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Nick Salter, President-elect, IFoA, comments on the pension

来源：高顿网校 2014-06-26

　　Nick Salter, President-elect, IFoA, comments on the pension charges cap consultation

　　01 November 2013

　　“The Institute and Faculty of Actuaries (IFoA) will be responding to the consultation on charge caps for pensions. Pension charges certainly have an impact on pension returns and it is right to consider the impact of these and what constitutes value for money.

　　However, it is worth remembering that they are one of many factors which need to be considered when assessing the quality of a pension scheme. These factors include:

　　customer service;

　　governance; and

　　investment strategy

　　and it does not follow that cheapest is best.

　　In September the OFT published its Defined contribution workplace pension market study which considered charge caps but concluded that ‘charge caps can create a risk of unintended consequences...Set too high a cap can become a target for providers. Set too low a cap can create incentives for providers to provide lower quality and/or impose less visible charges elsewhere.’

　　The IFoA agrees with the OFT on this point and in addition to this consultation supports measures that will improve transparency of charges, facilitating better comparison and switching, with a focus on outcomes as well as cost.

　　To be able to compare pension schemes on a level charging basis will be a considerable step forward for consumers and scheme members and the IFoA would like to see consideration given to improving pension portability.

　　To be able to consolidate and move your pension between providers would result in better outcomes for people and the IFoA will continue to consider how the portability of pensions can be improved because it is outcomes that really count.”

　　Karen Wagg

　　Media Consultant

　　Mobile: 07725 558 551

　　Tel:+44 (0)20 7632 1452

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