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Doreen

In: Business and Management

Submitted By DOREENH
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12
SEEING THROUGH BRITISH PENSIONS
HOW TO INCREASE COST TRANSPARENCY IN UK PENSION SCHEMES
DAVID PITT-WATSON HARI MANN JULY 2012 www.thersa.org Contents
Acknowledgements Tomorrow’s Investor: introducing fit-for-purpose pensions to the UK Introduction Levels of transparency Why don’t customers demand change? What information should be provided? Summary and recommendations Appendices 3

4 6 9 15 18 22 24

Contents

1

Acknowledgements
The authors would like to thank the many people involved in this work. In particular, the advisory board of Tomorrow’s Investor: its chair, Sir John Banham, and its members, Robin Ellison, Philip Goldenberg, Alwin Oerlemans, Matthew Taylor and Lindsay Thomas. Thanks also to Pinsent Masons for its help in resolving legal issues and APG, the leading Dutch pension fund, for sponsoring the work.

Acknowledgements

3

Tomorrow’s Investor: introducing fit-forpurpose pensions to the UK

Three years ago, the RSA began investigating the efficacy of the UK investment system. After in-depth research, including the use of ‘citizen juries’, we concluded that it was not fit for purpose. Private pension saving in particular was found to be patchy, costly and poorly structured. However, we suggested that, with some modest changes, the private pension system in Britain could be radically improved. This requires two things: first, a system of low-cost, auto-enrolled pension provision; second, a recreation of collective pension structures which share risks and can offer superior benefits. In line with these initial recommendations, we welcomed the government’s decision to adopt auto-enrolment, but noted the need to remove artificial restrictions it had placed on NEST, the default provider established to ensure the policy could work. Further, it should encourage other providers who would offer similar and transparent terms to…...

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