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The HRDirector Features

New Year 2015 predictions for pensions industry

"Potential new pension scams. Pension liberation means that after April 2015, more over 55’s will be accessing their pension cash and there is the potential for us to see a wave of new fraudulent scams." So says Elliott Silk, Head of Employee Benefits at Sanlam.

Article by: | Published: 28 December 2014

The HRDirector Features

Is a final salary promise still the Gold Standard?

Final Salary (Defined Benefit) pension arrangements have always been seen as the "Gold Standard" of pensions when compared with the Money Purchase (Defined Contribution) alternative. However, I would suggest that employees' perception of this is changing. John Reeve, Senior Consultant, Premier Pensions Management

Article by: | Published: 27 November 2014

The HRDirector Features

AE performance analysis

A new CIPD survey has found that over two thirds (68 percent) of employers have automatically enrolled eligible workers into a pension scheme and among these, many are contributing significantly more than is legally required to their employees’ pension pots. The survey from the professional body for HR and people development also found that almost half (46 percent) report that the proportion of eligible workers who so far have opted out from pension saving is less than 10 percent, which is less than originally forecast by DWP.

Article by: | Published: 14 November 2014

The HRDirector Features

The unchecked financial risks of international business

Almost 85 percent of UK SMEs who operate internationally do not check the credit history of potential overseas customers or suppliers to verify whether a company is reputable, according to new research by Experian®, the global information services company.

Article by: | Published: 16 October 2014

The HRDirector Features

Guide to mix and balance to optimise pensions

Retirees should consider a mix of solutions to fund their retirement rather than take a once-only annuity versus income drawdown decision, an investment special report from Aviva recommends.

Article by: | Published: 30 September 2014

The HRDirector Features

Greed, and its part in our downfall

In his new book Greed: From Gordon Gecko to David Hume Philosopher Stuart Sutherland explores how Unconstrained greed is the heresy of our times. Gordon Gecko’s high-octane creed, ‘Greed is good’ went from the financial periphery and moved centre stage as the philosophical mood music of contemporary life.

Article by: | Published: 25 September 2014

The HRDirector Features

Auto-enrolment two years on: AE 2.0 urgently needed

1st October 2014 is the second anniversary of auto-enrolment Auto-enrolment has been a good start however millions are still going to be left behind unless government and the pension industry starts actively working on Auto Enrolment 2.0. Article from Hargreaves Lansdown.

Article by: | Published: 25 September 2014

The HRDirector Features

The wrong kind of pension drawdown

Unsophisticated investors face being enrolled into risky drawdown plans. New prod-ucts may be well-intentioned but need suitable risk controls. One-size-fits-all solutions could leave many investors with poor outcomes. Tom McPhail, Head of Pensions Research. Hargreaves Lansdown.

Article by: | Published: 17 September 2014