Since its introduction, the LTA has effectively capped the amount of tax-relievable savings that individuals can build up in registered pension arrangements. We look at the lessons to be learnt and the way you can avoid losing a protected pensions allowance.
The surge in activity in the bulk annuity market looks set to repeat this year. Rosie Fantom looks into what this means for DB schemes and sponsors eyeing future transactions as part of their endgame.
TPR has recently increased its focus on the endgame of UK DB pension schemes. This blog explores how companies paying higher dividends than deficit contributions should expect more of a challenge on this from their trustees and The Pensions Regulator.
ESG is a hot topic at present for those who manage DC pension schemes. Regulatory requirements from the DWP and TPR means trustees now have to consider how ESG affects the investment strategy for their members. What are the implications of this change?
As the number of authorised master trusts rises to six, we thought it was worth considering the impact of the authorisation regime so far, good and bad.
The general consensus of a consolidated DC market is that it is a good idea. After all it should bring economies of scale and reduced risk. However are there disadvantages too? Are there any unintended consequences?
Transferring from a DB scheme is a major decision for members and there are many factors that should be taken into account. Simon Taylor offers advice to these members to understand their transfer options.
The ‘Freedom and Choice’ reforms shook up the market a few years ago and said that people were free to use their pension pot as they wish. However, more freedom equals more choice and that makes choosing what to do at retirement more complex.
With debt illustrations starting to land on the desks of employers who have historically participated in the ‘the Plumbing Scheme’, Chris Hawley and Matthew Giles of Squire Patton Boggs offer advice on the arising issues and challenges presented to them due this scheme.
HR needs to think and act more strategically by advising on and influencing business performance from an employee proposition, experience and performance perspective, rather than just reactively responding to what the business believes it wants and needs.