Premier Blog
Here we give our consultants’ views on matters of interest in the market. Please contribute to the discussion and return to this page to see what we are saying.

The New Paradigm in Oil

by Admin, Administrator, Wed, April 29, 2015

Here is a thought provoking guest blog from our friends at Gatemore. An April 22nd article in the New York Times entitled "New Balance of Power" details the waning influence of OPEC on world oil prices and the rising primacy of market forces, declaring that "the United States is overtaking the Organization of the Petroleum Exporting Countries as the vital global swing producer that determines prices." This is creating a new paradigm in which global oil prices are likely to settle into a long-term equilibrium of $70-80, driven by supply/demand dynamics rather than by "overt manipulation" by OPEC.

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DB to DC Transfer - Post Pension Freedoms

by Admin, Administrator, Tue, April 7, 2015

With the new Pensions Freedoms now in place we have been discussing the thorny subject of DB to DC Transfers with a number of our DB Trustees. This blog outlines some of the conclusions that we have reached as a result of these discussions.

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Cash is too sexy

by Admin, Administrator, Mon, February 2, 2015

When the chancellor announced that members of pension arrangements could access their savings in full at retirement he unleashed a powerful force. The lure of a cash lump sum is a mighty force for many people and something that could lead to people making poor decisions. Some time ago, when talking about how Enhanced Transfer Value exercises could be abused by employers, Steve Webb rightly proposed that cash incentives should stop because "cash is too sexy". His concern was that the lure of immediate cash would outweigh the future loss of pension benefit in some people's mind. He was right and this was adopted in the Code of Practice for Incentive Exercises. The fear of many of us in the industry is that this same force might lead to similar pressures on those who retire.

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Is that Final Salary promise still the Gold Standard?

by Admin, Administrator, Thu, January 15, 2015

The days when final salary arrangements were put on a pedestal above criticism are gone. However, with this comes greater engagement and an opportunity to help employees to get more appropriate benefits from their savings. There is a “win-win” solution here if employers are willing to embrace the challenge.

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KPI - Know People’s Intentions

by Admin, Administrator, Mon, October 6, 2014

The pensions industry has been struggling with inappropriate (or at least sub-optimal) KPIs for many years. For example, we have an administration industry which, despite the best efforts of some of us, is still measured by speed rather than the accuracy or the clarity of communications. What are the right KPIs for the new DC world?

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The Spinning Dancers

by Admin, Administrator, Wed, September 17, 2014

Here is a thought provoking guest blog from our friends at Gatemore. If our vision can trick us for such a simple image, who is to say that it will not similarly fool us when viewing the complex investment landscape?

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