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Publications

Reinforcing Automatic Enrolment

Reinforcing Automatic Enrolment

Michael Johnson - Pensions

The early response to automatic enrolment has been positive but the government can still do more to encourage saving, especially for the young and the self-employed.

A Pensions and Savings Manifesto

A Pensions and Savings Manifesto

Michael Johnson - Pensions

Michael Johnson outlines some reforms to pensions and savings that political parties should consider while writing their General Election manifestos.

Auto-Protection

Auto-Protection

Michael Johnson - Pensions

The 2015 liberalisation of pensions was welcome but the risk management is needed.Michael Johnson proposes "auto-protection" at private pension age.

LGPS: A Lost Decade

LGPS: A Lost Decade

Michael Johnson - Pensions

Michael Johnson reports on the "Lost Decade" for the local government pension schemes that has seen costs skyrocket with no reward for savers.

The State Pension: No Longer Fit for Purpose

The State Pension: No Longer Fit for Purpose

Michael Johnson - Pensions

The State Pension is facing fiscal calamity. Total spending on it has increased by 25% since 2010-11. Michael Johnson urges the Government to take action.

Dashboard Implementation

Dashboard Implementation

Michael Johnson - Pensions

The ABI Should Be Nice Retaliatory Forgiving and Clear.

An ISA-centric framework beckons

An ISA-centric framework beckons

Michael Johnson - Pensions

The recent publication of the Savings (Government Contributions) Bill confirmed that the Government intends to press ahead with the Lifetime ISA, to be launched in April 2017. This is welcomed.

The Pensions Dashboard

The Pensions Dashboard

Michael Johnson - Pensions

Fully functioning, the pensions dashboard could become the ultimate disruptor of incumbent industry providers, but merely providing information will not embed the dashboard into the consciousness of the general public.

What of DB, in a TEE World?

What of DB, in a TEE World?

Michael Johnson - Pensions

The UK pensions and savings arena must be simplified in order to secure Britain's long term savings future. We could gravitate to a purely TEE framework, which would require the accommodation of today's EET-based defined benefit (DB) schemes.

The Workplace ISA

The Workplace ISA

Michael Johnson - Pensions

Michael Johnson urges the government to introduce a Workplace ISA to complement the recently announced Lifetime ISA. Auto-enrolment's reach should then be expanded, and both the Lifetime and Workplace ISAs included within its legislative embrace.

The Lifetime ISA: Potential next steps

The Lifetime ISA: Potential next steps

Michael Johnson - Pensions

The introduction of the Lifetime ISA, as first proposed by the CPS, is a triumph for savers. However the Government must now act to ensure that the full benefits of the new pensions product can be realised.

The Last Act of the Greek Tragedy?

The Last Act of the Greek Tragedy?

Michael Iakovidis, Daniel Mahoney and Tim Knox - Pensions

The Greek Pensions system is close to collapse: there are just 138 people in employment for 100 Greek pensioners – compared with 275 in the UK.

Reform failing Local Government Pensions Scheme NOW

Reform failing Local Government Pensions Scheme NOW

Michael Johnson - Pensions

The failing LGPS (2014) must be overhauled and replaced with a new sustainable, defined contribution scheme: LGPS (2018).

An ISA-Centric Savings World

An ISA-Centric Savings World

Michael Johnson - Pensions

Michael Johnson slams the current system of pension tax relief and urges the Government to usher in a new era of ISA-centric savings.