Improving outcomes for members of defined contribution (DC) pension schemes is a key theme this year.
Since the advent of automatic-enrolment, the government is rightly concerned to ensure that pension scheme members are getting value for money.
As a result, we have seen a dizzying number of initiatives and consultations launched in the last few months on workplace pensions, with everyone from the Department for Work and Pensions to The Pensions Regulator (TPR) and the National Association of Pension Funds getting in on the act.
The Office of Fair Trading’s (OFT) market study, published in September 2013, found that competition alone cannot be relied upon to drive value for money for all savers in DC workplace pensions, because of weakness on the buyer side of the market and the complexity of the product.
A cap on charges route has already been tested on stakeholder pensions. In that context, it effectively set a new benchmark for the industry, and imposing a cap for default funds in auto-enrolment schemes is likely to do the same.
Although a cap is important, it is more important to try to ensure members receive value for money. But defining value for money is almost impossible. I imagine this is why the government has chosen to focus on charges: it’s easy to understand, comparable and transparent, but only part of the picture of value for money.
The OFT’s other recommendations around improving governance in contract-based DC and TPR’s concerns about small schemes, as well as the audit work to be conducted by the Association of British Insurers on legacy schemes, will work as part of this wider drive to deliver value for money.
But the crucial piece of the jigsaw is member education. While the industry can work to get the building blocks right, member outcomes cannot improve to allow comfort in retirement if members do not save enough money.
Zoe Lynch is a partner at law firm Sackers
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Dream snow Chen way:”Who say him this matter.I am just a few days ago to say, see ice Mu to of one heart and mind, now meet moreover a beauty immediately in a restless and jumpy mood.These still all not is a teach?”
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“You gave last time so many, the momentary half would still spend not over, just just in the wine shop, the An heard combine state again explosion fought, and seemed the battlefield this time in the wild goose door, there should be your old house.”
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Four households of these two saint area the strong certainly know the first of the Bo under charge of this Su strong, immediately kept on backing.Strong bright breathing of the Hao inside body in Nice, have already let the strong of the saint area of this self-discipline dark rule produce tiny fear.
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“H’m …the another nation don’t know, China is so.”
Snow Ji left by meter taxi, remnants the heel leave of 3 people look for a man whom by the name of Wu flies.This man belongs to for a sky, door was in the middle of beating for previous cluster of several years put by Chen Can and had already withdrawn river’s lake at present, but this person make friends very and widely, the fatty wave and Zhang Tians all know him.
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The air in the house seems than just cooler, Li Shu actually not from must beat to cringe, but house inside since the thing with no the type of ice-cubes can absorb heat, also don’t include foul atmosphere reduction Li Shu Shi’s MP of negative energy, connect may have peculiar Xuan Wu Bao Yu to touch also completely peaceably often similar.Li Shu actually feels to have already grown a nonsense felling.
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“It is alas.”Dream snow in the sky Duo stamp foot, but take this elder brother also helpless.
Si skin gram explanation way:”Is two, on being the Jian of the ex- car of dream snow, the Mu permits Bo to agree that dream snow is as virtuous as Wei, how may agree to inebriate breeze and Su Bo again?Two be if the Mu permit the words of Bo approval, Su Bo early should seek me.He is always careful not the Wei is virtuous
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Certainly, Li Shu Shi this kind of in addition to own calculate and rarely haggle ability outside is also an in the man returning common of throw very much first a generation face of cross how see also isn’t all Zhen that touches climb and roll and beat greater half generation son on the officialdom
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Listenned to Gao fluently make collective report, Li Shu ordered to nod to agree this matter after actually considering for a while.Liu how although don’t live a head for several years, however as a future southwest king, govern next control Sichuan and Guizhou these two future wine industries base, this original wine production that all anyway has to take down , in the household wine industry trust of Li Shu Shi that plan base.Now and Liu how make the words of good relation, so in the future Liu how clean up local time of strong Hao Li Shu actually had the opportunity to gain a place.Also don’t forget Shu county to there is also heavy Li Shu Shi’s former incumbent bodyguard Zhang Ren Zhang’s son certainly.
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Is only evil to lead cannon this still the dime of iceberg, because each organization after once using once, effect was poor and even had no effect for the second time.So, have manikin clan the spare parts processes aspect of support, the ground Jing tribe cunningly still set out a knot boundary that can control device, and at knotted ground in the boundary center to lay a ‘chemical element storm’of bomb.As long as according to probing into of underground system, explore to know that all enemies got into limitative scope inside, open the knot boundary in the rightness the device come to grasp terrapin in the jar!
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Gao Shun the face at this time is really too a little bit uncanny.Originally is always three have no poker face of Gao fluently now but is one vice- silly smile version very six add seven facial expressions, the corner of mouth having muscular spasms increased more terrible for three cents.
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“Do you still prepare to continue to begin?”The head vital part of Di maple got so heavy one shot, the foreheads were all thoroughly dyed by the blood red, can he still a Hun however not feel that the appearance asks a way.
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Old monk Nian a small insect of the ground, cautiously conjectured some kind of, slowly say:”This kind of insect calls disease evil Gu, hide in the person’s body, and can’t directly produce injury to the person, but it will slowly gobble up the person’s Jing blood.You said you since the childhood and then sawed to say so of isn’t the truth.”
Though the Di maple real strenght has been already to the utmost lost, but doesn’t represent him to weigh a beginning, at least his most precious memory is complete now, innumerable severe of the self-discipline methods all hide at his brain in, the theory is what army camp inside whichever angels can not compare since his current combat experience, he is in need of of Be just time, in the shortest time inside resume the way of real strenght!The road of past self-discipline is probably very quick, but has already no longer suited current of he, have been already followed on his spirit’not intentional territory
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Oneself use the time accumulate Zan.
See to this terrible corpse explode and have no all kill the other parties all, in addition to explode outer circle of virtuous benefit Anne’s soldier, at present this blood lotus warrior also by luck lived down!Probably is his position to at the right moment proceed from that first explosion to order a flank, he wasn’t killed by explosion when corpse’s exploding power hasn’t completely expanded, so the turning point in behind can also summon up the Dou spirit of whole body to carry on defense, however a reason is still his battle armor of the most is very good, help him hold up 100 cent, only 70 powers, this just only be just inflicted a heavy losses on.
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At this time station at Li Shu actually and nearby of Lyu Bu hear Li Shu Shi’s regrets, slightly some funnily looking at this only have some too touchy-feely small just and too.Huang Jin Jun’s end will be what appearance, as early as Zhuo county of time everyone in fact has been already known, the so-called yellow towel starts revolution however is an one or two drama that man emperor Liu Hong plays just.
On jumping since the ship crest jumped down, Pa friendship’s earnest way:”” XX milk …”
Fox Fur Boots For Women The eye sees these devil kings thus of difficult tie up, Pa especially inside gram fury within heart absolutely such as that volcano similar, don’t well make will exhaustive big eruption, but it happened that he wants to become angry to also have no that time now, the evil spirit of the Di maple of still interrupting of the most coagulates.The condition that can see at present this way is absolutely to go impassability, straight-tempered he also went ahead regardless, a drum annoyed of coagulate the magic of arising from the body, make use of’the Zhang of evil absolute being’of increase, start preparing oneself’s a the most violent shot, he doesn’t believe to change with the triple devil king the ability attack of body and also compare the combustion of not last Di maple evil kind of!
Finish saying, Li Shu actually twists face to a side doesn’t know the beginning favour lives again what of Su small Luo Li there.
Certainly, with emperor just the Song go together of not only only have ugly good Yan and text, include look at Gao and Jiang Qi at inside, emperor just the Song came out from the district of Yan walk many wars of potential New appointee.What to have to say BE, for force will but speech, chaotic probably is more suitable for them are some, because of only have in the chaotic, then they can acquire the opportunity of more performances, otherwise only at my cook resume or dedicate Mei all top officers, perhaps wait until the time of the position that they climb enough Gao, but their natural endowmentses and vigour have already almost exhausted idle away.
“Although mean to say very much indeed as expected Kui not is a soul geezer the person cries up like this of words, however also please please don’t always hereafter see, I is stand on your in front.Be really of, be like you this kind of
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“I say that everything has already knotted
Snow is blue the Mu certainly knowing ice wants to revenge for oneself, just she not know Si skin gram also not know that the ice Mu kills at the time that ghost copied, ice Mu basically not
Cheap Pandora Charms “Burst!”The continuous shot beats, the crystal always still stays around a class for a while, this result makes section the wood Be a burst of to disappoint, he doubts Di maple body top whether have what special defense prop, so just just could hold up the one punch of the gram of Si Pa just!The gram of Si Pa shakes head more to sway a brain of looking at Di maple, completely is a kind of mindset for enjoying a play, his wanting to see Di maple, this guy exactly can also affect a show of beat how long?
The girl comes over here and lightly pulls his hand.
The Si skin gram wanted to think a way:”The dark night curses to kill ice Mu nothing but because of he with shadow Shang snow of relation, the most direct way is to bring together her with love Nuo, they two together make track for shadow nature trust.”
Expect Tai to have no 1:00 of hesitant, immediately went boundary in the sky.
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