Blog

What does 2018 have in store for master trusts?

From the much anticipated Department for Work and Pensions’ auto-enrolment review, the announcement of the authorisation regime and the two-year anniversary of pension freedoms, 2017...

Game on: the potential for gamification in asset management

Millennials, whether fair or not, do not have a great reputation. This group of people, born sometime between 1980 and 2000 are according to some...

Generation X and pensions – the forgotten generation?

You’d be forgiven for reading the headline of this blog and thinking – Generation X – sounds familiar but who are they again? Unlike their...

The active vs passive investment debate: how to offer the best value for members?

Value for members is a hot topic in the defined contribution (DC) space right now, particularly within the master trust market, where schemes must be...

Savvy millennial savers – what they need to know about pensions

Stagnating salaries, rising house prices and student debt are all part and parcel of the financial challenges facing millennials today. Add to this the fact...

Employee benefits of the future

The way that individuals think about long term savings in the UK has changed dramatically over the past decade or so. From the pension tax...

Helping members get the best outcomes from their post-retirement investment options for drawdown

Since the retirement flexibilities came into force in 2015, people have changed the way they use their Defined Contribution (DC) pension accounts. The number of...

How to ‘master’ a new market – learnings from the master trust sector

The successes and struggles of the master trust market, a sector predicted to have £554bn of defined contribution (DC) assets under management in the UK...

Back to the future: modernising communications in pensions

What can the industry learn from other sectors and how can organisations ensure they are helping to guide their employees to financial security in later...

Who wants to work forever?

The traditional, segmented path of education, career and retirement are now blurring and overlapping and indeed reiterating in ways we couldn’t have foreseen 20-30 years...

Parents and Pensions: Having ‘the talk’ with your children

For most children, having a discussion with their parents about savings is an abstract concept. Add pensions to the mix and there’s a good chance...

Multiple Pension Pots? What Should You Do?

The government recently asked us to imagine a future where we can view all our pension pots at the touch of a button when it...

How can organisations deliver a vibrant financial culture that works in the interest of consumers?

Within the pensions industry, we are seeing a move towards increased individual responsibility for our own financial futures. With the rise of defined contribution plans...

If you need evidence that master trusts have great governance, here it is

Recently, we’ve seen a number of concerns expressed about master trusts across certain sections of the media, in particular, how they are regulated and who...

Who does what under a master trust arrangement?

For many organisations, looking to outsource their pension provision to a master trust makes good business sense. Organisations can dramatically reduce the day to day...

Considering a master trust model? An FD cribsheet

There are three key factors when considering if a master trust is right for your organisation for someone in a finance role: Cost Risk What...

The importance of having a provider that can ensure security

With the recent rise in the popularity of master trusts has come some uncertainty for employers, especially in terms of how master trusts work and...

Uplift in delayed retirement forces employers to review pensions approach

Our Global Benefits Attitudes Survey, which looked at nearly 30,000 employees in 19 countries concerning health and retirement, has highlighted some interesting findings. We found...

LifeSight recognised in European Pensions Awards nomination

With around 70 master trusts in the UK market right now, LifeSight is delighted to announce that it has been shortlisted for the Master Trust...

What did the Queen’s speech tell us about the future of pensions and master trusts?

Last month, on the 18th May, the Queen delivered her 65th speech, outlining the key policies and programmes drawn up by the British Government. The speech...

Master trusts – getting it right

Fiona Matthews reviews the benefits of master trusts for occupational pension schemes, how to choose one and the pitfalls of smaller, unsustainable providers damaging market...

How can trustees ensure they are attending to their members’ needs at retirement?

Our DC Pensions Flexibility Study, which followed schemes’ steps towards flexibility immediately after the freedoms were introduced, and again 6 months later, produced some interesting...

Annuity vs. Drawdown: Dispelling the myths

In recent months, the media has reported that many pension savers are continuing to opt for annuities as their primary retirement investment. The recent ABI...

How to prepare for employees’ questions about pensions

Promoting long term savings in a positive light has always been high on the government’s agenda and has grown in prominence over the past year...