Archive Features

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
Pensioners now oſt en have a higher income than the average working-age individual. Sunniva Kolostyak takes a look at the sparkling opportunities to close the generational gap
 November 2018
LGPS funds across England and Wales have begun pooling their assets into sovereign wealth funds, a legacy of former Chancellor George Osborne, but how is the process going and what challenges do the pools face? Natalie Tuck investigates
 November 2018
A new Pensions Bill is set to energise the consolidation market but what schemes should take the plunge? Stephanie Hawthorne reports
 November 2018
Exploring the pros and cons of sole trusteeship versus the group model, how to increase board diversity and the options available for trustee education
 November 2018
Hannah Simons, head of fiduciary management at Schroders, covers the five ‘Ws’ for schemes considering hiring a fiduciary manager, while Graham Buck explores how a market investigation by the Competitions and Markets Authority has put the industry under the spotlight as more pension schemes employ a fiduciary manager
 November 2018
As the Single Financial Guidance Body comes closer to fruition, Theo Andrew explores its progress, how it plans a smooth transition of three guidance bodies into one, and potential kinks in the road
 November 2018
BNP Paribas group pensions manager Lee Sullivan chats to Natalie Tuck about the bank’s pension arrangements and why in a digital world, face-to-face communication is still appreciated by members
 November 2018
One year on from the launch of Just’s DB Choice bulk annuity product, Pensions Age considers how medically underwriting members post transaction enables small pension schemes to easily and cost-effectively remove significant liabilities, while Elizabeth Pfeuti explores whether the de-risking market can continue its record run, despite competition from DB consolidators
 November 2018
In an unpredictable world, pension funds have a complex challenge of assessing their employer covenant, but more schemes are placing an emphasis on understanding employer covenant. Louise Farrand reports
 November 2018
Tony Pugh considers where future retirement income will come from
 November 2018
Pensions Age speaks to ITM about its acquisition of Faraday Tracing Bureau
 November 2018
Baker McKenzie considers how well TPR’s 21st Century Trusteeship guidance works in practice
 NOvember 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 be learnt from this and how can workers feel more secure about their future retirement?
 November 2018
Four CIOs discuss how to navigate a market in transition
 November 2018
Many fear that the pensions industry’s image has a negative impact on pension saving rates and its attractiveness as a career option for young people. Andy Knaggs looks at what the industry is doing to change perceptions
 October 2018
If you could change one thing about the UK pensions industry to
improve it for the future, what would it be? Pensions Age finds out
 October 2018
As the amount between how much people should save for retirement and how much they are actually saving widens, Sara Benwell considers why this is occurring and what can be done to mend the gap
 October 2018
Laura Blows considers whether pensions sidecars may just be the new vehicle needed to balance savers’ long-term and short-term financial needs
 October 2018
Looking at opt-out rates and contribution levels
 October 2018
Jack Gray explores how new life has been breathed into the pensions dashboard
 October 2018
With defined contribution master trust providers now invited to apply for authorisation, Theo Andrew explores how they have been brought to heel, how The Pensions Regulator has been chasing its tail and what it could mean for defined benefit master trusts
 October 2018
Exploring the advantages of an unconstrained approach to emerging market debt investing and why EMD endured a sharp correction in 2018, despite no evidence of economic contagion
 October 2018
Laura Blows considers the use of artificial intelligence within the pensions industry
 October 2018
West Yorkshire Pension Fund business development manager Yunus Gajra speaks to Jack Gray about the fund’s work for its members and what it is doing to promote responsible investment
 October 2018
Jeff Boswell of Investec Asset Management discusses how multi-asset credit strategies could meet pension scheme needs, while Lynn Strongin Dodds explores how MAC funds have come of age
 October 2018
Sandra Haurant considers why pension funds should be looking at private rental investment
 October 2018
Unprecedented change within pensions and advances in technology are threatening to destroy traditional roles and leave the industry with a very uncertain future
 October 2018
How responsible investing can lead to better long-term financial outcomes without sacrificing performance, and how responsible investing has moved from a niche thought to part of the mainstream considerations of pension fund investors
 October 2018
On the 10-year anniversary of the financial crisis, Sunniva Kolostyak explores the impact and lessons from the market crash
 October 2018
With political party conference season upon us once more, Natalie Tuck looks at the policy pledges for pensions from the main political parties
 October 2018
Leveraged loans market is becoming bigger – and riskier, says Andrew Cole, head of multi asset at Pictet Asset Management
 October 2018
Crowe’s risk management survey 2018 reveals the biggest risks facing UK pension arrangements. Are trustees really managing their pension risks and are they doing enough?
 October 2018
Gary Cowler considers how freedom and choice is impacting member engagement
 October 2018
James Edwards explains how investors can make sense of the many different multi-factor strategies on offer
 October 2018
Girish Menezes explains the five risks when moving to a new outsourced administrator
 October 2018
Capital Fund Management explores the differences between smart beta and alternative beta
 October 2018
Groupthink among trustees can undermine the effectiveness of scheme governance and strategy. David Adams looks at what can be done to reduce its incidence and influence
 September 2018
In the wake of Carillion’s collapse, how do pension scheme trustees identify, monitor and control risks – and how can they protect themselves from the ramifications of their decisions, asks Graham Buck
 September 2018
Lynn Strongin Dodds looks at the pros and cons of the CDI framework
 September 2018
They say in life that you get what you pay for, but that does not always ring true in finance, finds Elizabeth Pfeuti
 September 2018
With around 88 per cent of defined contribution members in their scheme’s default fund, it is imperative that the industry creates the best funds it can for members. Natalie Tuck looks at the impact of return variations on a member’s prospective pension pot
 September 2018
With each passing day the likelihood the UK will leave the European Union without a deal edges ever closer. Theo Andrew explores the risk this poses for pension schemes and what unintended consequences have arisen throughout the process
 September 2018
Louise Farrand explores how administrators’ increasing workload is making it more challenging to keep ‘the pensions machine’ running smoothly
 September 2018
The popularity of professional trustees on pension boards has undoubtedly provided a number of benefits. However, the growing use of these trustees comes with its own set of challenges, Laura Blows finds
 September 2018
Natalie Tuck speaks to the Pension Protection Fund’s head of investment strategy and liquid portfolio management, Ian Scott, on how the fund uses a bespoke LDI strategy, alongside a growth portfolio, to ensure it has the facility to pay its members
 September 2018
Laura Blows considers the consequences of bad data infiltrating good schemes
 September 2018
Placing a spotlight on the record year for bulk annuities, why longevity swaps are back in business and the take up of bulk member option exercises
 September 2018
Tristan Hanson considers whether pension schemes can avoid drawdown without sacrificing return
 September 2018
Jonathan Watts-Lay highlights the problems of defaulting members upon reaching retirement
 September 2018
Jay Harvey explores what setting long-term objectives means in practice for individual schemes
 September 2018
Matthew Swynnerton looks at the DWP’s recent consultation on clarifying and strengthening trustees’ investment duties
 September 2018
Matthew Swynnerton looks at the DWP’s recent consultation on clarifying and strengthening trustees’ investment duties
 September 2018
On 2 August the Bank of England raised bank base rates to 0.75% pa, the highest rate since 5 March 2009. To put this in perspective, from the end of 1694 to the end of 2008 base rates (or the equivalent) had never been below 2.0% pa
 September 2018
Paul Yates explains how trustees and companies can gain the benefits of defined benefit pension scheme consolidation, without sacrificing control over their scheme, while Pensions Age takes an in-depth look at the consolidation of DB schemes into master trusts, where this shiſt originates, and the benefits and drawbacks for schemes deciding to go down this route
 September 2018
The Environment Agency Pension Fund chief pensions officer Craig Martin chats to Theo Andrew about the fund's responsible investment approach, the Local Government Pension Scheme pooling process and its best-in-class funding ratio
 September 2018
Rob Mechem explains the essentials of planning for a bulk annuity
 September 2018
Investments in social infrastructure can deliver market rate, or better,
financial returns while making a positive contribution to communities and
the environment. But to achieve this dual return, investors need to be able to
measure and manage their social and environmental goals, writes John Levy
 September 2018
Investing in social infrastructure such as schools and hospitals can deliver steady returns to investors and many benefits to communities. With governments increasingly relying on the private sector to plug the social infrastructure gap, opportunities for investing in this asset class have never been greater, writes Raymond Jacobs
 May 2018
The pros and cons of paper, online and face-to-face communication methods
 June 2018
The first of two increases in minimum contribution levels kicked in from April, triggering fears that some workplace scheme members could either opt out or opt down
 June 2018
Andrew Williams considers how best to measure the impact of ESG investment strategies
 June 2018
Exploring the role for duration within multi asset portfolios, along with how multi asset funds can be just what pension schemes are looking for in a volatile, low-fee world
 June 2018
Natalie Tuck speaks to Pensions Policy Institute director Chris Curry about the institute’s latest research, and his thoughts on the pensions topics currently hitting the headlines
 June 2018
Theo Andrew talks to head of Marks & Spencer Pension Trust and chief investment officer, Simon Lee, to get the low down on their recent £1.4 billion buy-in deal, it was approached, what the benefit will be for its members, and what it plans to do moving forward
 June 2018
Matthew Swynnerton looks at new disclosure requirements in relation to costs and charges for occupational pension schemes providing money purchase benefits
 June 2018
Ian Terry and Fraser Stewart consider the emerging themes from Capita Employee Solutions’ latest report on pension administration
 June 2018
Greg Skinner explains how a blend of dynamically managed traditional beta sources, mixed with a range of alternative assets and strategies, can deliver the returns required by pension scheme investors
 June 2018
Maggie Williams considers the impact of DB-DC transfers on schemes’ funding valuations
 June 2018
Following industry debates as to whether there should be some kind of ‘drawdown default’ or if complete freedom and choice should be maintained at decumulation, Laura Blows looks at the experience of those implementing their freedom and choice to opt out of the default and self-select funds at the
accumulation stage
 June 2018
With record numbers of employees in master trusts, the relationship between employers and scheme members can become distanced. Talya Misiri questions the impact of this and what employers can do to plug the gap between employer-member relations
 June 2018
Neil Brady looks at the role of cryptocurrencies within the new world of saving, while Graham Buck asks how new technological developments can benefit administration
 July/August 2018
Featuring:

The popularity of factor investing

Unfounded overcrowding concerns

Transparent fund comparisons

The evolution of factor investing
 July/August 2018
Dominic Moret explores Legal & General’s ground-breaking £325 million buy-in with the BAA Pension scheme
 July/August 2018
Tim Gordon considers the slowdown in longevity rates and how pension funds can use these findings
 July/August 2018
Now in its third year, Pensions Age’s northern conference is a well-established annual event for pension professionals in the north. Speakers ranged from The Pensions Regulator and Pensions and Lifetime Savings Association to NEST and LCP, as well as many more
 July/August 2018
Should trustees be spending more of their limited time focusing on the control mechanisms (‘controls’) which mitigate their pension arrangement’s key risks?
 July/August 2018
Economies and central banks around the world are moving in lock-step with each other. Andrew Cole argues that choosing the right sectors – rather than the right regions – is now key to maximising investment returns
 July/August 2018
It’s been 28 years since the European Court of Justice (ECJ) ruling in the Barber case requiring pension schemes to equalise benefits between men and women, but the troublesome issue of GMP equalisation remains unresolved. Now there is a glimmer of hope in the form of the long awaited Lloyds Bank court case
 July/August 2018
Pension schemes are struggling to win any popularity contests in the broader context of retirement provision. How can it win appeal in a fast-changing savings culture?
 July/August 2018
Having succeeded in getting financial education included in the National Curriculum, the sector is now gathering evidence to argue that money management lessons should start even earlier – at primary school. Andy Knaggs discovers how the case is being made
 July/August 2018
The media is full of stories about generational conflict. David Adams asks if the UK pensions system really does treat younger workers unfairly, or if there are more productive ways to think about changes that will help deliver a more comfortable retirement for everyone
 July/August 2018
Modern working practices – from the rise of the gig economy to phased retirement – mean traditional pension products are becoming a poor fi t for many people. Alastair O’Dell investigates the innovations taking place to meet emerging needs
 July/August 2018
We explore the pensions systems within the largest global pension markets: Australia, Canada, Japan, the Netherlands, Switzerland and the USA
 July/August 2018
Pensions Age asks the industry which international regulations are having a significant impact on UK pension funds
 July/August 2018
Since taking on the role in 2015, Pensions Ombudsman Anthony Arter has overhauled the way the service works, implementing his own vision. Natalie Tuck speaks to him about the role and the cases TPO deals with
 July/August 2018
Sandra Haurant explores why pension funds are increasingly investing in emerging markets, and the different ways that they are doing so
 July/August 2018
Laura Blows looks at the flood of ESG conversations within the pension fund industry, and whether it is really changing the investment landscape
 July/August 2018
Sandra Haurant explores how pension funds are adapting their ratio of liquid asset holdings to meet their changing needs
 May 2018
The quest for total cost disclosure remains incomplete but there are plenty of measures for trustees to implement now, finds Alastair O’Dell
 May 2018
Sara Benwell considers the eff orts made by the pensions industry to adapt its products to the needs of today’s savers, and what more needs to be done
 May 2018
Key person risk – over-reliance on individuals within a company pension scheme who know how it is managed – continues to be a particular problem for the UK. Graham Buck examines whether there is a solution
 May 2018
Strong evidence suggests that a more varied workforce is a better performing one. But the pensions sector is playing catch up. What more can it do to promote diversity?
 May 2018
The issues affecting contract-based and trust-based schemes, along with master-trusts and SIPPs/SSAS
 May 2018
Conflicts of interest are inherent in any pension scheme. Identifying and managing them are part of good governance, says Maggie Williams
 May 2018
Geraldine Brassett reveals the best ways to manage member complaints and the importance of learning lessons from them
 May 2018
The defined benefit sector has faced mounting issues over the past few years, but has it done enough to stop the blame game and learn from its mistakes? Theo Andrew investigates
 May 2018
Nigel Jones talks through the latest anti-money laundering legislation and the responsibilities it places on pension fund trustees
 May 2018
h e bodies that oversee the pensions industry are pivotal in the development and evolution of the industry. Natalie Tuck takes a look at the current areas of focus for some of the sector’s biggest overseers
 May 2018
Investing in social infrastructure such as schools and hospitals can deliver steady returns to investors and many benefits to communities. With governments increasingly relying on the private sector to plug the social infrastructure gap, opportunities for investing in this asset class have never been greater, writes Raymond Jacobs
 May 2018
Pensions Age speaks to ITM’s leadership team as the company embarks on an exciting next stage of development
 May 2018
Jonathan Watts-Lay explains how low levels of workplace support are leaving employees at risk of shortfalls in retirement income
 May 2018
Aon’s Paul McGlone takes a look at the recent DWP White Paper, Protecting Defined Benefit Pension Schemes, to see what the future might hold for defined benefit (DB) governance requirements
 May 2018
Risk-adjusted returns mean as much to ESG investors – those that consider environmental, social and governance criteria in their investment process – as the sustainable impact they seek to attain. SSGA global head of ESG business Chris McKnett discusses how ESG integration and its alignment with factor investing has the potential to improve investment outcomes
 May 2018
Modern life presents challenges for pension scheme trustees deciding who receives the death benefit. The expression of wish form can help, but too oſt en it doesn’t reflect members’ changing personal circumstances, reports Graham Buck
 December 2017
Longevity is increasing more slowly than expected. It’s bad news for humans – but for now pensions schemes can breathe a collective sigh of relief
 December 2017
When it comes to divorce, pensions have been part of the assets up for grabs for many years, but women in particular do not tend to ask for a share of their ex’s pension during proceedings. Natalie Tuck looks at the options of pension sharing, and why, regardless of the outcome, divorce is most-commonly never good for your pension
 December 2017
Drawdown has established a firm current rule over annuities in the at-retirement market. But with an advice gap and a dangerous sequence of returns risk, is the product wearing its crown comfortably?
 December 2017
Talya Misiri talks to BNP Paribas’ group pensions manager UK, Lee Sullivan, about how the scheme has worked to overcome its lack of member engagement and the importance of delivering tailored and relevant information throughout members’ lifetimes
 December 2017
Featuring:

A wider investment world
Pensions Age explores the popularity of multi-asset funds and how they are evolving to meet the changing needs of pension fund investors

Smoothly navigating all market conditions
Unigestion’s cross-asset solutions team believes that the management of risk is at the heart of delivering consistent, stable multi-asset returns

Time to re-invent the default wheel?
Nick Groom reveals how a combination of member profiling and applying a risk-first investment approach improves member outcomes

Seeking an alternative solution
David Greene describes how diversified, absolute-return strategies
 December 2017
Why are DB pensions’ journeys to wind up often delayed? Stephanie Hawthorne reports
 December 2017
When a scheme sponsor is in distress, trustees must communicate carefully with both members and the sponsor, finds Maggie Williams
 December 2017
Talya Misiri speaks to National Federation of Occupational Pensioners CEO Malcolm Booth on the NFOP’s influence on pensioners, schemes and trustees
 December 2017
For a year that has seen Brexit take over the agenda, it has still been a busy one for pensions. From the appointment of a new Pensions Minister, to government reviews and consultations, pension scheme closures and court rulings, Natalie Tuck looks back at some of the themes of 2017
 December 2017
Matthew Swynnerton looks at the implications for trustees of new data protection laws that come into force next year
 December 2017
Richard Williams explores the journey JLT has taken to increase pensions education and awareness amongst employees
 December 2017
Graham Moles explores methods of effective cashflow management for DB pension schemes
 December 2017
Louise Farrand provides an update on the challenge of LGPS pooling
 November 2017
UBS Asset Management explores potential strategies to address critical challenges in a changing world, while Andrew Williams considers the role institutional pension fund managers have to play within sustainable investing
 November 2017
Catherine Howarth reveals how pension funds can use their influence as shareholders to address challenges facing low-paid people
 November 2017
Vicky Dean examines the importance of class actions for pension funds
 November 2017
Craig Mackenzie explains why a more diversified approach to income is necessary in a low-yield world, while Lynn Strongin Dodds explores the investment trends occurring for pension funds to receive a steady income stream
 November 2017
Further change is expected to the section 75 debt of multiemployer schemes, which have created a financial nightmare for small businesses and charities. But will it solve the system’s problems asks Graham Buck, or could it even create new ones?
 November 2017
The idea of risk sharing in pension savings reached its nadir shortly aſter the 2015 General Election. But there is still a glimmer of hope that some form of defined ambition product could eventually take hold in the UK
 November 2017
Natalie Tuck speaks to the recently-elected president of the Pensions Management Institute, Robert Branagh, about his plans for the future of the organisation and how important it is for the industry to work together
 November 2017
Duncan Watson explains why being diligent about data quality is a daily duty, while Nick Martindale discovers that the need for pension funds to ensure it has good quality data is coming from a number of sources
 November 2017
The industry can sometimes have a fraught relationship with parliament, be it dealing with pensions being treated as a political football, raided when needed to fill Treasury coffers, or simply its cries for a respite from change falling on deaf ears. So what are the recommended approaches for the sector to have a meaningful dialogue with those in government? Those who regularly act as a
conduit between the pensions industry and parliament give their
advice
 November 2017
Gill Wadsworth explains how the pensions dashboard is overcoming its detractors and making it a possibility for savers to be able to view all their retirement savings in one place
 November 2017
Sarah Hickling and Jonathan Sharp consider how DB regulation in the UK may change
 November 2017
Pensions Age speaks to Chris Ramsey about how trustees should take a holistic approach to risk management, while Raji Menon reveals why trustees and sponsors should have an ‘honest’ debate about effective risk management techniques for their scheme
 November 2017
David Adams considers the structure and approaches required to create an effective pensions trustee board
 November 2017
Darren Philp considers how the master-trust market will develop and its key drivers for change, while Peter Carvill asks whether consolidation is set to accelerate within the master-trust sector
 November 2017
Pensions Age speaks to Matt Dodds about the growing importance of ensuring good quality data
 November 2017
Lynda Whitney asks whether DC pension schemes are really giving members what they want
 November 2017
Jonathan Watts-Lay discusses how the lack of support around pension transfers is posing a real threat to employees
 November 2017
Investment automation is steadily playing a greater role in the pensions industry, as providers encourage older members of workplace pension schemes to go online for advice and guidance, reports Graham Buck
 October 2017
Nick Martindale considers the impact of robotics and automation of the pensions industry
 October 2017
Those who correctly see which innovations will change the world can benefit from becoming early investors in these new solutions. Therefore Pensions Age asks the industry for its predictions as to which sectors will be the stars of the future
 October 2017
Stuart Anderson explains how utilising gamification and mobile technology to provide tailored messages can increase pension savers' engagement
 October 2017
Talya Misiri speaks to West Yorkshire Pension Fund business development manager Yunus Gajra about how the scheme has innovated over the past few years
 October 2017
The pensions sector is shaking off its image as a static and archaic monolith and could soon, with a little help from the government, match the expectations of a new workforce that values personalisation and flexibility above all
 October 2017
Talya Misiri considers the protections in place for trustees
 September 2017
Adam Cadle looks at the reasons for the increasing number of fines and whether this is set to continue
 September 2017
Natalie Tuck speaks to MNOPF chief executive Andy Waring about the fund's success and the next seven years
 September 2017
Are drawdown customers fully aware of the risks they may be taking with their savings?
 September 2017
Compared to DB, DC passes the bulk of risk onto the member. But there are still a number of risks that the sponsor and trustees hold onto with DC. So what are these 'left behind' risks?
 September 2017
Louise Farrand questions whether the concerns about DB schemes' sustainability are justified
 September 2017
Natalie Tuck speaks to Pension Protection Fund chief risk officer Hans den Boer on how he keeps track of, and manages, the risks the fund faces
 September 2017
DB schemes maturing can often start to become cashflow negative. Thankfully, solutions are out there
 September 2017
Raji Menon looks at why trustees need to take a more dynamic approach to risk management
 September 2017
David Millar explains how to use people's natural instincts to conform with the majority when planning retirement saving
 October 2017
How to cater to the specific retirement saving needs of the young, vulnerable, ‘gig’ workers and high earners
 January 2018
Featuring:
• The evolution of pension trusteeship
• How to balance short-term challenges with long-term needs
• Assessing administration standards
• The need for industry standards and technology
• The benefits of collaboration
• The role of master trusts
• A multi-asset approach for accumulation and decumulation
• How to assess pensions model
 January 2018
Exploring the risks DB schemes face, the possibility for consolidation and the future of DB pension provision
 January 2018
Rather than competing as rival savings products, DC pensions and ISAs – whatever their stripe – are set to sit alongside each other in tomorrow’s workplace benefit packages, which emphasise financial well-being above all else
 January 2018
The pensions industry has undergone many reforms in recent years, resulting in a higher number of people saving more within an improved regulatory environment. However, are these changes coming together sufficiently to cater to the needs of new generations of retirees? David Adams finds out
 January 2018
The Pensions Regulator has a new approach, acting quickly, clearly and decisively. But is the new much tougher regime working? And how are trustees responding? Sara Benwell explores
 January 2018
Pensions Age explores how the UK workplace pension system has evolved from one where DB retirement provision was king, to DC taking the throne as the dominant form of retirement saving
 January 2018
Ritu Vohora considers why pension funds should be considering active equity strategies, while Sandra Haurant explores whether pension fund portfolios are seeking active investment strategies to achieve greater returns
 January 2018
2018 promises to be another good year for equities, thanks to broad-based economic growth, believes Percival Stanion
 January 2018
Baker McKenzie considers the preparatory work required by trustees before the GDPR comes into effect in May 2018
 January 2018
The challenges facing small DB schemes, how small employers are coping with auto-enrolment, how small pension pots are being handled and the rise in sole trusteeship
 February 2018
Graham Moles talks about managing transfers out of DB pension schemes, while Lynn Strongin Dodds reveals how cashflow-driven investing is fast becoming the dominant investment style for defined benefit schemes
 February 2018
Why too much fund choice might be doing DC members more harm than good
 February 2018
How to encourage diversity within the workplace and meet the needs of differing savers
 February 2018
Behavioural finance research has found how saving for the long term runs contrary to people’s natural behaviour. Laura Blows explores how the industry can implement some simple techniques and technologies to overcome this
 February 2018
Budget restraints can be an insurmountable obstacle for many trust-based schemes. But making the eff ort to get closer to members could provide them with long-term benefits
 February 2018
As scheme administrators face heavier workloads in the new post-pension freedom era, how are they coping with the pressure?
 February 2018
Theo Andrew speaks to Ensign Retirement Plan Trustee Limited member-nominated trustee director and Merchant Navy Officers Pension Fund vice-chair, Mike Jess, on the upcoming new master-trust regulations and how it plans to improve the scheme for its members
 February 2018
Almost three years since the introduction of the pension freedoms, Natalie Tuck asks if there is a clear winner in a face-off between annuities and drawdown
 February 2018
Maggie Williams considers the pros and cons of outsourced versus in-house administration, at a time when ensuring data standards is ever-higher on trustees’ agendas
 February 2018
David Adams explores which of the pensions industry’s plethora of saving structures will dominate in the future
 February 2018
Balance sheets appear to be reaching their peak and some central banks have started to announce tapering. Antoine Lesné reveals how ETFs can help investors navigate this changing landscape
 February 2018
Jonathan Watts-Lay explores how to help employees understand the risks around accessing their pension
 February 2018
Nathan Jones discusses the significance of The Pensions Regulator’s drive on data
 March 2018
The number of people entering retirement in debt is set to grow rapidly. Laura Blows explores why this is the case and what the industry can do to help these retirees
 March 2018
The growing focus on SRI, the question to divest from or engage with companies, shareholder activism and the 'popularity' of green investments
 March 2018
Lynn Strongin Dodds reveals how DB schemes are adopting a much more holistic investment approach to their investment strategies
 March 2018
Until now comparing charges has been difficult because there is no standardisation, but things are improving, writes Stephanie Hawthorne
 March 2018
With 2017 being a record-breaking year for investments into UK funds, Natalie Tuck speaks to Investment Association CEO Chris Cummings on why the UK is so attractive, what influences pension funds’ investment choices and how the IA is helping the industry to prepare for the future
 March 2018
The number of fines imposed by The Pensions Regulator has ramped up in recent months, as it continues on its mission to be ‘clearer, quicker and tougher’. But are punitive measures such as fines the most effective way to
change behaviour and improve standards?
 March 2018
Paul Crosbie discusses how to enhance value in the UK real estate market, while Theo Andrew explores how, despite real estate investment in the UK having slowed somewhat over the past year, for pension funds looking to
diversify their portfolio, opportunities remain in regional and alternative asset classes
 March 2018
David Rae looks back on the journey of fiduciary management and how it is adapting to meet the needs of pension funds today and for the future, while Graham Buck finds out why opinion divides on how far and how fast the market will expand
 March 2018
Funds that consider environmental, social and governance factors can help
members mitigate emerging risks and capture new drivers of long-term growth
 March 2018
Robert West and Hannah Moxon look at how 21st century trusteeship requires training, independence and added value
 March 2018
Aon’s Susan Hoare identifies the issues pension trustees face, and explores tools that can help
 March 2018
Matthew Swynnerton looks at a recent High Court judgment about whether a set of scheme rules permit a change from RPI to CPI
 March 2018
Laura Blows finds out how the National Grid UK Pension Scheme managed not one, but two ambitious projects at the same time – outsourcing and overhauling its investment strategy, while also splitting the DB scheme into three autonomous sections
 March 2018
Are the concerns about member transfers from the British Steel Pension Scheme just the start of a wider upcoming mis-selling scandal? Laura Blows finds out
 March 2018
With many insurers predicting and preparing for record bulk annuity transactions this year, Talya Misiri asks what has caused this upsurge and what interested schemes, trustees and sponsors should do to prepare
 March 2018
Recent high-profile company collapses have been accompanied by embattled DB schemes. Action needs to be taken to ensure that future business failures do not overburden the UK’s safety net
 March 2018
With pension deficits stabilising or even narrowing over the past year, Britain’s DB sponsors could be forgiven for thinking the worst is behind them. But,
discovers Stephen Bouvier, the twin challenges of investment risk and longevity are lurking in the shadows
 March 2018
Featuring:
• The challenges facing DC scheme trustees
• When trustees should encourage members
to make decisions, or lead them into defaults
• Governance best practice
• The increase in master trust regulation
 April 2018
Buy-in and buyout pricing was widely reported to have improved significantly over 2017 with the most attractive pricing seen in the market for a number of years. In this article Gavin Smith from Legal & General provides an insurer’s insight as he considers if these pricing levels can be maintained in 2018
 April 2018
A Pensions Age survey in association with SimCorp
 April 2018
It’s now little over a month until GDPR comes into effect on 25 May 2018. If you haven’t yet started addressing GDPR don’t panic: put a plan in place
and prioritise the key actions. In this article we try to address a few of the difficult questions
 April 2018
Market turbulence has created new opportunities, says Andrew Cole
 April 2018
Sam Roberts explains the importance of knowing your investment time horizon
 April 2018
Steven Andrew explains why pension funds are turning to multi-asset investments for their income needs
 April 2018
Pensions Age speaks to CFM’s Philippe Jordan about alternative beta and how pension funds can incorporate it into their portfolios
 April 2018
The debate around active and passive investment continues within pension investment. Sandra Haurant finds out where the experts think the smart money should go
 April 2018
Laura Blows speaks to Richard Poole, legal director, pensions and employee benefits, Royal Mail Group, about its collective DC proposal
 April 2018
Laura Blows considers whether collective DC will be the future of UK pension provision, or whether discussions around its implementation are simply distracting from efforts to solve other industry issues
 April 2018
How pension administrators are handling ever-increasing workloads, negotiating service level agreements and switching administrators
 April 2018
Louise Farrand considers the increasing pressures facing trustees, with yet more challenges to come
 April 2018
Pensions Age speaks to The Pensions Regulator (TPR) non-executive chairman Mark Boyle on how the organisation is adapting to the evolving challenges of regulating pension schemes
 April 2018
Maggie Williams reveals how pension schemes are to prepare for the General Data Protection Regulation (GDPR), which comes into force on 25 May 2018
 April 2018
A Pensions Age survey in association with SimCorp about pension funds' use of collective investment vehicles
 April 2018
Matthew Blakstad discusses how key events in a scheme member’s life can be used as opportunities to engage them with their pension, while Stuart Anderson identifies the most effective ways to communicate with members to increase retirement saving, and considers how schemes can ensure
members receive the most value from their retirement savings
 February 2018
Pensions Age speaks to Chris Ramsey about how trustees should take a holistic approach to risk management
 November 2017
Helen Steers highlights the trend in the declining number of publicly-listed companies, and discusses the key drivers of this phenomenon and the implications for investors
 November 2017
Jonathan Watts-Lay reflects on the latest industry findings since ‘freedom and choice’ in pensions came into play
 September 2017
Malcolm Johnson and Matt Baker talk to Pensions Age about new technologies improving services, while Lauren Weymouth explores the importance of interconnectivity between systems
 September 2017
David Wickham explores how the downsides of passive investment can be overcome through smart beta strategies, while Sandra Haurant explores the growth of smart beta investing
 September 2017
Investec Asset Management reveals the benefits of a multi-asset credit investment strategy, while Peter Carvill explores the reasons for multi-asset credit’s recent boon
 September 2017
Ritu Vohora explores whether the time is right for pension funds to focus on cyclical investments
 September 2017
John Southall questions the conventional wisdom to implement a de-risking investment strategy during retirement
 September 2017
John Wilson explores what the GDPR means for schemes and trustees
 September 2017
Jonathan Hawkins tells Pensions Age how to modernise pension scheme technology
 September 2017
Wellington describes how listed equities can help round out the impact investing ecosystem, while Wellington Global Impact Fund investors share their ideas with Pensions Age
 September 2017
Matthew Swynnerton looks at the Supreme Court’s recent decision about benefits payable to civil partners and same sex spouses
 September 2017
Nick Martindale explores how schemes can improve their cyber security
 September 2017
Pensions Age speaks to Tim Coulson about the changing nature of the bulk annuity market, while Stuart Anderson explores what schemes need to do to prepare to transact
 September 2017
Nicola Thorpe reveals how to future proof your liability-driven investment strategy
 September 2017
Sion Cole, senior partner at Aon Hewitt, discusses the evolution of fiduciary management solutions in the UK and how this has helped drive greater transparency
 September 2017
Lisa Lyon explores how the upcoming GDPR requirements will affect pension scheme management
 October 2017
Suzi Lowther reveals why pension fund trustees need to take a holistic view to pension fund governance
 October 2017
Percival Stanion argues that true ‘alternative’ investments are hard to find, but diversification is still possible
 October 2017
Laura Blows talks to NEST CIO Mark Fawcett about managing market conditions and compiling the best fund choices for DC members, while Peter Carvill examines how much choice DC members should be given with fund selection
 October 2017
Just a few months into the job, Julian Mund is getting stuck into a new daily routine serving as the PLSA’s chief executive. Natalie Tuck speaks to him about the future of the association and his thoughts on some big industry topics
 October 2017
David Millar explains how to use people’s natural instincts to conform with the majority when planning retirement saving
 October 2017
David Adams questions what more can be done to encourage self-employed ‘gig workers’ to save into a pension
 October 2017
Patrick O’Connor explains how smart beta has adapted to meet the changing needs of investors
 October 2017
Cindy Rose looks at the growing importance of environmental, social and governance matters within a pension fund’s investment portfolio, while Andrew Williams examines why interest in ESG strategies continues to rise
 October 2017
David Morley at Eaton Vance discusses how non-traditional global defensive equity can be the ‘core’ of an alternative allocation
 October 2017
Bob Noyen explains the advantages of currency investment within a pension fund portfolio, while Sandra Haurant explains why currency investment should be at the forefront of investors’ thinking
 October 2017
Craig Scordellis reveals how to capture opportunities, including income, and minimise volatility among diverging markets, while Lynn Strongin Dodds considers why pension fund investors should explore the differences between different MAC strategies
 October 2017
Raji Menon considers how biometrics may play a crucial role within pensions
 October 2017
Pensions Age speaks to Tim Coulson about the changing nature of the bulk annuity market, while Stuart Anderson examines the current state of the bulk annuities market and what schemes need to do to prepare to transact
 September 2017
Percival Stanion discusses the attractive opportunities in European and UK equities
 July 2017
Charles McCready reveals why TISA’s KickStart Money campaign is providing financial education to primary school children
 July 2017
The Plain English Campaign group calls for simplification within pensions
communications to reduce member uncertainty
 July 2017
As increasing numbers of people reveal they are suffering from financial stress, Laura Blows looks at its impact, both upon individuals and their workplace, and
what employers can do to reduce the problem
 July 2017
Sandra Haurant looks at the current accessibility of frontier markets for pension
funds and what differentiates these regions from emerging market geographies
 July 2017
Lynn Strongin Dodds looks at how political risk can affect pension funds and the strategies that should be put in place to combat this
 July 2017
Louise Farrand looks into the challenges created by the increasing numbers of school academies’ staff joining the LGPS
 July 2017
David Adams explores the challenges of funding long-term care and how the pensions industry may help provide solutions to this problem
 July 2017
Laura Blows reveals why a greater focus will increasingly be placed upon deferred members
 July 2017
With the government pushing for the pooling of local government pension scheme investments, Natalie Tuck speaks to the Local Pensions Partnership about why it came into being, and how other funds can get involved
 July 2017
In an age where gold-plated DB schemes are becoming a thing of the past, pensions are no longer seen as a shiny workplace benefit. But are employers doing enough to provide a generous pension, compared to other benefits?
And what benefits can this have for both the employee and employer? Lauren Weymouth explores
 July 2017
In the changing retirement landscape, Talya Misiri discusses IFAs’ experience
of pension regulations, new technologies and alternative retirement income sources
 July 2017
A year on from the inaugural conference, the subject has moved on from what may happen if the UK votes for Brexit, to how pension funds can continue to hit targets regardless of the UK’s departure from the EU. Delegates were treated to a range of talks from experts across the pensions industry
 July 2017
As Brexit negotiations begin, James Walsh reviews the EU regulations that currently affect the UK pensions market
 July 2017
Andrew Swan explains why pension fund trustees are widening their fixed income allocations to include private debt assets, while – Andrew Williams explains how multi-asset strategies are helping pension fund managers to diversify investment risks and opportunities, particularly within credit portfolios
 July 2017
There is room for improvement in the ways trustees manage pension risks, particularly in areas such as managing non-traditional risks (e.g. cyber and data
protection), documenting risk strategies, establishing good value for members and simply finding more time to consider pension risks in a holistic manner
 July 2017
Percival Stanion sees attractive opportunities in European and UK equities
 July 2017
Karen Watkin talks about how to benchmark performance and assess value for money when monitoring default strategies over a 12-month period
 July 2017
David Hutchins explains how AllianceBernstein ensures its target-date fund range continues to innovate to meet the needs of investors
 June 2017
In such a complex, technical world, it’s important the pensions industry can communicate and empathise with members on a more basic level, with the aim of securing the best outcomes at retirement. But just how prevalent are soft
skills among the industry? Lauren Weymouth explores
 June 2017
Fiduciary management is now increasingly available to small-sized DB pension schemes. Adam Cadle analyses this development and looks at how fiduciary management works in this sized market
 June 2017
Lynn Strongin Dodds looks at the ways smaller DB schemes are now widening their investment choices to ride the prolonged low interest rate environment
 June 2017
Louise Farrand explores the growing number of options available for small-sized DB schemes looking to de-risk
 June 2017
With more small businesses reaching their auto-enrolment staging dates, Talya Misiri talks to the Federation of Small Businesses policy adviser Alex Metcalfe about the challenges and benefits of auto-enrolment and future pension reform
 June 2017
Fears of an auto-enrolment capacity crunch have not materialised to date, but a wave of small value contributions have exercised minds in trust-based schemes
 June 2017
Sovereign bonds and climate change considerations
In Pensions Age's latest podcast, Laura Blows is joined by Hilary Norris, Product Manager, Sustainable Investment, EMEA, FTSE Russell, to discuss sovereign bonds and climate change considerations

Climate Investing
Laura Blows speaks to Aled Jones, Head of Sustainable Investing for Europe at FTSE Russell, and Adam Matthews, Director of Ethics and Engagement for the Church of England Pensions Board, about the role of climate investing within a pension fund portfolio.

Managing volatility
In the latest Pensions Age podcast, Laura Blows speaks to Cambridge Associates head of European pension practice, Alex Koriath, about the Covid-related market volatility and how pension funds can prepare for the challenges ahead

Risk transfer opportunities
Laura Blows speaks to Lisa Purdy, Head of Fiduciary Distribution at Legal & General Investment Management and Gavin Smith, Pricing and Execution Director - UK PRT at Legal & General, about the impact of the recent market volatility on the bulk annuity and risk transfer market and the potential opportunities for the future

De-risking options for pension schemes
In this latest Pensions Age podcast, Linklaters' Sarah Parkin talks to Laura Blows about the wide range of choice available to pensions schemes for the partial, or full, removal of their risks