Do pensioners have enough to retire on?
An inadequate state pension causes complexity for today’s pensioners and makes it difficult for today’s workers to plan for the future Access to life long learning and earning opportunities are at
Issue: December 2009 Author: Alan Pickering

Exercising the power of amendment – what can go wrong?
The Courts are very strict in their interpretation of scheme amendment powers Trustees and employers must ensure that the formalities set out in their scheme’s amendment power are properly complied
Issue: December 2009 Author: Jason Shaw

New details on automatic enrolment – what companies need to consider
Every employer needs to review and make changes to their pension arrangements as a result of the new automatic pension enrolment duties from 2012. This should form part of a re-evaluation of the
Issue: December 2009 Author: Navneet Bassan

The challenges and issues facing trustees – the Pensions Pulse Survey 2009
Lucida has recently released its second annual pensions pulse survey completed by trustees and scheme managers It represents one million members and over £100 billion of scheme assets It looks at
Issue: December 2009 Author: Margaret Snowdon

Age discrimination and pensions – where are we now?
Since 1 October 2006 the world of work has been told: you will respect all employees, whatever their age. This command is now being felt with some force following the introduction of the Employment
Issue: December 2009 Author: Richard Lee and Chloe Lawton

PMI CPD in context
As the end of the year approaches, so thoughts turn to updating CPD records. Andrew Gardner, Head of Membership, puts the PMI’s scheme into perspective and looks forward to the first year of
Issue: December 2009 Author: Andrew Gardner

The importance of timing - helping members make informed choices
As defined contribution (DC) becomes an ever more prominent part of the pensions landscape and more individuals take greater personal responsibility for their retirement income, it is important for
Issue: December 2009 Author: Tony Hobman

Ask the Expert – Legal
Many schemes are finding that the action they took – in all good faith – on equalisation in the early 1990s is now unravelling on legal technicalities (e.g. not enough audit trail, decisions not
Issue: December 2009 Author: Stuart O’Brien

Actuarial and Investment Matters
A subject regularly in the news at the moment is ‘enhanced transfer value’ exercises, or ‘ETVs’ as they are commonly known. An ETV is an offer (usually by a pension scheme’s sponsoring employer,
Issue: December 2009 Author: Richard Akroyd

Legal Update
The Department for Work and Pensions (DWP) has issued a consultation which proposes an amendment to the employer consultation requirement from 6 April 2010. If adopted, employers will be required
Issue: December 2009 Author: Nicola Bumpus

Consultancy and Administration Issues
The detail behind Personal Accounts and auto-enrolment continues to gather pace. At the end of September the Department for Work and Pensions (DWP) issued a further consultation on draft regulations
Issue: December 2009 Author: Paul Niblett