Protecting savers and supporting innovation are central to our work. In line with this, we are working closely with providers in the market to explore alternative defined benefit (DB) scheme funding arrangements that are emerging.
It is inescapable that pensions are at a moment of significant change.
We are in effect straddling two worlds, gradually moving from one to the other.
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Nobel Prize-winning economist William Sharpe once described accessing pension savings as the “nastiest, hardest problem in finance”.
Indeed, converting pensions into retirement income requires savers to make complex decisions, and the associated risks rest with them – not their pension scheme nor their employer.
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Approaching a large project can be daunting at the best of times. We know that we need to clear space in the diary and just get started, but it’s not always that easy. Other tasks need attention. That big project keeps falling down the list, and if its delivery date is months or even years in the future, then putting it off becomes even easier.
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New policy initiatives such as Pensions Dashboards and value for money, and unforeseen challenges like Covid and cyber leaks, have once again put the importance of good administration back in the spotlight.
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With recent research critiquing some climate scenario analysis used by pension scheme trustees for their annual climate reports, Mark Hill, The Pensions Regulator’s Climate and Sustainability Lead, explains what trustees can do to drive change.
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As The Pensions Regulator’s home city gears up for UK’s biggest LGBTQ festival, its Interim Director of Regulatory Policy, Analysis and Advice, Louise Davey explains how trustees can take immediate action to help ensure workplace pensions work for all savers.
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The government has launched an enhanced digital Midlife MOT supporting people with their work, health and money. Louise Davey, Interim Director of Regulatory Policy, Analysis and Advice, explains how and why pensions schemes should encourage take-up among their members.
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Investing for a pension is often the only and largest investment people make. Savers rely on the pension system working as hard as it can to deliver the best possible retirement income.
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