Department for Work and Pensions: Public Consultation: Better Workplace Pensions: A Consultation on Charging - Cm. 8737 - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Department for Work and Pensions: Public Consultation: Better Workplace Pensions: A Consultation on Charging - Cm. 8737 write by Great Britain: Department for Work and Pensions. This book was released on 2013-10-30. Department for Work and Pensions: Public Consultation: Better Workplace Pensions: A Consultation on Charging - Cm. 8737 available in PDF, EPUB and Kindle. This Government is proposing to introduce a system of automatic pensions transfers to help people to better keep track of their workplace pension savings. The majority of people being automatically enrolled are likely to join the default fund in defined contribution (DC) schemes. It is, therefore, important to ensure that these schemes deliver the best possible value for money. The impact of the charges levied on people's pensions savings over their lifetime can be significant - seemingly small variations in charges can result in a considerable difference in people's final retirement savings. A number of voluntary industry initiatives seeking to improve disclosure of charges information to scheme members and employers have been launched in an effort to reduce the complexity of the product. The Government welcomes these initiatives, but is interested in views on whether further action is required. There are a number of potential options: mandating disclosure to members by widening the disclosure requirements, to include information about charges; standardising disclosure to employers; or disclosure of transaction costs - require disclosure to members, employers, as well as trustees, and independent governance committees (as recommended by the OFT). The Government is also interested in hearing views on whether: a cap on pension scheme charges should be introduced; differential charging between active and deferred members should be banned in DC qualifying schemes; the ban on consultancy charges should be extended from AE schemes to all qualifying DC schemes; adviser commissions set up prior to the introduction of the Retail Distribution Review should be banned in qualifying schemes
Department for Work and Pensions: Public Consultation: Reshaping Workplace Pensions for Future Generations - Cm. 8710
Department for Work and Pensions: Public Consultation: Reshaping Workplace Pensions for Future Generations - Cm. 8710 - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Department for Work and Pensions: Public Consultation: Reshaping Workplace Pensions for Future Generations - Cm. 8710 write by Great Britain: Department for Work and Pensions. This book was released on 2013-11-07. Department for Work and Pensions: Public Consultation: Reshaping Workplace Pensions for Future Generations - Cm. 8710 available in PDF, EPUB and Kindle. In Reinvigorating workplace pensions1 published last November, the Government set out to explore whether there was scope for a new category of defined ambition (DA) pensions that would complement the defined benefit (DB) and defined contribution (DC) structures that currently dominate the market. Automatic enrolment and the single-tier State Pension will provide a firm foundation for saving for retirement. But if the current forms of DC pension saving become the default alternative to traditional DB, the pension income of future generations from workplace pensions will be more uncertain than for past generations. Over the last 12 months the DA project - a joint project between DWP and the pensions industry - has been exploring options in a middle ground. The Government proposes that the regulation of workplace pension schemes should not focus on the detail of benefit design but on what is important to the member: ensuring that any promise or guarantee, whether from the sponsoring employer or scheme, provider is delivered. This Government proposes to make it easier for employers to sponsor new pension schemes where benefits accrue on a specified basis (e.g. related to salary); and also to allow additional flexibilities for future accruals only within existing DB schemes, including the possibility of allowing a statutory override to facilitate these changes. The new flexibility will remove constraints from the existing legislative framework while still giving employees the certainty of a pension scheme where the benefits are defined (such as in relation to their salary) with the security of the promise being sponsored by their employer
The Stationery Office Annual Catalogue
The Stationery Office Annual Catalogue - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook The Stationery Office Annual Catalogue write by Stationery Office (Great Britain). This book was released on 2013. The Stationery Office Annual Catalogue available in PDF, EPUB and Kindle.
Let Their People Come
Let Their People Come - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Let Their People Come write by Lant Pritchett. This book was released on 2006-09-15. Let Their People Come available in PDF, EPUB and Kindle. In Let Their People Come, Lant Pritchett discusses five "irresistible forces" of global labor migration, and the "immovable ideas" that form a political backlash against it. Increasing wage gaps, different demographic futures, "everything but labor" globalization, and the continued employment growth in low skilled, labor intensive industries all contribute to the forces compelling labor to migrate across national borders. Pritchett analyzes the fifth irresistible force of "ghosts and zombies," or the rapid and massive shifts in desired populations of countries, and says that this aspect has been neglected in the discussion of global labor mobility. Let Their People Come provides six policy recommendations for unskilled immigration policy that seek to reconcile the irresistible force of migration with the immovable ideas in rich countries that keep this force in check. In clear, accessible prose, this volume explores ways to regulate migration flows so that they are a benefit to both the global North and global South.
Fiduciary Duties of Investment Intermediaries
Fiduciary Duties of Investment Intermediaries - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Fiduciary Duties of Investment Intermediaries write by . This book was released on 2014-07-02. Fiduciary Duties of Investment Intermediaries available in PDF, EPUB and Kindle. A TSO version of a title previously published by HM Government.
