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Tag Archives: master trust
Time for some fresh thinking on CDC
The Pension Schemes Bill is making its way through the House of Lords but now seems unlikely to get Royal Assent before July. If it misses its target and we don’t get an Act till the Autumn, a Royal … Continue reading
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Posted in advice gap, age wage, CDC, pensions
Tagged CDC, DB, employer, master trust, one trick pony, Pension Schemes Bill, pensions, Royal Mail
4 Comments
Are employers able to “know their workplace pension”?
Are employers the provider’s clients? In financial services, the client is the entity that takes the decisions on where the money goes. Whether we define “money” as “pension contributions” or “fees paid”, the employer is seen as the client. It … Continue reading
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Posted in advice gap, age wage, pensions
Tagged AgeWage, FCA, GPP, master trust, pensions, Tesco, Value for Money, VFM
2 Comments
A good day for master trusts
The FT run a scoop this morning, predicting that today the Pensions Regulator will withdraw its proposals to require small DC plans to be run by “professional trustees” and urging that most of the 8000 single occupational trust based DC … Continue reading
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Do we have to be told to save our planet?
Do we have to be told? Share Action’s Master Trust survey starts with the question “IS REGULATION ENOUGH?” and through the 26 pages of Lauren Peacock’s survey that remains the key question. But there are secondary questions… Can we trust … Continue reading
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Posted in ESG, pensions, social media, trustee
Tagged Equity, ESG, master trust, pensions, planet, share action, shares, trustee
1 Comment
Why the FCA cares about IGCs
New powers for IGCs Slipped into the wash-up of consultation responses and Calls for Input published in the last full business week of 2019 was the FCA’s PS19/30 which substantially extends the role of IGCs IGCs currently provide independent oversight … Continue reading
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Posted in dc pensions, ESG, IGC, pensions
Tagged ESG, IGC, master trust, Responsible Investment, share action
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Trapped! What if you’re in a failing master-trust?
Duncan Buchanan’s articles in Pension Expert are always worth reading, and his latest blog in Pensions Expert is no exception. He looks at small master trusts and asks just what would happen if one decided to pack it in. He … Continue reading
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Posted in pensions
Tagged auto enrolment, Hogan Lovells, master trust, pension playpen, pensions
3 Comments
Did the 2018 IGC reports meet today’s challenges? Only in part.
The table above reports on the various ratings given to IGC reports in 2018, it includes the GAA report of St James Place that is good enough to be an IGC report. I said, when I set out … Continue reading
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Posted in IGC, pensions
Tagged CDC, DB transfers, decumulaiton, GAA, IGC, master trust, pensions, Responisble investment
1 Comment
Consolidation – Darren Jefferson says it’s only just begun.
It’s all around us, auto motive manufacturers, lawyers, employee benefit consultants, you name it. The same reasons for the deal are usually given whether you believe them or not, ‘We complement each other really well’ ‘it will allow us to … Continue reading
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Posted in auto-enrolment, pensions
Tagged consolidation, Darren Jefferson, master trust, pensions
1 Comment
How to run a pension at 1/30th the cost of the pension charge cap.
How much does it cost to actively manage Alecta, Sweden’s largest workplace pension provider? The answer, according to Magnus Billing – is 0.024% of the funds assets each year. That’s less than 1/30th of the 0.75% cap imposed by … Continue reading
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Posted in advice gap, pensions, Value for Money, workplace pensions
Tagged Alecta, Charge cap, IGC, master trust, NEST, Value for Money, workplace Pensions
2 Comments
Time for the master-trusts to show their investment mettle.
I have a problem with the accountability of master trusts for their investment outcomes. To my knowledge, only NEST (in Mark Fawcett) has an appointed individual responsible for the member’s investment outcomes. Other master trusts may have internal accountabilities, but … Continue reading
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Posted in pensions
Tagged CIO, Investment, master trust, mettle, NEST, NOW, pension, People's Pension
4 Comments
