Pension news and articles written by actuaries for actuaries - read the latest research pieces, today's news and latest articles in the Pension's market.

Many individuals & businesses face pension car crash

By Neil Morrow, Director, The EB Partnership

Pension freedom is undoubtedly a good thing and from April 2015 people will no longer have to purchase an annuity. Instead, they will be free to either take their funds as a lump sum, use income drawdown, go down the annuity route or adopt a mixture of these. But that all depends on one fundamental fact – that they have contributed to a pension in the first place.

Many people have already taken out private pensions but mandatory Auto-enrolment pensions launched by the Government in recent years has brought on board those individuals who have simply done nothing. This year alone, all businesses with 50-249 employees will have to ‘stage’ their Auto-enrolment pension schemes.

With the larger employers in the UK having completed their own staging, worrying times now loom as SMEs may struggle to find a pension provider to take on their schemes. A market leading pension provider has already stated that they will not accept any more Auto-enrolment schemes unless long lead times are satisfied. This will become increasingly common, resulting in an inability for many businesses to find a provider. SMEs that leave staging until the last minute could face a capacity crunch and hefty fines from The Pensions Regulator (TPR).

I...Read More

Are we giving auto enrolment a fighting chance?

By David White, Managing Director of Creative Auto Enrolment

It has been a busy year for the pensions market. Not only have we seen thousands of businesses stage for auto enrolment, we’ve also seen pensions come to the forefront of national debate.

Since October 2012, when the first employers staged for auto enrolment, we have seen at least ten changes, or proposed changes, to pensions; from the scrapping of compulsory annuities to the reduction of the lifetime and annual allowances. Although these changes are designed to be improvements, they betray contrad...Read More

CDCs will be a culture shock to UK pension choice

By Kate Smith, Regulatory Strategy Manager at Aegon UK
2014 was already shaping up to be a pivotal year in pension reform, but with an election fast approaching, the Pensions Minister Steve Webb, is showing no sign of slowing down the pace of change. The Queen’s Speech contained a proposal to enable UK employers, from 2016, to set up new Collective Defined Contribution (CDC) schemes for their employees. The Private Pensions Bill will introduce a new pension legislative framework later this year. This will set out the definitions for three different categories of ‘pension promise’ schemes for individual...Read More

Grumpy Old Pension Men: 26 April 2013

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Lifestyle Actuary

The trappings of fast paced city lifestyles rarely take into account the charm and elegance that a room, a dinner or a cup of tea can afford; characteristics lost to a by-gone era of debutante balls and black tie for dinner.

The Luddite

Sam Richardson looks into the up and coming and the outgoing of the technology and gadgetry world in 2014.

Travelling Actuary

This month's Travelling Actuary takes us to the iconic Boston to experience New England at it’s very best.

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