Category: Insight

Supporting employee financial wellbeing in tough times

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Employee benefits in cost constrained times

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Is it time for a well-deserved thank you?

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When failure is not an option

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Top tips for outsourcing your projects

Outsourcing all or part of a project can be a great way to achieve delivery at times when there is either no capacity or a skills gap in your team.  This article provides some top tips for outsourcing your projects. Choose well First consider which of your vendors has the right expertise for the job. …
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2020 – The Year of Opportunity for Small Schemes?

2019 was a record year for pension scheme buyouts – the year of the ‘mega-deal’ by any measure. Despite being hit by the COVID-19 pandemic, the industry is still expecting 2020 to be one of the biggest years, by volume, for buyout transactions. Small schemes have historically struggled to access the buyout market. But with…
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The Future of Master Trusts – Survival of the fittest

20 years ago who would have predicted that Master Trust would have become part of the pensions vernacular? Thanks to TPR authorisation there has been some much-needed consolidation in the market. Whilst TPR’s website still lists 38 authorised Master Trusts (a reduction from 90 pre-authorisation), at least 2 of them are no longer accepting business.…
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What next for DB? Consolidators and Superfunds

The last 20 years in pensions have been dominated by moving to DC and managing DB liabilities. As a result, DC innovation has flourished, particularly since auto-enrolment and TPR authorisation of Master Trusts. But DB has not been forgotten. DB risks continue to be managed by Trustees and Sponsors. Helpfully, DB innovation is out there…
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Pitfalls when choosing a Master Trust

With Master Trusts expected to become the main vehicle for workplace pensions in the coming years, are you looking at your in-house pension or Group Personal Pension and thinking about other options?  One in three trust-based plans are expected to move to a Master Trust in the next 5 years and the transition has never…
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TPR’s Master Trust Authorisation Regime

In our latest survey of the Master Trust market we looked at Master Trusts’ experiences of The Pensions Regulator’s (TPR) authorisation and the ongoing supervision regime. TPR’s authorisation process – intense but necessary A modest number of respondents felt the authorisation process itself was in line with expectations. However, over 85% felt the process was…
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