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PMI News Investment Insight

Accepting the limitations of engagement

We’re not surprised that most people are disengaged from the pension process. Rather than encouraging them to change, we think it’s far better to use this inertia to their own advantage by making the DC pension default offering work in their best interests. We believe flexible target date funds are ideally suited to this role, argues Tim Banks, our Head of DC Sales and Client Relations.

September 1, 2012
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Professional Pensions

What is a target date fund?

Tim Banks, our Head of DC Sales and Client Relations, explains how target date funds can offer much greater simplicity for members, trustees and providers.

August 23, 2012
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Professional Pensions

No guarantee of success

Guarantees may have a place in retirement provision, says David Hutchins, AllianceBernstein’s Head of DC Investments, but our experience suggests that to be successful the implications need to be well thought through.

July 26, 2012
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Engaged Investor

How Engaging Should DC Try To Be?

We suggest that getting better results from DC pension members may involve accepting that most people won’t become engaged in the pension process. Better to offer them a default approach that works in their best interests, argues Tim Banks, our Head of DC Sales and Client Relations.

July 20, 2012
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Pensions Week

Delivering Effective Diversification

Rising volatility and regulatory pressures are putting the focus on diversification in defined contribution pensions. The most effective diversification is achieved by splitting the asset allocation from the underlying management of the assets, while incorporating a dynamic element in the process, suggests Tim Banks, our head of DC and Client Relations.

July 9, 2012
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Improving income choice for retirees

With auto enrolment bringing millions of new savers into defined contribution pensions, Tim Banks, our Head of DC Sales and Client Relations, asks whether a managed drawdown arrangement might not allow them to make better decisions at retirement than buying an annuity as soon as they give up work.

June 21, 2012
 

Pensions Week

Reinventing the Glide Path

David Hutchins, our UK Head of DC Investments, argues for a more flexible approach to investment glide paths, while Tim Banks, our Head of DC Sales and Client Relations, unpicks some of the myths that surround target date funds.

June 18, 2012
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PMI News Investment Insight

Giving Retirees a Real Choice

We question whether a flat-rate, single-life annuity is still the best way to secure a retirement income for most DC savers. Tim Banks, our Head of DC Sales and Client Relations, argues that using the age-based approach we use with our target date funds in the early stages of retirement could provide a better solution.

May 31, 2012
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Telegraph

Low-cost Drawdown Plans Offer Escape from “Annuity Trap”

Emma Simon, Deputy Money Editor of the Daily and Sunday Telegraph, suggests that low-cost income drawdown plans like AllianceBernstein’s Retirement Bridge range should offer a lower-risk alternative to conventional drawdown products.

May 21, 2012
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