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Active fund management is dead - Long live active fund management

Surprising revelations to note for the passive investment community

Hard evidence and facts as presented by TAM Asset Management reveal that passive index investing has cost investors massively over the years despite low fees.

Conversely active fund management has demonstrably proven to be far more profitable over time despite slightly higher fees.

These revelations may move passive investors to re-think their strategies.

For those accustomed to discretionary fund management the article will serve to re-affirm the belief and commitment to this style of investment.

Unclaimed UK Pensions & Tracing Service

Pension scheme members are missing out on GBP20bn of unclaimed pension pots

It has been revealed that the UK has £20 billion in unclaimed pensions, research from the independent PPI has revealed, adding pressure on the government to act over the "pensions dashboard".

The PPI surveyed half of firms in the private defined contribution (DC) pension market, looking at 12 large insurers, and found 800,000 lost pensions worth around £9.7 billion.

Using this research on half the market, the PPI estimated there are 1.6 million lost, or unclaimed, pots in the UK today worth £19.4 billion.

Latest longevity figures pose retirement saving problem

Retirement without adequate income is not a happy place to be

Experts have warned of undersaving for retirement as the latest figures predict increasing numbers of newborns will live to 100 years old.

The Office for National Statistics (ONS) figures found life expectancy was projected to increase, albeit at a slower rate, with an extra 8.6m people aged above 65 in half a century’s time - a demographic shift expected to put increasing pressure on already struggling care provision.

According to the figures 22.6 per cent of newborn boys and 28.3 per cent of newborn girls will live to 100 years old.

The data found a 65 year-old could expect to spend around half of their remaining life expectancy in good health, but the amount of time spent in poor health will increase as life expectancy rises.

BBC to pay GBP 340m to fund pension scheme

BBC agree to new payment plan to try and bridge pension deficits

The BBC will make annual contributions until 2028 to reverse the current £1.8bn deficit of its defined benefit pension scheme.

The television network as agreed to a new repayment plan, which will imply paying £2.37bn over the next 11 years.

Next year alone, BBC will pay £340m, according to the company’s annual report.

The new repayment plan is the result of a triennial actuarial valuation, completed in June 2017.

MP's probe universities' GBP 12.6bn pension deficit

UK university pension deficits more than double since 2014

The deficit of the pension scheme funding the retirements of UK university staff has more than doubled in three years, and now a prominent MP is asking why.

The Universities Superannuation Scheme (USS) provides pensions for academics and has 390,000 members across 350 universities in the UK.

The annual accounts of the USS, showed the pension fund’s deficit had widened from £5.3bn in 2014, to £12.6bn this year. This is the largest recorded deficit of any UK retirement fund.

Pensions battleground in divorce cases

Pension assets become battleground in divorce cases

Court orders to split a couple's pensions in the case of a divorce are on the rise, with lawyers seeing a 43 per cent increase in the last year.

Rising asset values make it increasingly attractive for divorcees to seek a share of their spouse’s pension, according to law firm Collyer Bristow.

The number of pension sharing orders, which are issued by courts to divide a pension following a divorce, rose to 11,503, up from 8,027 in 2015/16 - This is despite a 3 per cent fall in divorces in the UK.

Retirement before age 70 'unaffordable' for one in 12

1 in 12 pensioners delaying retirement due to lack of funds

More than half of those planning to retire this year will consider working past the state pension age, with many saying they can not afford to stop work, research from Prudential has suggested.

The group’s annual research found that ‘pretirement’, where people gradually scale back work or change jobs rather than stop working completely, is increasingly common among people of retirement age.

About one in 12 people said they were delaying retirement because they could not afford it, and thought they would not be able to stop working before the age of 70.

Gay man wins landmark pension case in UK court

Gay man wins equal pension rights in landmark UK court case

The UK Supreme Court has ruled that same-sex couples have the same rights to pension death benefits as heterosexual couples in a landmark case involving a final salary scheme.

On Wednesday, John Walker won his long-running legal battle to allow his husband to inherit the same percentage of his defined benefit (DB) pension that a female partner would be entitled to.

Under existing rules, occupational pension schemes pay out 50% of the value of a pension to a spouse for the rest of their lives after their husband or wife dies - without taking the marriage date into account.

However, an exemption in the 2010 Equality Act allows companies to limit pension benefits for surviving same sex spouses, to benefits accrued since 2005, when the Civil Partnership Act came in.

This means that companies do not have to pay out the full pension benefits to a civil partner in a same sex marriage on pensions built up before 2005.

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