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Handbook 2016 www.professionalpensions.com HANDBOOK 2016 21st Edition KPMG Pensions Trustee Services A continuing evolution Helping trustees manage all sizes of The past year has seen yet more change in the world of pensions The pension freedoms were launched in April 2015 and are now bedding in; the pension fund by balancing people, government consulted on overhauling pensions tax relief before deciding to hold back technology, breadth and quality. from radical change; the annual allowance taper came into force; and schemes had to grapple with the end of contracting out. PEOPLE In addition to this, we have seen the introduction of a Lifetime ISA and independent governance committees; and a revised DC Code is coming into force. By balancing the right level of knowledge, experience and technical skills together with our passion, we Yet, at the same time as all this change, schemes, trustees and sponsoring employers provide trustees with the advice to help them make the continue to face the challenges of ongoing scheme management and funding – and rely big decisions and members with the clarity to make on the support and expertise of their consultants, advisers and service providers to do informed choices. this. It is against this backdrop that Professional Pensions strives to play a key role by TECHNOLOGY delivering the latest news and analysis through our magazine, website, apps and events. We utilise technology. This encompasses our online The Professional Pensions Handbook 2016 – expanded and updated – is part of this modelling system, giving trustees access to real time growing service. information and our online administration system, which We hope you find it useful over the year ahead at such a time of change for the gives members the ability to run their own retirement occupational pensions sector. scenarios. Jonathan Stapleton, editor-in-chief, Professional Pensions BREADTH Not only do we provide the core services needed by trustees (administration, actuarial, investment and consultancy) we are also able to utilise the breadth of services offered by a Big 4 firm. This gives trustees invaluable business insights. Handbooks Advertising Manager: Nita Hulme, [email protected] QUALITY Editor-in-chief: Jonathan Stapleton Overriding all of the above is the commitment to quality Editor: Helen Morrissey that KPMG brings to everything we do. Nowhere does Published by Incisive Financial Publishing Ltd © Incisive Investments Ltd. this matter more than in managing member data and Editorial & Advertising offices: getting their benefits right. 28-29 Haymarket, London, SW1Y 4RX, United Kingdom Tel: +44 (0) 7316 9000 Printed by Wyndeham Grange, West Sussex © Incisive Media TIME TO CHANGE YOUR ADVISER? Call the KPMG Trustee Services team today All rights reserved. No part of this publication may be reproduced or transmitted in any form by any means on 0118 373 1369 or visit © 2015 KPMG LLP, a UK limited liability partnership including photocopying and recording without the written permission of the publishers. Such written permission and a member firm of the KPMG network of must be obtained before any part of the publication is stored in any retrieval system of any nature. www.kpmg.com/uk/trusteeservices independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. www.professionalpensions.com 2 Untitled-1 1 22/05/2015 11:10 CONTENTS CONTENTS 4 Actuaries & Consultants 69 DC Providers 1 15 Performance Measurement 14 0 Solicitors & Legal Advisors Holding actuaries and consultants Small DC providers feeling Manager spin on performance How independent is advice in the to account the squeeze still a big problem bulk annuity market? 15 Administration Services 74 Employee Benefits 1 18 Property Services 1 47 SSASs Administration services react to Is this the beginning of the end Looking beyond the UK for freedom and choice for salary sacrifice property 15 0 Tracing Companies 24 Alternative Investment 81 Employer Covenant 1 25 Risk Reduction Providers 152 Training Provider Guide Managers Employer Covenant Working Could British Steel go down the Alternatives to play a bigger role Group launches and issues first bulk annuity route? 153 Transition Management guidance 29 Annuity Providers 128 SIPPs 1 54 Trustee Liability Insurance ABI: annuities see revival as 85 Fiduciary Management Quality mark for ‘new wave’ of SIPP Run Off/Overlooked sales outstrip drawdown IC Select to launch fiduciary savers to be launched Beneficiary - A Case Study management performance 32 Asset Management standard 1 34 Software & Systems 1 57 Trustee Training Time to tackle closet indexation How will NIC reforms impact DB TPR chief wants ‘more capable and 87 Hedge Fund Providers schemes? competent 21st century trustees’ 50 Associations & Official Bodies Overhauling hedge fund strategies All change after fee concerns 54 Auditors & Accountants 92 Independent Trustees FRS102 increasing PPF bills for Independent trustees in demand schemes The 97 Insurance Companies 58 Auto-Enrolment Consultants L&G buys Aegon’s £3bn Millions now saving, but not annuity book Professional enough 10 0 Investment Consultancy 61 Auto-Enrolment Providers Challenging consultants on Pensions AE penalty notices on the rise investment advice 64 Communications 1 04 Liability-Driven Investment Handbook 2016 Embracing technology to Tackling £1trn of unhedged To ensure your inclusion in the 2017 Handbook communicate with members interest rate exposure contact Nita Hulme NOW on 68 Custodians 107 Multi-Managers +44 (0) 20 7316 9309 or 110 Pensions Master Trusts [email protected] Mounting concerns about master trust regulation 3 Professional Pensions Handbook 2016 www.professionalpensions.com 4 ACTUARIES & CONSULTANTS ALLENBRIDGE – BARNETT WADDINGHAM ALLENBRIDGE INVESTMENT Holding actuaries and consultants SOLUTIONS LLP 26th Floor to account 125 Old Broad Street London ension consultants have long grappled with the problem of fund managers EC2N 1AR BARNETT WADDINGHAM LLP putting a gloss on their track records. Pulling apart these marketing tactics Tel: 020 7079 1000 Cheapside House can take up a lot of time and resources. Website: www.allenbridgeis.com 138 Cheapside Managers putting spin on performance is still a huge problem and may even London Pbe getting worse, according to Cerulli Associates. The research firm’s 2Q 2016 Europe ALLIANCE TRUST EC2V 6BW Actuaries & Consultants Edition cites interviews with eight investment consultants who complained managers PO Box 164 Tel: 020 7776 2200 Email: [email protected] are submitting back-tested performance data as the numbers of a real fund. 8 Westmarket Gait Dundee Website: www.barnett-waddingham.co.uk Another common complaint was the lack of clarity over whether the numbers in DD1 9YP performance data are net or gross of fees. Tel: 01382 321000 Contact: Nigel Hacking “While consultants may be more forgiving of the latter issue, the overriding concern Website: www.alliancetrust.co.uk is that some managers are willing to ‘fudge’ their way to success,” according to senior Barnett Waddingham LLP is the UK’s analyst Tony Griffiths, who conducted the interviews. AON HEWITT largest independent provider of actuarial, A fund selector at one UK-based institutional adviser said they are seeing managers 10 Devonshire Square administration and consultancy services. putting a gloss on their achievements more often. The interviewee was still surprised London by the number of basic issues arising from performance reporting, even among larger EC2M 4YP Founded in 1989 our headcount has grown fund managers. Tel: 0800 279 5588 from 20 to over 750 today based in seven offices throughout the UK. “There was frustration on behalf of consultants that while they didn’t necessarily Website: www.aonhewitt.co.uk think managers were trying to deceive them, they felt clarity wasn’t there and they ATKIN & CO Our business is based on a culture which had to ask questions about whether it was net or gross of fees,” says Griffiths. “Maybe aims to provide all of our clients with a Cornwall House it’s borne out of an environment whereby performance feels more important than it high quality professional service through Blythe Gate has been for a while.” strong personal relationships and tailored Blythe Valley Park Consultants also complained about a number of other red flag behaviours including: solutions, while remaining competitive on Solihull fees. sweeping a poorly performing product under the carpet either by changing its name West Midlands or its mandate; aggregated assets of a manager or a product including segregated B90 8AF We strive to do things ‘the right way’ mandates the consultant cannot verify; data being changed without explanation Tel: 0121 506 8200 while remaining pragmatic, and we between pitch and proposal; and managers launching or adapting products based Website: www.atkin.uk.com pride ourselves on our long and lasting primarily on market demand. relationships with clients. Punter Southall Aspire chief executive Steve Butler has been dealing with performance data issues for the past 14 years and the only way he has gotten round Our services include the design, valuation them is by being “brutally strict” about the data given by managers. He says looking and financial management of occupational at numbers gross of fees is the only way to compare apples with apples. He has done pension schemes, as well as full pensions this with defined benefit (DB) and is now doing the same type of analysis in defined administration services, and advice contribution (DC). relating to the investment of assets and the “It’s just as frustrating because I want to do it in gross but the providers want to give selection and monitoring of fund managers. it to me in net,” he says. “Yet net means something different for every single client they have – so there’s no standard net. I’m forcing them to use gross with me but the Authorised and regulated by the Financial Conduct Authority and licensed by the managers will always present the one that represents them in the best light.” Institute and Faculty of Actuaries for a range of investment business activities.
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