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Commenting, on the latest ONS report that highlights a number of changes taking place in the pensions and insurance world in the UK,.Barnett Waddingham senior consultant Malcolm McLean, says: |
“This report confirms that the biggest change over the last few years is the establishment of Defined Contribution (DC) “master trusts”. It suggests that as more funds build up in DC master trusts in coming years, and as more and more Defined Benefit (DB) pension schemes in the private sector close to new members, there is likely to be a shift from DB to DC in overall pension provision. This could mean that people become more reliant on DC pensions and that the risks associated with pension saving for retirement shift from the providers (the principal risk-bearers for DB pensions) to households who assume most of the risk of DC pension saving. To view the ONS report click here |
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