
 September 2020
How investors can ensure that their credit market securities are helping the planet as much as possible
 September 2020
Where the high yield opportunities remain, despite recent spread tightening
 September 2020
With company insolvencies on the rise, Jack Gray investigates how and why affected schemes can enter and exit the Pension Protection Fund
 September 2020
Charles Stanley Asset Management considered the impact of Covid-19 on investment markets, central bank policies and continuing trends such as the digital and green revolutions, in its recent webinar with Pensions Age
 September 2020
Insurance cover is of ever-greater importance to trustees, OPDU’s trustee survey reveals
 September 2020
With home interest rates at all-time lows, the higher yields of emerging market bonds may be hard to resist. But they obviously carry risks. A deep dive into the fundamentals of emerging economies reveals surprising differences and unexpected strengths – and may allow managers to spot opportunities while mitigating risk
 September 2020
Lucy Barron looks at minimising risk and maximising flexibility for scheme endgames
 September 2020
Jonathan Watts-Lay offers guidance for how to protect pension members from knee-jerk decisions
 September 2020
Trustees should take note of important changes coming into force on 1 October 2020 in relation to Statements of Investment Principles (SIP) and disclosure
 September 2020
Kevin Martin reflects on the lessons the master trust The People’s Pension learnt from the Covid-19 pandemic
 September 2020
The importance of understanding how the assets in a portfolio relate to one another comes under the spotlight in times of crisis, but how much of the technical detail do trustees comprehend and how much do they really need to know? Francesca Fabrizi finds out
 July-August 2020
Whatever guise they take, most changes in the pensions sector are designed to bring about positive outcomes. However, they can have unforeseen negative impacts. Jack Gray investigates some of the changes that have had unintended consequences
 July-August 2020
How much income do occupational pension schemes provide for retirees and what does the retirement income landscape look like? Duncan Ferris delves into the statistics and sheds light on pension income inequalities, and how future generations’ retirement takings are being damaged in the present
 July-August 2020
Following on from the divorce bill recently achieving Royal Assent, Adele Woods explores how divorcing couples are likely to disregard their rights with pensions
 July-August 2020
Capital Cranfield professional trustee, Hugh Creasy, sits down with Jack Gray to discuss his role as a sole trustee in the buyout process of the Unomedical Pension Plan
 July-August 2020
Why investors can’t lose sight of the importance of responsible investing during the Covid-19 crisis
 July-August 2020
How ESG has increasingly been on the pension scheme agenda
 July-August 2020
At this critical moment, when we reflect on systemic threats to our economy and reimagine the world we want to grow old into, our money matters more than ever, says David Hayman, explaining why the Make My Money Matter campaign was recently launched
 July-August 2020
As the government highlights infrastructure as key to the UK’s post-Covid recovery, Sophie Smith explores what this could mean for pension schemes and what role they can play in ‘building back better’
 July-August 2020
Following the June publication of its Annual Climate Change Policy Review, Duncan Ferris speaks to London Pensions Fund Authority (LPFA) chief executive officer, Robert Branagh, about the Local Pensions Partnership (LPP), climate issues and listening to members
 July-August 2020
Laura Blows explores what the spike in mortality caused by Covid-19 means for pension schemes and the long-term impact of the pandemic on longevity
 July-August 2020
With coronavirus-shutdown sectors now facing a wave of unemployment as lockdown and furlough support eases, Laura Blows explores what this means for affected workers’ retirement savings
 July-August 2020
Natalie Tuck examines the European regulations and laws that are still applicable to UK pension schemes
 July-August 2020
Pension systems around the world have faced similar challenges in light of Covid-19. Natalie Tuck examines how the largest pension markets have responded to the impact of the pandemic
 July-August 2020
As the pensions industry reacts to Covid-related volatility, the bulk annuity market carries on from its strong start to the year, still completing deals for schemes large and small. Pensions Age finds out from Aviva how the sector continues to glide along on these choppy waters
 July-August 2020
In these extraordinary times, when pension schemes are faced with a whole plethora of new and unexpected challenges, it’s important to reassure trustees that help is at hand. The Pensions Age Virtual Conference was launched to do just that. Francesca Fabrizi reports
 July-August 2020
As the world slowly re-opens, which asset classes will thrive and which will suffer?
 July-August 2020
Kevin Martin explains how re-enrolment can be a great opportunity to be positive about pensions
 July-August 2020
Improving diversity of all kinds to make the pensions industry more representative of society is a goal it is striving to achieve, but how much progress has been made and has it been stifled or aided by the ongoing Covid-19 crisis? Jack Gray investigates
 June 2020
Newly-elected Society of Pension Professionals (SPP) president, James Riley, talks to Pensions Age about engagement successes and potential improvements, the impact of Covid-19 on the progress of increasing engagement, and why ESG investing may be a Trojan horse in encouraging people to take an interest in their pensions
 June 2020
Sophie Smith considers to what extent pension scheme trustees are proactively engaged with ESG concerns when investing, or if they are just responding to regulatory pressure, and whether their focus on ESG is likely to increase in the post-Covid ‘new normal’
 June 2020
Four months on from the launch of the first worldwide pensions data analytics tool, Sophie Smith talks to Ford EMEA pensions manager, Oliver Payne, to discuss how the system has helped the firm analyse its company pension schemes globally and the key findings so far
 June 2020
The nation remains in lockdown and pension administrators are among the employers that have had to adapt to new ways of working. Duncan Ferris investigates some of the problems they have faced and finds out that some of the solutions might be here to stay
 June 2020
Covid-19 has pushed money into the limelight, with many affected financially by the pandemic. Natalie Tuck examines whether now is an opportune moment for the industry to financially educate members and why a holistic approach may be the most useful strategy
 June 2020
Francesca Fabrizi looks at how ESG is evolving in the DC space and why this new world could represent a turning point
 June 2020
Emma Douglas explores how ESG views and identity intersect for three generations of savers
 June 2020
Two-thirds of [pension funds] are deeply concerned about the future of the global economic and financial system: How might gold help?
 June 2020
As face-to-face meetings and travelling into the office has declined, Pensions Age asks for your tips to make working from home run that bit more smoothly
 June 2020
Stephen Purves asks if 2020 could be the bulk annuity market opportunity that smaller schemes have been waiting for
 June 2020
Nico Aspinall explains why he remains optimistic in the midst of Covid-19 shockwaves
 June 2020
Matthew Swynnerton looks at some of the recent High Court cases in relation to pension increases
 June 2020
Sophie Smith looks at some of the pensions organisations going above and beyond to assist those struggling in the fight against Covid-19
 May 2020
Economic disruption is just one of the many consequences of the coronavirus pandemic, sparking fears of a major recession on the horizon. Pensions Age finds out where the best investment opportunities may lie within the credit and equity markets during this challenging time
 May 2020
A significant number of companies have cut, suspended, or cancelled their dividend payments in response to the coronavirus pandemic. Laura Blows explores what this means for pension fund investors
 May 2020
The Environment Agency Pension Fund (EAPF) pensions administration manager, David Williams, tells Pensions Age how the fund is working hard to help its members through the current crisis
 May 2020
Duncan Ferris tackles the issue of communication in the Covid-19 crisis, looking at the appropriate frequency, content and format of messages to scheme members
 May 2020
As Covid-19 sends the markets into flux, Sophie Smith looks at what impact it has had on pension scheme savings, and whether pensions should be a priority for savers in the current crisis
 May 2020
Duncan Ferris examines April’s update on the development of a pensions dashboard, laying out some of the key plans and challenges, as well as how the industry reacted and how schemes can prepare
 May 2020
The Pensions Regulator head of policy, Fiona Frobisher, speaks to Francesca Fabrizi about the steps TPR has taken towards helping schemes in this time of unprecedented uncertainty
 May 2020
With the ongoing Covid-19 pandemic creating uncertainty in the markets and for pension schemes, the regulators have been delaying initiatives until the crisis, hopefully, subsides. Jack Gray analyses what trustees should be doing now and in the future, when relative normality resumes
 May 2020
Laura Blows looks at how the economic downturn caused by the efforts to stifle the coronavirus pandemic is affecting DB scheme funding levels
 May 2020
In response to the Covid-19 crisis, the government and regulatory bodies have been issuing regular guidance on how to minimise the negative effects on savers, schemes and the industry
 May 2020
Hannah Cook looks at how to structure and access the best pricing when longevity hedging
 May 2020
Jonathan Watts-Lay considers how creating financial wellness at-retirement is an essential element in the workplace
 May 2020
Laura Blows looks at the shareholder activism implemented by the LGPS during this AGM season
 May 2020
Judith Hetherington explores whether 2020 is the time to review governance and fraud risks
 October 2020
Stuart O’Brien outlines what trustees will need to do in the coming years in order to keep on top of their ESG responsibilities
 October 2020
Guidance through tough times
 October 2020
Laura Blows considers where pension funds can turn to for secure income investments in the wake of Covid-19
 October 2020
Stuart Hitchcock, Calum Macphail and Amie Stow explore the role of secure income assets post-Covid-19
 October 2020
Emily McGuire looks at five ways in which Covid-19 is reshaping pensions decision-making
 October 2020
The time has come for equities to play a bigger role in investment portfolios
 October 2020
Glenn Dobson explains why default funds are the simple and sensible choice for most
 October 2020
The pandemic has brought about a sea change in the way people work and live, leaving many city centres deserted, but what does this mean for property investments and should pension funds panic? Natalie Tuck reports
 October 2020
Forced to become the mainstream option amid the pandemic, Sophie Smith looks at how digital member verification services have advanced and the limitations still present
 October 2020
Hertfordshire County Council cabinet member for resources and performance, and chairman of the Pension Committee, Councillor Ralph Sangster, chats with Duncan Ferris about responsible investment and divestment from fossil fuels
 October 2020
Laura Blows explores the unique retirement saving challenges of those aged 50-59, particularly in the wake of Covid-19
 October 2020
The financial impact of the coronavirus is resulting in some savers looking to their pensions to address their short-term money pressures. Jack Gray analyses the potential long-term implications on their retirement
 October 2020
Transparency Task Force (TTF) founder, Andy Agathangelou, talks to Sophie Smith about how the pensions industry can work to protect members against the threat of pension scams, and regain their trust and confidence going forward
 October
The coronavirus pandemic has been a rollercoaster ride for many businesses. Duncan Ferris investigates whether employers have been having problems keeping up with their contributions into employee pension schemes amid Covid-19, why this might be a problem and what the consequences for savers might be
 October 2020
Sasha Mandich explores the importance of a good scheme/fiduciary manager relationship
 October 2020
Featuring:
• The help at hand to guide trustees with sustainability investing
• Global environmental opportunities
• ESG and emerging market debt
• Investing today to build a better tomorrow
• Whether ‘sustainable’ and ‘investment’ go together
• Focusing on the ‘social’
 October 2020
Pension funds will be required to report the risks that climate change could have on investments under new rules and investors are demanding accountability from companies
 October 2020
Despite the turmoil and upheaval caused by the recent Covid-19 pandemic, the effectiveness of defined contribution (DC) investment strategies have generally stood up pretty well
 August 2020
Cashflow-driven investing (or CDI) is becoming increasingly topical as pension schemes progress
to their endgame. Not only this, but market events in the first quarter of 2020 have seen credit spreads
widen significantly, which has improved the feasibility of implementing a CDI solution for schemes with funding positions that have weathered the crisis
 April 2020
Schroders explores how fiduciary management can help pension schemes reach their endgame, whatever that may be
 April 2020
Marcus Mollan reveals how Aviva manages the tricky balance of leading the way with
sustainable investing, while ensuring secure, long-term returns for its annuity business
 February 2020
Gregg McClymont explores the challenges of ensuring the pensions general levy is fair for all
 February 2020
Over the years since the retailer’s collapse, the determination notice for Dominic Chappell has finally marked the end of the BHS saga, although the mark left on the industry seems likely to remain for years to come
 February 2020
Jonathan Watts-Lay considers ways to help employees avoid pension pitfalls, leading to better outcomes at retirement
 February 2020
James Lindsay reveals why active matters for emerging market opportunities
 February 2020
Sophie Smith looks at the financial stressors facing UK savers throughout life and how the
pension industry can encourage retirement saving without adding to the pressure
 January 2020
Pension service providers should view consolidation as an opportunity, rather than a threat
 January 2020
Jack Gray speaks to Camarthenshire County Council treasury and pensions investments manager, Anthony Parnell, about the Wales Pension Partnership pool’s environmental, social, and governance investment agenda and long-term strategy
 January 2020
Tommy Burns reveals the latest developments within pension scams
 January 2020
Jonathan Watts-Lay explores how to achieve better outcomes at retirement
 January 2020
In a record-breaking year for bulk annuity deals, Aviva has ensured that its annuity money is put to good use, through investing in social infrastructure
 January 2020
David Pharo and Thomas Williams explain the importance of partnership with your administration provider when de-risking
 January 2020
Be it planning for the end game, getting your head around new investment principles or trying to avoid groupthink, the pressures on a modern-day trustee are no walk in the park. So for this day and age, what skills are a must for trustees, and are the ever-growing requirements leaving some good trustees behind?
 January 2020
Industry experts have called for a full review of the general levy following proposals by the DWP, which have raised concerns around transparency and how the levy is calculated and apportioned
 January 2020
Despite a General Election result bedding in and the ongoing difficulties of Brexit, 2020 could be a big year for pensions legislation and schemes would do well to be prepared. Sara Benwell looks ahead at the trends likely to shape the coming year
 January 2020
GDPR caused lots of disruption prior to its implementation, but how much of an impact does it have now over a year on from its launch? Chris Tagg explains
 January 2020
Going into 2020, investors face a number of risks. But we also see opportunities, particularly away from the US
 January 2020
While those in the industry benefit from an awareness that there are differing member attitudes to financial risk, savers themselves are often unaware of their own attitudes. So how can schemes appropriately communicate financial risk to different segments of their membership?
 February 2020
Duncan Ferris looks at scheme administration, examining why some like to keep things in house and others favour calling in a third party
 February 2020
Gill Wadsworth examines the many reasons why DC pot sizes may vary wildly, and what can be done to shrink the gap
 February 2020
Jack Gray investigates which type of saver would be best suited to which saving vehicles, and whether these products should compete with, or complement, a pension
 February 2020
Duncan Ferris speaks to Money and Pensions Service (Maps) head of pension policy and strategy, Carolyn Jones, about the organisation’s new 10-year strategy
 February 2020
Nick Reeve examines the efforts taken by the pensions industry to represent its increasingly diverse range of savers
 February 2020
Lynn Strongin Dodds considers how low interest rates and negative cashflows make long-income products appealing to pension funds
 February 2020
Laura Blows looks at the current focus on reducing executives’ retirement remuneration to better align with the pension contributions offered to their workforce, and how pension funds as shareholders can get involved
 February 2020
Nick Reeve considers the importance of pension schemes looking beyond the domestic markets when investing
 January 2020
As the number of deferred pension scheme members grows, Gill Wadsworth explores how they may no longer be poor relations to their active counterparts
 January 2020
Laura Blows considers the reasons why a trustee board should conduct a review of its own processes
 January 2020
With the ongoing calls for a professional trustee on every pension board persisting, Jack Gray investigates whether this could be unachievable and unnecessary presently, and why
ensuring a better standard of professional trustee may be more desirable than simply one on every board
 January 2020
Maggie Williams considers the current impact of legacy pension products on both the industry and savers alike
 December 2019
Age UK senior policy manager, Christopher Brooks, talks to Sophie Smith about Age UK’s Fighting the freedoms research report and what action the industry could take to better support members through the ups and downs of pension freedoms
 December 2019
Gill Wadsworth explores trends within the longevity hedging market, currently in the shadows of record buyout and buy-in transactions
 December 2019
The DB endgame nears for many schemes. Nick Reeve considers the journey to completion and its implications
 December 2019
While the overall backdrop may be more stable in 2020, Garland Hansmann explains why there will be no shortage of choice for bottom-up credit investors
 December 2019
Trevor Greetham explains why it’s time for a fresh look at diversified growth funds
 December 2019
Talib Sheikh and Matthew Morgan consider how pension funds can grow their assets while minimising risk
 December 2019
Multi-asset investing is a broad term. Sandra Haurant explores the variety of options available within multi-asset investing and its latest trends
 December 2019
Jack Gray assesses the new investment governance rules for trustees, fiduciary managers and investment consultants, how they will change the role of the trustee, and whether it is one regulatory step too far
 December 2019
The DB funding code, changing investment strategies, master trusts, sustainability, scams – Pensions Age looks at the some of the big industry topics set to dominate the industry over the coming year, as discussed at the second Pensions Age Western Conference
 December 2019
In May 2019, the Brick Development Association completed a buy-in for its legacy defined benefi t pension scheme with Legal & General, insuring the £1.7 million of benefits for its 13 members. Jack Gray speaks to the scheme trustee and employer about the challenges faced as a small scheme, the process preceding the deal completion, and why it was close to never happening at all
 December 2019
Annuity rates have taken somewhat of a battering throughout 2019, reaching their lowest point since the Brexit referendum in late August. What does this mean for the product going forward?
 December 2019
Pensions Age talks to Aon principal consultant, Karen Gainsford, about the importance of understanding behavioural traits when implementing a de-risking solution
 December 2019
In a series of podcasts, Aon explored the underlying thought processes when deciding whether to implement a de-risking solution
 December 2019
The Pensions Regulator’s authorisation of DC master trusts is now complete. What’s next for these retirement saving vehicles?
 December 2019
With over 5,000 DB schemes in the marketplace, it’s no surprise that project de-risk is being treated as a mission in itself within the industry. At the inaugural Pensions Age DB journey planning summit, held in association with Just, speakers focused on how schemes can choose the right route for them, and get to the front of the pack
 December 2019
As the 2010s draw to a close, Pensions Age asks: What were the biggest developments to occur for the pensions industry over the past 10 years?
 December 2019
Pension lawyers provide a round-up of some of the key pensions cases of 2019
 December 2019
With the ongoing NHS tax crisis, a record year for bulk annuity deals, and the rise and fall of the Pension Schemes Bill in 2019, Jack Gray looks back on what has been a busy year in the pensions industry
 December 2019
Jonathan Watts-Lay asks: Who is really responsible for the decisions members make at-retirement?
 December 2019
Nigel Peaple reveals how savers can picture their future using Retirement Living Standards
 December 2019
2019 has seen a significant dislocation in sub-investment grade credit markets – most notably in lower-rated global high yield and US loans. In our view, this has created an attractive opportunity for investors prepared to take a medium to longer-term view
 December 2019
Matthew Swynnerton looks at a determination from the Pensions Ombudsman about due diligence in relation to transfers
 December 2019
Andrew Williams considers the opportunities for pension funds to invest in social and private-rented housing
 November 2019
Pensions Age asks which other industries have developments that may be of use to the pensions sector
 November 2019
Pete Carvill explores the journey of selecting a fiduciary manager
 November 2019
Tim Banks explores how fiduciary management can provide pension schemes with the flexibility they need during their journey plan
 November 2019
Sara Benwell explores how to make the dream of pensions dashboards a reality
 November 2019
Telent and Rothesay Life recently conclude the largest bulk annuity deal in UK history, completing a full buyout with the GEC 1972 scheme worth £4.7 billion, in September 2019. Jack Gray speaks to Telent pensions director, Pete Harris, its CIO, Alan Goodman, and Rothesay Life co-head of business development, Sammy Cooper-Smith, about how this unique deal was completed
 November 2019
The past year has seen record-breaking activity in the bulk annuity market, including a number of huge buy-in deals. David Adams looks at the reasons why pension scheme trustees might consider using a buy-in and the consequences that decision might have on scheme investment portfolios and funding plans
 November 2019
Jos Vermeulen compares a partial buy-in with an insurer to a self-managed de-risking approach
 November 2019
Jos Vermeulen compares a partial buy-in with an insurer to a self-managed de-risking approach
 November 2019
Jos Vermeulen compares a partial buy-in with an insurer to a self-managed de-risking approach
 November 2019
Maggie Williams looks at the many ways a scheme can streamline its processes
 November 2019
The omission of defined benefit consolidation legislation from the upcoming Pensions Schemes Bill is a bump in the road for the two main commercial consolidators, but time must be taken to balance member security, employer affordability and investor profitability
 November 2019
With new codes and principles being established to ensure that pension schemes are declaring their investment strategies, Jack Gray speaks to LPP deputy chief investment officer, Richard Tomlinson, about how Local Government Pension Scheme (LGPS) and public sector scheme investment strategies differ from the norm
 November 2019
Lynn Strongin Dodds explores how ESG integration into
pension fund portfolios is evolving
 November 2019
The first generation of ESG strategies excluded whole sectors from investors’
portfolios. Such approaches are still widely used, but investors may be
underestimating their impact on portfolio diversification
 November 2019
Paul Sturgess explores the risks of relying too much on the knowledge of long-standing team members
 November 2019
Laura Blows looks at the lack of public trust in pensions saving and the eff orts that can be taken by the industry to remedy this
 November 2019
Pensions Age looks for your tips as to how pension fund trustees/managers can ensure a harmonious relationship with their providers
 November 2019
Nick Reeve explores the relationship between the size of the DB scheme and the size of its sponsoring company
 November 2019
Aon senior partner and head of member options team, Benjamin Roe, speaks to Pensions Age about member option exercises
 November 2019
Tom Clarke asks how far away your scheme really is from being able to buy out members' benefits?
 November 2019
Guy Freeman looks at another record-breaking year for bulk annuities and what this means for schemes yet to turn to insurance
 November 2019
Frank Meijer discusses the attractions of asset-backed securities
 November 2019
Frank Meijer discusses the attractions of asset-backed securities
 November 2019
David Whitehair explains how harnessing the power of emotions and their ethical concerns can encourage millennials to invest in their pension
 November 2019
Kai Hoffmann considers how this has been another record year in bulk annuities, with more to come in 2020
 November 2019
With trustee workloads ever-increasing, Roy Porter looks at the growing trend for consolidation within the DC market
 November 2019
Henry Odogwu reveals why climate change also matters for government bond investing
 November 2019
Martin Kellaway highlights the significant protections trustee insurance can cover
 November 2019
Pensions saving among the self-employed is woefully low. And yet this segment of the workforce has been increasing, potentially leaving a significant amount of people without adequate retirement savings. What recommendations does the industry have to help improve the rate of self-employed retirement saving?
 October 2019
Long-term low yields have left pensions looking for new ways to invest. Sandra Haurant asks whether diversification through multi-asset credit can hold the answer
 October 2019
Investec Asset Management’s head of developed market credit, Jeff Boswell, speaks to Pensions Age about the benefits of a dynamic multi-asset credit investment strategy in a changing fixed-income market
 October 2019
The Pensions Regulator has long emphasised ‘21st century trusteeship’, but what are the main skills and qualities required to be a modern-day trustee?
 October 2019
Having now become established within the UK pensions market, Elizabeth Pfeuti considers how fiduciary management will fare under challenging investment market conditions
 October 2019
The benefits of partnering with the right fiduciary manager
 October 2019
The public sector is the last bastion of defined benefit pension provision in the UK. But is this crumbling edifice in danger of toppling? Stephanie Hawthorne reports
 October 2019
Girish Menezes considers how pension scheme admin, and the administrators
themselves, can become more environmentally friendly
 October 2019
Henry Odogwu explores the growing interest in blending ESG with smart beta
 October 2019
Aon's Tim Manuel, UK head of responsible investment, explores the drivers and
benefits of impact investing, a fast-growing area
 October 2019
Paul Brain and Scott Freedman explain why a sustainable approach to bond investing could boost returns and reduce risk
 October 2019
Gareth Collard explores the link between sustainable investments and sustainable pension payments
 October 2019
The Pensions Regulator’s (TPR) new trustee requirements came into force at the beginning of this month to ensure that trustees disclose how they are integrating sustainable investment principles into their strategies. Jack Gray investigates what this means for trustees, the challenges it presents and whether this is one regulation too far
 October 2019
University of Leeds associate professor, Iain Clacher, talks to Natalie Tuck about his research on pensions, and what changes he would like to see for the industry in the future
 October 2019
As we approach the final stages of the first wave of master trust authorisation and consolidation begins to take shape, it’s important to not lose sight of what will make a good master trust in a post-authorisation world
 October 2019
Anish Rav from Atlas Master Trust reveals how, despite authorisation, not all master trusts are the same, and what needs to be considered when selecting one
 October 2019
Maggie Williams reveals how the de-risking market has been hitting highs lately, with the volume of deals this year exceeding the 2018 record-breaking transaction levels, and next year being predicted to go even further. What can pension schemes looking for buyout do to join this trend?
 October 2019
Jos Vermeulen explains why different analysis is required when comparing buy-ins and buyouts
 October 2019
The eurozone has defied the odds and critics to reach its 20th birthday. Andrew Cole says the region could deliver some positive economic surprises over the coming months, to the benefit of its equity markets
 October 2019
Maria Municchi discusses ESG considerations within multi-asset investing
 October 2019
Judith Hetherington considers whether UK schemes are getting to grips with governance and risk management
 October 2019
Gregg McClymont considers the requirements needed for the successful launch of the pensions dashboard
 October 2019
Maurice Titley considers what needs to happen for the pensions industry to get to a time beyond GMPs
 October 2019
Why are pension schemes reducing their equity holdings and embracing alternatives and illiquids?
 October 2019
Investors in open-ended commercial property funds can suffer from the so-called ‘lobster pot’ problem (easy to enter, difficult to exit). Tony Yu of Kames Capital offers an innovative solution for UK pension schemes
 October 2019
Elizabeth Pfeuti explores whether pension funds are becoming akin to insurers with their investment strategies
 October 2019
John Devine explains the importance of companies regularly monitoring the retirement saving vehicle they select for their staff
 October 2019
Sara Benwell considers examples of how communications initiatives are pushing the boundaries of member interest
 October 2019
Due to its member-owned business structure, the Co-op operates its schemes differently to most, with a particular focus on sustainable investing. Jack Gray speaks to Co-op pensions investment and risk manager, James Giles, about the schemes’ funding levels, environmental, social and governance investment goals, and de-risking strategies
 October 2019
Paul Beardwell explores the trends observed so far from the companies undergoing the re-enrolment process with its employees
 October 2019
The use of automation to carry out tasks within the industry is increasing, particularly for DC pensions, but will we get to a point where human input is no longer needed, or is that the stuff of dreams?
 October 2019
Laura Blows explores the difference between chronological and biological age, and how knowing members’ biological ages may affect the pensions industry
 October 2019
Talya Misiri discovers how the pensions industry assists its vulnerable customers
 September 2019
Zombies. Zombies everywhere. In all corners of the pensions industry. We find out where they’re lurking within DB, DC and even within drawdown
 September 2019
Sunniva Kolostyak reports on the darker side of pension freedoms and how professionals must take action to save people from making the wrong choice
 September 2019
Bulk annuity transactions have hit record levels in recent years. Peter Carvill asks whether the trend will continue and what schemes can do to look more attractive to insurers
 September 2019
Key players in the cashflow-driven investment space have much advice for defined benefit schemes about to undertake this journey. All agree that such plans should be robust, but not all agree on the best path of travel. David Rowley finds out more
 September 2019
Schneider Pension Plan’s trustee board chair, Rodney Turtle, and pensions manager, Jerry Gandhi, speak to Natalie Tuck about the journey of switching from a traditional manager mix to a single fiduciary manager
 September 2019
How to ensure the information that members receive, or are directed to, by their pension schemes is up to date, accurate and of high quality
 September 2019
Consolidation can offer benefits to small schemes, but trustees must choose wisely or they risk leaving members worse off, writes Sara Benwell
 September 2019
Sean Farrell explores the growing trend towards consolidation within the pensions sector
 September 2019
Jack Gray talks to Pension Scams Industry Group (PSIG) chair, Margaret Snowdon, about its progress, what effect the updated scams code has had and the next steps to nullify the threat posed by scammers
 September 2019
Many schemes with pension deficits continue to pay shareholders dividends that vastly outweigh the amount they pay into their DB schemes to try to bring them out of deficit. Jack Gray investigates whether it is the right thing to do and if there should be stricter regulations to narrow the ratio between dividend payments and deficit contributions
 September 2019
Default funds don’t often get good press, whether that be for varying levels of returns across the industry, or the lack of diversification of assets within them. Natalie Tuck examines the problems with default funds and how they can be improved
 September 2019
Defined benefit master trusts (DBMTs) have existed for a number of years and are one of the options for consolidation in the market. But, asks Andy Knaggs, how can they communicate their offerings and benefits amidst the hype of the new superfunds and the fixation with buyouts?
 September 2019
Paul Yates explains why now is the time for DB consolidation and how to make it happen
 September 2019
Kai Hoffmann of Legal & General presents a case study of the partial buyout with the Rolls-Royce UK Pension Fund, the largest transaction in the history of the UK bulk annuity market
 September 2019
The bulk annuity market has enjoyed another record-breaking six months – and the work Aviva has put into its de-risking technology platforms should mean the next six months are impressive too
 September 2019
The Pensions Regulator (TPR) has upped the standards it expects of trustees when completing their chair’s statements, creating new challenges. Jack Gray assesses how trustees have had to change to meet the new expectations and whether TPR’s non-compliance penalties are sufficient
 September 2019
New requirements for trustees in relation to investment consultancy and fiduciary management services
 September 2019
Pensions Age finds out times when a pension scheme member took you by surprise
 September 2019
Frank Meijer discusses the attractions of asset-backed securities
 September 2019
With projects such as GMP equalisation, the pensions dashboard and the rise in de-risking, having good data is imperative for pension schemes. Natalie Tuck reports
 September 2019
John Herbert discusses different views on what the ‘DB end game’ could look like and whether it is much closer than many people think
 September 2019
Craig Scordellis considers the opportunities in credit markets
 September 2019
Darren Ryder reveals details of The Pensions Regulator’s investigation into companies rebranding to avoid their auto-enrolment duties
 September 2019
Nico Aspinall considers how to balance both financial and environmental outcomes when investing
 September 2019
Laura Blows explores the recent government confirmation that the landmark McCloud court ruling will apply to all public sector schemes and what can be done to prepare for unknown changes
 September 2019
Matthew Swynnerton (who is a member of the Pension Scams Industry Group) looks at some of the steps that are being taken to deal with pension scams
 September 2019
Jonathan Watts-Lay suggests how to help scheme members avoid the pension pitfalls of freedom and choice
 September 2019
Factor-based strategies are increasingly being used not only for equities, but also for bonds. It is crucial for investors to look closely at the details, because the various systematic approaches can vary considerably
 September 2019
Pensions Age explores the potential portfolio benefits of alternative beta in a challenging market environment
 October 2019
David Adams finds out whether parliament is still listening to the needs of the
pensions industry
 October 2019
Paul Beardwell explores the effect of the human tendency for loss aversion on trustee boards’ decision-making
 September 2019
Pensions Age hears of memorable conversations between the industry and members
 July-August 2019
Jonathan Lima Matthews highlights the self-employed pensions crisis
 July-August 2019
Pensioners are oſten discussed as a homogeneous group, but Talya Misiri reveals the varied experiences for those beyond pensionable age
 July-August 2019
Many medical conditions that could force individuals out of work
altogether or absent for long periods of time, significantly hampering
their attempts to save for retirement, are effectively invisible to onlookers.
David Adams looks at the scale of this problem and what employers and
policymakers could do to improve the situation
 July-August 2019
At present, the average earner saving into a DC pension faces a stark
choice. They must either cut back on current spending, or lower their
retirement income expectations
 July-August 2019
Last month, Housing Minister James Brokenshire suggested allowing first-time buyers to dip into their pension savings to help fund their house purchase. Jack Gray investigates whether this is a viable policy to implement
 July-August 2019
Sunniva Kolostyak explores whether different relationships are receiving the same treatment when it comes to receiving survivor’s pensions benefits
 July-August 2019
David Ainsworth explains the increasing difficulties providing pension
schemes have on charities
 July-August 2019
Caroline Escott reveals how the PLSA is bringing together FTSE 100 firms and pension schemes to discuss why a company’s workplace culture is an important factor when making investment decision
 July-August 2019
Vassos Vassou explains why trustees need to be leading the way with ESG
matters
 July-August 2019
Andrew Williams considers how pension funds’ investment choices can
help make a difference with tackling climate change
 July-August 2019
Sandra Haurant explores how pension investments are riding volatility
 July-August 2019
Lynn Strongin Dodds discovers how pension fund investors are looking to emerging markets as bright spots within challenging market conditions
 July-August 2019
Pensions Age investigates which aspects of international pension
structures the UK may want to adopt
 July-August 2019
UK-based pension schemes with a strong overseas parent may consider themselves lucky, and while having it may initially seem beneficial, regulatory and cultural hurdles may oſten prove off-putting for a foreign parent. Theo Andrew weighs up the pros and cons of an overseas parent company
 July-August 2019
Eli Lilly and Company, the global pharmaceutical business, has a DB pension scheme with around 6,500 members, including 700 active ones. Jack Gray speaks to Lilly director, pensions and benefits, Julie Osman, about the scheme’s member outcomes, the challenges facing its trustees and its road to self-sufficiency
 July-August 2019
Having managed the transfer from a single trust pension scheme to a master trust twice, once while at Santander and once with his current employer, Aspen Insurance, its group head of rewards, Elliot Rees Davies, talks to Theo Andrew about how to ensure a smooth process for the member
 July-August 2019
Whether it was DB schemes being prepared for their end-game, or PPF assessment, to being ready to respond to TPR’s more proactive approach to
regulation, or the changing environment around sustainable investment, this year’s Pensions Age Northern Conference was all about being battle ready
to take on the biggest challenges facing pension schemes
 July-August 2019
This major article looks at the challenges of GMP equalisation and how pension funds should meet this challenge
 July-August 2019
A new concept in property investment is revolutionising the way pension schemes view this asset class
 July-August 2019
Jonathan Sharp and Paul Williams consider where superfunds will fit within the DB de-risking market
 July-August 2019
Roy Porter from The People’s Pension explains why master trusts are set to grow
 July-August 2019
Jason Walker and William Murray reveal how regulatory capital transactions can provide diversification and attractive returns
 July-August 2019
Mike Edwards reveals how status quo bias may be preventing schemes from reducing their longevity risk
 July-August 2019
As China ages fast, the country will become an importer of capital and grab a greater share of international investment. Portfolios will have to adjust to reflect this
 July/August 2019
2018 will probably be remembered as the year volatility returned to the market. We believe there are a number of tail risks on the horizon that could cause this to continue. In this article we summarise some of the simple, low governance tools defined benefit pension schemes have at their disposal to assist in navigating through volatile times
 July-August 2019
Generation X is often referred to as the sandwich generation when it comes to pensions, but what kind of pension provision does this generation have, and is it taking an interest in retirement savings? Natalie Tuck reports
 June 2019
With several high-profile pensions campaigns hitting the headlines, along with the advent of social media, which has seen some groups rocket to prominence, what can we learn from these campaigns when it comes to education and engagement?
 June 2019
Trustees, employers and service providers that deliver pension communications are increasingly looking to new technology to drive people’s engagement in their pension schemes, and personalised video statements have become a key part of that progression, reports Andy Knaggs
 June 2019
A bit of what you fancy is good for you, but how much is too much? Sara Benwell considers whether the pension freedoms offer too much choice, and how the industry can ensure people make the right decisions for them
 June 2019
The pensions dashboard is yet again at a red light, with political upheaval getting in the way, but what can we expect this year? Talya Misiri reports
 June 2019
Automatic enrolment opt-out rates have been lower than anyone anticipated, but does this show greater engagement in workplace pensions or does it just highlight the apathy that savers feel? Jack Gray examines the underlying factors
 June 2019
Sunniva Kolostyak explores how companies and associations engage with trustees and what methods are used to catch the attention of the disengaged
 June 2019
With employer covenant assessments taking many different approaches, should there be stricter guidelines about what goes into them, and how is the regulator keeping check of employer covenant?
 June 2019
Although the pensions industry is increasingly looking to be more sustainable in its investment strategies, few seem to be talking about nuclear energy. Jack Gray investigates this much-debated form of low carbon energy and whether pension funds should consider investing in it
 June 2019
Extinction Rebellion, along with other recent high-profile campaigns on plastics and fracking, indicate that the environmental movement is getting impatient with politicians. Robert Blood argues that this will increase pressure on businesses to respond, so it’s more important than ever for investors and trustees to stay ahead of the activist curve
 June 2019
The Cost Transparency Initiative (CTI) launched its templates in May and is expecting immediate take up, but how did it get to this point? RPMI Railpen director of trustee accounting, Victoria Bell and forensic cost accountant, Andrew Walton, talk about how the scheme, which has 350,000 members and close to £30 billion of assets, became part of the pilot and what they learnt as a result
 June 2019
The Money and Pensions Service (Maps) officially launched in April this year and is currently in a listening phase. Natalie Tuck speaks to its director of strategy and insights, Sarah Porretta, on what we can expect from the integrated financial guidance service
 June 2019
Investing in Build to Rent schemes could offer pension funds a reliable, inflation-linked income, as demand for good quality rented accommodation continues to grow. David Adams investigates the growth of interest and
investment in this sector
 June 2019
Legal & General Investment Management head of BTR Dan Batterton talks to Pensions Age about the growth of the build to rent (BTR) sector and the investment opportunities it provides for pension funds
 June 2019
Despite tensions between China and the US, experts advise investors to look beyond short-term shocks and focus on the longer term when it comes to emerging markets. Lynn Strongin Dodds reports
 June 2019
Cathy L. Hepworth explains the benefits of implementing a ‘go anywhere’ emerging markets debt (EMD) investment strategy
 June 2019
Judith Hetherington looks at the upcoming pension scheme governance
guidelines for trustees
 June 2019
Chantal Thompson and Mark Solomon explain why ESG factors should be important to trustees
 June 2019
Maria Municchi considers ESG and its impact in multi-asset strategies
 June 2019
Matthew Swynnerton looks at the publication of the DWP’s guidance on the GMP conversion legislation
 June 2019
A new concept in commercial property investment is set to revolutionise the way UK pension schemes view this asset class. It has been described by one senior consultant as the ‘holy grail’ of property investment
 June 2019
Nico Aspinall from The People’s Pension defines what trustees should look for within a master trust default fund
 June 2019
Karen Gainsford explores the help available for trustees making decisions regarding their scheme’s longevity risk
 June 2019
This major article looks at the challenges of GMP equalisation and how pension funds should meet this challenge
 July/August 2019
Setting a “Long-Term Funding Target” will be an important focus for many trustee boards this year. In this paper, Schroders look at what this new target means for trustees and demonstrate how good governance can support trustees in staying in control of this target
 18/06/2019
Following a rise in complaints about inappropriate pension transfer advice, claims management companies may now look to replace their ‘mis-sold PPI’ revenue with that of ‘mis-sold pensions'
 May 2019
The number of pension industry working groups seems to have increased in recent years. Is this beneficial for the industry, with a more dedicated focus on a variety of issues, or is there a risk of there being too many of these groups to make an impact? Pensions Age asks your views
 May 2019
With discussion over whether ESG issues should be taken seriously coming to an end, implementation has begun. Elizabeth Pfeuti looks at how schemes can
integrate an ESG approach into their investments
 May 2019
New guidelines from the Department for Work and Pensions (DWP) clarify that
environmental, social and governance (ESG) information can have an impact on the financial bottom line. The consideration of ESG information can therefore help pension scheme trustees meet their core objective of providing retirement benefits for members. But what does this mean in practice?
 May 2019
Thanks to auto-enrolment and the closure of DB schemes to new entrants, attention is now turning towards DC. However, it is still many years before every DB scheme is wound up. But as those with DB expertise leave the industry and new entrants’ focus on DC, is there a risk of a DB skills shortage? Pensions Age asks: What impact will a DB knowledge gap have on the industry and how can the problems this may cause be minimised?
 May 2019
Thanks to auto-enrolment and the closure of DB schemes to new entrants, attention is now turning towards DC. However, it is still many years before every DB scheme is wound up. But as those with DB expertise leave the industry and new entrants’ focus on DC, is there a risk of a DB skills shortage? Pensions Age asks: What impact will a DB knowledge gap have on the industry and how can the problems this may cause be minimised?
 May 2019
With institutional investors turning their attention to equity defensive strategies, Lynn Strongin Dodds reports on the variety of options available and the challenges and risks they pose
 May 2019
After a disastrous 2018, emerging markets have seen an uptick in the first quarter of this year. But where within emerging markets are pension funds placing their money, how are funds evolving, and how should funds should be preparing for the future? Peter Carvill reports
 May 2019
James Johnstone explores the investment opportunities of those emerging markets currently under represented by indices
 May 2019
Richard Butcher navigates the master trust authorisation process
 March 2019
With much of the media attention focused on the master trusts that have applied for or received authorisation, little attention has been paid to the schemes that are exiting the market. So for schemes that are being forced to exit the market, what is the process, what do they have to consider and has it been plain sailing so far? Theo Andrew investigates
 May 2019
Following a number of high-profile acquisitions and mergers, it is not just pension schemes that are consolidating, but the industry as a whole. Jack Gray looks at what impact this could have on the future of pensions, who will be the big winners and losers, and whether there is safety in numbers
 May 2019
With the High Court ruling that GMP equalisation must be undertaken, schemes now have to prepare for the process and decide which method they’re going to use. Talya Misiri reports
 May 2019
With the High Court ruling that GMPs need to be equalised for men and women, Adrian Hartshorn looks at how trustees and plan sponsors can use the process to work together during this once in a lifetime opportunity
 May 2019
Sunniva Kolostyak explores the eff orts being taken to diversify the industry’s workforce
 May 2019
Master trusts have proved a successful consolidation option for DC schemes and are now being reviewed by a growing number of DB scheme trustees, reports Graham Buck
 May 2019
TPT head of direct distribution Adrian Cooper highlights the benefits of DB master trusts for those schemes considering consolidation
 May 2019
Scheme consolidation, shrinking boards and tougher regulation are forcing more lay trustees off boards. Does this mean that the days of the MNT are numbered?
 May 2019
... is there a problem with bullying on pension trustee boards? Laura Blows finds out
 May 2019
Delegates attending this year’s Pensions Age Spring Conference were treated to some topical and in-depth discussions from industry-wide commentators. With presentations from the regulator, research bodies, consultants and asset managers, there was certainly a lot to take away from the day
 May 2019
Gregg McClymont considers how the master trust authorisation process is improving governance
 May 2019
Jonathan Watts-Lay explains how creating financial wellness at-retirement is an essential element in the workplace
 May 2019
Talya Misiri looks at common trends in The Pensions Ombudsman’s recent decisions and what the industry needs to do, and be aware of, to prevent similar issues occurring
 April 2019
With many changes afoot across the UK pensions landscape, Theo Andrew sits down with Pensions and Lifetime Savings Association policy lead for defined benefit and Local Government Pension Schemes, Tiffany Tsang, to discuss the body’s key projects and challenges
 April 2019
Reports that employers who endanger their company pension schemes through reckless behaviour have meant that other proposed powers for the regulator attracted less attention, reports Graham Buck
 April 2019
The Pensions Regulator’s (TPR) 2019 Annual Funding Statement encourages trustees to set a long-term funding target (LTFT) and a plan for getting there. Aligning trustees’ funding targets with their de-risking plans is a welcome development, but there are questions about how trustees and employers will incorporate an LTFT into a journey plan
 April 2019
With more tools and techniques at trustees disposal, as well as improvements in technology and a shiſt in focus to the long-term journey planning of schemes, is there a danger that the long-standing triennial valuation process is becoming a dangerous sideshow? Theo Andrew investigates
 April 2019
Pensions Age finds out which option the industry thinks may be the most effective in motivating sponsors to take their DB scheme responsibilities seriously
 April 2019
With minimum automatic enrolment contributions for employers having increased to 3 per cent this month, Natalie Tuck looks at the impact of the policy on employers, and whether they can face further increases to contributions
 April 2019
Norfolk Pension Fund recently acted as the lead plaintiff in a class action against US pharmaceutical company, Puma Biotechnology, which it won. Natalie Tuck speaks to the fund’s investment and actuarial manager, Alex Younger, along with its legal representative, Robbins, Gellar, Rudman and Dowd LLP partner Mark Solomon
 April 2019
Elizabeth Pfeuti examines how factor investing can be applied to fixed income
 April 2019
Dr Philip Messow explores the role of active, quantitative investing in corporate bonds
 April 2019
Tim Middleton discusses the newly-launched standards for professional trustees
 April 2019
Industry members came from far and wide to discuss what stricter ESG regulations mean for the pensions landscape, what more needs to be done to promote sustainable investment and how to achieve enhanced returns from those investments
 April 2019
After years of publicity, DB schemes are increasing their allocations to infrastructure. Alastair O'Dell reports
 April 2019
Claire Smith considers potential developments that may negatively impact upon infrastructure investment
 April 2019
The pensions industry is changing; regulation, technology and disruptors are all influencing the challenging yet opportunistic environment the industry is in. Our data seminar, in association with ITM, looked at where the industry is heading and what the industry can learn from the past
 April 2019
Speaking at the recent PLSA investment conference, Plumbing Pensions chief executive Kate Yates explains how the DB master trust has been reducing its risk and why you do not always need to know the ultimate end game at the start of the de-risking process
 April 2019
Arron Slocombe and Tom McNaughton reveal the challenges and opportunities creative funding strategies can provide for scheme sponsors and the modern trustee
 April 2019
Tristan Hanson highlights the importance of monitoring DGF strategies throughout the investment cycle
 April 2019
Maggie Williams explores how medical staff navigating the lifetime and annual allowance limits is affecting how the NHS functions
 April 2019
David Adams explores the pressure of increasing professionalism within the pensions trustee board structure
 April 2019
Steven Leigh explains how it may be for differing reasons, but both higher and lower earners need support during their retirement saving journey
 April 2019
Gold is back in the limelight. But now there’s a better way of investing in the precious metal than just buying bullion
 April 2019
The compelling case for infrastructure debt in a CDI strategy
 01/04/2019
Ever-increasing workloads, growing regulatory pressure, horror pensions stories in the press; there are times when it can seem difficult to believe that the work is worthwhile and has a material value to members’ lives. But it’s always nice to remember the constructive ways the industry can help people make the most of their savings. Pensions Age asks: What work-based memories make you feel ‘warm and fuzzy’ for the difference it generated? We hear your ‘good news’ stories
 March 2019
Equity release is on the rise, but what does this mean for the pensions industry? Natalie Tuck investigates
 March 2019
Laura Blows reveals how some employers and trustees are transferring specific portions of their membership into master trusts, while also retaining their own trust-based DC scheme
 March 2019
With the long-running issues surrounding fee transparency still mostly unresolved, Jack Gray investigates the framework that could go a long way in creating a fairer environment for trustees and members
 March 2019
Margaret Snowdon considers how, along with the immediate financial loss to the member, scams can also cost a great deal in terms of time and effort lost, plus potential legal and tax charges
 March 2019
As the Work and Pensions Committee prepares to send its findings from its inquiry into advisers’ contingent charging for transfers to the FCA, Theo Andrew takes a look at the responses, possible solutions and why finding a way out of this challenge continues to be a maze for the regulator
 March 2019
Custodians are gaining new ground within the pensions space, forming stronger partnerships with pension funds. Elizabeth Pfeuti reports
 March 2019
Pooling has given local authority pension schemes the scale to invest in private markets, but progress remains slow. Sara Benwell explores
 March 2019
In recent years, there has been a boom in the popularity of ESG investing by UK pension funds. So, why exactly has it become more popular? Andrew Williams investigates
 March 2019
Raj Shant explains how two key Newton investment strategies, dividend income and sustainable investing, can be combined to help deliver sustainable, long-term returns
 March 2019
Lynn Strongin Dodds considers whether investing in retail real estate is losing its edge
 March 2019
Faced with the possibility of closing its pensions scheme, insurance provider Saga thought outside the box to keep its scheme open to members, boosting their financial wellbeing at the same time. Theo Andrew talks to Saga group HR director, Karen Caddick, about just how this was achieved
 March 2019
In a recent article for Pensions Age, SPP president Paul McGlone contemplated the return of sponsor contribution holidays for schemes that are in surplus. But should sponsors be able to do this? Those in the industry argue the case for and against
 March 2019
Brexit means Brexit. Theresa May’s mantra since she moved into 10 Downing Street has been a familiar one. But what does it mean for the pensions sector?
 March 2019
Aon’s Sophia Singleton explores the differences between men’s and women’s retirement plans and in particular how DC schemes can ensure their support structures are appropriate for all
 March 2019
Subsidising member advice might just be one of the shrewdest moves ever made by a trustee board or an employer, Ian Gutteridge reveals
 March 2019
Matthew Swynnerton looks at some of the legislative and regulatory developments that are on the horizon for trustees of occupational pension schemes
 March 2019
Jim Fitzpatrick reveals how an active, global approach is key to investing in loans market
 March 2019
Trustee board members can be subjected to large amounts of technical information and are under pressure to make the right decisions. Whether they know it or not, behavioural biases could easily impact their choices. Andy Knaggs looks at how the risks of this can be mitigated
 February 2019
The levels of diversity within pension savers, trustee boards and the industry generally
 February 2019
Alternatives have been popular with pension funds for several years, but with increased market volatility, pension funds are having to broaden the range of alternatives that they turn to. Lynn Strongin Dodds investigates
 February 2019
Despite industry warnings, consumers are still abandoning annuities in droves. Could hybrid products bridge the gap between flexibility and security? Sara Benwell explores
 February 2019
Almost four years on from the introduction of the pension freedoms, Alastair O’Dell looks at how DC default funds are adapting to increasingly diverse retirement choices
 February 2019
Having transitioned from being the Royal British Legion’s finance director to its pension trustee, John Graham tells Natalie Tuck why the scheme is keeping its growth assets while working towards self-sufficiency, rather than the popular option of de-risking
 February 2019
Jack Gray explores the difficulties trustees face in switching administrators, how the process could be simplified and why it is worth the hassle to get the right provider
 February 2019
As schemes start to fully understand the implications of the High Court ruling on guaranteed minimum pensions (GMP), what, apart from the harrowing
complexity, are the issues we should be focusing on? Theo Andrew investigates
 February 2019
3 February marked 100 days since the ruling in the Lloyds Bank GMP equalisation case, affecting thousands of UK DB pension schemes and millions of members. Tom Yorath, an expert witness in the Lloyds case, shares his views on how the industry has moved forward since the judgment date following almost 30 years of legal uncertainty
 February 2019
Following the switch of public-sector schemes to CPI from RPI in 2011, and the recent report from the House of Lords’ committee that slammed the government for continuing to use RPI, Elizabeth Pfeuti looks at whether private-sector schemes can, and should, make the switch
 February 2019
Superfunds, the new DB consolidation options available to schemes looking to de-risk, have been compared and contrasted against insurance buyouts, despite both types of provider stating they will not generally be in direct competition with each other. Laura Blows looks at the relationship between insurers and commercial consolidators
 February 2019
Commercial consolidators – aka superfunds – have entered the DB de-risking market to a flurry of interest, with the first schemes to join them expected to move soon, possibly once regulatory oversight is confirmed. Laura Blows explores these new entities and the considerations trustees should have when contemplating consolidation
 February 2019
Considering the role of small DB schemes, the future of small DC schemes, and the influence of small pension providers
 February 2019
Duncan Howorth discusses the important role of data in the master trust authorisation process and beyond…
 February 2019
Retirees now have more freedom and choice regarding their pension pot than ever before, but with that increased freedom comes increased risks. Jonathan Watts-Lay discusses these risks
 February 2019
With dry powder for infrastructure equity investment at an all-time high, project sponsors have had to become more conscious of financing costs for projects in an attempt to reduce costs to bolster equity returns. With this, we have seen the junior debt segment of the market becoming used more frequently to create
more efficient funding structures
 February 2019
Jack Gray talks to the chair of the Pensions Administration Standards Association (Pasa), Kim Gubler, about the importance of available and accurate data, how technology can improve pension administration and what the future holds for Pasa
 January 2019
Featuring:
• The evolution of pension trusteeship
• How trustees should prepare for bulk-annuity transactions
• How trustees can help members understand their options
• Five ways trustees can improve their pension administration
• Company profiles
 January 2019
Iona Bain talks about Next Gen’s efforts to ensure that younger people in the pensions industry are no longer a novelty
 January 2019
There has been a gradual improvement in the reputation of pensions among the general public. But more needs to be done to win back the trust of cynical cohorts of the population
 January 2019
Between 2010 and 2015 changes to the pensions system were high on the political agenda, but since 2016, with the status of Pensions Minister downgraded and more radical reform seemingly delayed indefinitely, it seems to have slipped down the agenda. David Adams asks how and why that might change in future
 January 2019
Sunniva Kolostyak explores the upcoming implementation of the IORP II Directive, how the UK will implement this European regulation in the shadow of Brexit, and the extent of the impact the directive will have on pension schemes
 January 2019
Pensions could be on the brink of something special in 2019, and with a number of high profile initiatives in the wings (in spite of the political turmoil), Pensions Minister Guy Opperman is hopeful that a bumper pensions bill could make them a reality. Theo Andrew looks ahead for the year
 January 2019
With experts predicting that 2019 will be even more volatile for markets than 2018, due to geopolitical events, Lynn Strongin Dodds looks at what the New Year might bring, and the asset classes pension schemes should consider
 January 2019
With record levels of DB scheme assets being transferred to bulk annuities, Gareth Collard, chief investment officer at Just, looks at the investment challenges for insurers and some of the assets his team have secured for their annuity asset portfolio
 January 2019
Relative to government bonds, UK equity dividend yields are more generous than they’ve been for 60 years. That's something investors can’t ignore, Brexit or no Brexit
 January 2019
Girish Menezes considers how the pensions dashboard will accelerate the clean data drive
 January 2019
Laura Blows explores how words used can trigger an emotive response, and how the pensions industry can use this to its advantage within its communications
 December 2018
Pensions Age asks for your examples of challenging death benefits cases
 December 2018
Improved funding ratios, better hedging and attractive pricing has helped many DB schemes navigate their way to de-risking solutions, finds Sara Benwell
 December 2018
With strikes, protests and corporate insolvencies making frequent headlines, Joe McGrath investigates the impact DB pensions have on companies and the public sector, beyond the financial burden, and asks whether members are aware
 December 2018
Theo Andrew talks to International Longevity Centre director, David Sinclair, about the biggest policy challenges facing the pensions industry, why we should consider a more flexible approach to work now and the reasons we should be taking robo advice more seriously
 December 2018
Considering the pros and cons of drawdown, annuities and buy-to let property
 December 2018
Featuring:
• The popularity of multi-asset funds
• How multi-assets can provide steady income in stormy markets
• The importance of reading investment market waves
• Investment trends for 2019
• Company profiles
 December 2018
Patient capital in the pensions landscape is what most have been waiting for, so aſter the Chancellor’s recent Budget announcement that the government will look to open up DC pension pots into illiquid investing, what will this look like? And will it stand the test of time? Theo Andrew investigates
 December 2018
Laura Blows looks at the second wave of baby boomers now approaching retirement
 December 2018
Tim Giles, head of investment for UK and Ireland at Aon, explains how being ‘active’ can help to improve your pension scheme’s returns
 December 2018
Having transferred its legacy DB scheme to TPT Retirement Solution’s Master Trust in January this year, Natalie Tuck speaks to Darlington Building Society finance director, Chris White, about how the transition went, and the main challenges facing the scheme
 December 2018
Matthew Swynnerton looks at new regulations in relation to the Statement of Investment Principles (SIP)
 December 2018
Accumulated assets play an important role in determining retirement readiness. But as State Street Global Advisors’ recent Global Retirement Reality Report highlights, people in the best-funded systems are not necessarily the happiest. What can retirement plan providers and policy makers learn from this and how can they support workers in feeling more secure about their future retirement?
 December 2018
Jonathan Watts-Lay considers how support for guidance pathways at retirement is growing
 December 2018
With multi-asset credit (MAC) funds rising in popularity among pension schemes in recent years, Sandra Haurant looks at how pension funds are adopting a MAC strategy as an alternative to traditional credit
 November 2018
TPR’s Lesley Titcomb sits down with Theo Andrew to discuss TPR’s new joint FCA strategy, the biggest challenges facing pensions and what she will miss about The Pensions Regulator
 November 2018
Jack Gray looks at the potential of CDC schemes in the UK and why they seem to evoke a love/hate industry response
 November 2018
Arshad Khan discusses what pension fund trustees need to consider when participating in a class action
 November 2018
Opportunities within asset-backed securities
Pensions Age Editor, Laura Blows, speaks to AXA Investment Managers Alts Co-Head of Securitised & Structured Assets, Christophe Fritsch, and Senior Portfolio Manager for Structured Finance, Xavier Lassau, about the opportunities within asset-backed securities
Alternative credit
Pensions Age editor, Laura Blows, is joined by Royal London Asset Management fund manager, Diversified ABS Fund, Shalin Shah, to talk about the opportunities in asset-backed securities.

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