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White Papers

White Papers

In-depth, expert analysis on the changing landscape of investments around the world. Leading asset managers reports uncover trends, highlight changes and consider future strategic impact.

Pensions Institute - Milking and Dumping: The Devices Businesses use to Exploit Surpluses and Shed Deficits in Their Pension Schemes

This paper gives examples of UK defined benefit pension schemes suffering losses in the 1980s and early 1990s, mostly by fraud or questionable practices. It gives examples of the means, mostly in the 1990s, by which actuarial surplus was extracted from schemes. It then indicates techniques by which proprietors of businesses have since then sought to shed or avoid scheme deficits. It sketches briefly the changing legal bases over employers’ contributions and funding obligations, how pension schemes became so large and the responses of Government to schemes exhibiting surplus or deficit.

Company: Pensions Institute
Date added: 30-08-2016
Sector: Governance

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Pensions Institute - UK Pensions: "We Need a National Narrative: Building a Consensus around Retirement Income" - review of retirement income 2016

This paper presents the results of a report, commissioned in June 2014 by the former UK Shadow Work and Pensions Secretary Rachel Reeves MP, to examine how to increase DC savers' retirement income following the Government's pensions 'freedom and choice' reforms. The research has been conducted by Professor David Blake, Director of the Pensions Institute

Company: Pensions Institute
Date added: 14-03-2016
Sector: Briefing - Investment

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Pensions Institute - UK Pensions: The medical underwriting revolution in the DB de-risking market 2016

This report seeks to understand the potential impact of medical underwriting on the bulk annuity market generally. To do that, the authors examine the costs and benefits of medical underwriting. They start by considering the theoretical underpinnings for underwriting before discussing a range of other matter, such as: the evolution of medically written bulk annuities to date; the factors to be considering before purchasing a medically-underwritten bulk annuity; the process involved in a medically-underwritten transaction; and the potential evolution of the market in the future.

Company: Pensions Institute
Date added: 14-03-2016
Sector: Risk Management

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