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Provider Opinion
Provider Opinion
ETVs – getting it right
Prudential’s Martyn Phillips assesses the vital role that corporate advisers play in delivering a successful ETV exercise.
Default funds - the quest for the ideal
Martin Palmer, Head of Corporate Pensions Marketing, Friends Provident
Opportunities to review existing benefit provision
The corporate benefits market is alive with opportunities to review existing benefit provision. Many of the solutions available will increase choice and lead to a need for a greater level of education, guidance and advice for the end consumer. How do we make this work asks Alan Millward?
Economic Reality Bites
The main political party conferences are over and we’re starting to get a clearer idea of how long it will take for the economy to make a full recovery from the recession. While there are political differences, both main parties agree that national debt needs to be reduced through spending cuts, increased taxation or a mix of both. Alan Millward discusses this impact on the industry…
Are you ready?
The corporate advice market is facing up to some of the most serious challenges to its future in decades. The question is how well-placed your business will be to meet the changes that are coming.
Changing savings behaviours
People are not saving enough for retirement so how do we help them overcome the barriers to saving. Affordability is a difficult one to tackle but the introduction of auto enrolment in 2012 will create a degree of compulsion. Can we help workers manage their long term financial futures now?
Tapping into education
We all agree that something must be done about the woeful lack of get up and go when it comes to the UK workforce saving for retirement. Theevidence is piling up.
Raising Standards
For a long time now there has been a desire to improve quality standards in our industry. Historically this has focussed on areas such as administration standards, investment performance and clarity of communications. Pension Quality Mark Ltd(a subsidiary of the NAPF) has now launched the Pension Quality Mark (PQM)initiative to promote good quality Defined Contribution workplace pension schemes.Alan Millward discusses the advantages of the PQM.
Out with the old, in with the new
At the beginning of the year, attendees of the Group Risk Advisers Forum (GRAF) expressed their concerns that the change in the economic climate was making employers consider cutting back on group risk benefits. As finances became tight, employers were increasingly focusing on the here and now and losing sight of the importance of protecting employees for the long-term. Many clients were asking about their contractual liabilities and as the number of people in employment fell the general ...
It’s not rocket science
The recent stock market crisis has caused many industry commentators and the media to question the role and validityof DC pension provision in this country, and call for a return to defined benefit or new risk sharing arrangements.
Time to deliver the difficult
Mark Coleman is international sales director for CIGNA International Expatriate Benefits, the world’s largest provider of employer sponsored insurance plans for expatriate employees.
Group risk - withstanding the test of legislation
At the end of July, the Insurance Industry Working Group (IIWG) published its report into the medium and long-term challenges facing the insurance industry.
Private pensions or personal accounts - not just heads or tails
Neil Davies, Head of Corporate Marketing at AEGON UK, talks about the differences between private pension schemes and the personal accounts scheme.
In search of the ultimate default fund?
Every year Corporate Adviser run a thoughtful piece on the ultimate default fund within the DC market. We have been researching this area for several years, both from an investment design and employee behaviour perspectives. Mark Rowlands discusses the key findings.
Cycling 90 miles with over 9,800 feet of ascent, or auto-enrolling all eligible jobholders
What can employers do now to get ready for 2012? With the detail on the legislation still to be finalised, you’re probably asking yourself what more, other than keeping up to date with developments in the press, you can do now. But there’s a lot that advisers and providers can do now to help their corporate clients prepare. After all, just like September’s 90-mile Bealach nam Bo cycle race in Scotland, autoenrolment and 3% employer contributions are set in stone. Here are some pointers ...
A credibility crisis
New pensions research from the OECD rightly points out that the financial and economic crisis is focusing governments’ attention onto short-term measures, and this risks the sidelining of long-term strategic planning and backtracking on earlier reforms.
