Isio's 2022 pensions predictions

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stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/digital/">Digital services</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Digital services</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Solutions that combine deep pensions expertise with digital prowess.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 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pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Insights</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">The big issues facing our industry.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/us-election-result-what-does-this-mean-for-markets-and-investors/">US election result: what does this mean for markets and investors?</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/the-key-takeaways-from-a-highly-anticipated-budget/">The key takeaways from a highly anticipated Budget</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/lgps-england-wales-low-risk-funding-index-30-september-2024-results/">LGPS (England & Wales) Low-Risk Funding Index: 30 September 2024 results</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-quarterly-october-2024/">Isio Quarterly October 2024</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/news/isio-acquires-k3-advisory-to-bolster-risk-settlement-capabilities/">Isio acquires K3 Advisory to bolster risk settlement capabilities</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/changing-dynamics-for-in-house-pensions-managers/">Changing dynamics for in-house pensions managers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-mail-delivers-a-return-to-collectivism/">Royal Mail delivers a return to collectivism</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/insights/royal-londons-entry-into-the-bulk-annuity-market/">Get your benefits right or risk losing top talent</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" href="https://www.isio.com/2024/02/29/outpacing-change/"> <div class="relative overflow-hidden object-cover w-full h-[220px]"> <img width="366" height="187" src="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png" class="w-full h-full object-cover" alt="" decoding="async" fetchpriority="high" srcset="https://www.isio.com/app/uploads/2024/02/Outpacing-change-thumbnail-366x187.png 366w, 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font-semibold uppercase">post</span> <span class="text-base 2xl:text-lg pl-6 text-black">Outpacing change</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/2024/02/29/outpacing-change/">Outpacing change</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" viewBox="0 0 21 21" fill="none"> <path d="M1 1L19.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> <path d="M20 1L1.5 19.5" class="stroke-white" stroke-width="2" stroke-linecap="round"/> </svg></button></div> </div> </div> </section> </li><li class='flex items-center has-mega-menu menu-item menu-item-type-post_type menu-item-object-page'><div class="relative flex items-center h-full menu-link-wrapper"><a href="https://www.isio.com/about-us/">About us</a></div><section class="mega-menu hidden bg-brandGreen text-white"> <div class="lg:container md:mx-2 lg:mx-auto"> <div class="grid grid-cols-[290px,_10px_,1fr,_auto] xl:grid-cols-[300px,_10px_,1fr,_auto] justify-between"> <div x-data class="intro-text pt-8 w-[300px] pr-7"> <h2 class="text-2xl xl:text-4xl font-semibold mb-8">Find out more about Isio</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">An industry-leading challenger, providing Pensions, Benefits, Investment and Wealth services – ensuring better outcomes for our clients.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/our-vision-and-values/">Our vision and values</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/about-us/sustainability/">Sustainability</a></li> <li class="pt-1.5 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srcset="https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142.jpg 1920w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-300x125.jpg 300w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1024x427.jpg 1024w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-768x320.jpg 768w, https://www.isio.com/app/uploads/2023/11/image_2023-11-13_111029142-1536x640.jpg 1536w" sizes="(max-width: 366px) 100vw, 366px" /> <div class="absolute bottom-0 left-0 px-5 py-1 bg-white/80"> <span class="text-base text-brandGreen font-semibold uppercase">insight</span> </div> </div> </a> <a class="featured-link" href="https://www.isio.com/insights/isio-insights-maximising-value-from-employee-benefits/">Maximising value from employee benefits</a> </div> </div> <div></div> <div class="vertical-divider"></div> <div class="pb-8 pt-4 w-full"><button class="close-mega-menu mx-auto block"> <svg xmlns="http://www.w3.org/2000/svg" width="21" height="21" 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One team.</h2> <p class="leading-6 2xl:leading-6 font-light text-base 2xl:text-lg ">Isio is built by challengers, innovators and forward-thinkers, striving to deliver higher levels of financial confidence.</p> </div> <div class="vertical-divider"></div> <ul class="columns-2 gap-x-10 pt-12 pl-[3cqw] pr-5"> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/">Our careers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/early-careers/">Early careers</a></li> <li class="pt-1.5 break-inside-avoid "><a class="font-light text-base xl:text-lg leading-5.5 xl:leading-5.5" href="https://www.isio.com/careers/our-locations/">Our locations</a></li> </ul> <div> <div class="mega-menu-image w-[350px]"> <a class="image-link" 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lg:py-0 relative flex h-full items-center "> <div class="breadcrumb hidden lg:block absolute top-3.5 "> <span><span class="bc-link"><a href="https://www.isio.com/">Home</a></span> <span class="bc-seperator">»</span> <span class="bc-link"><a href="https://www.isio.com/insights/">Insights</a></span> <span class="bc-seperator">»</span> <span class="breadcrumb_last" aria-current="page">Isio’s 2022 pensions predictions</span></span> </div> <div class="max-w-[600px] text-white flex-col text-left pt-16 pb-8 lg:pt-28 lg:pb-20"> <div class="headings flex flex-col mb-4"> <h1 class="h1"> Isio’s 2022 pensions predictions </h1> <h2 class="text-2xl uppercase"> Benefits </h2> </div> </div> </div> </div> </section> <section> <section class="text-wrapper text-block medium-width "> <div class="container"> <div class="acf-innerblocks-container"> <p>As we start the new year, we challenged Isio’s leading pensions experts to give their perspectives on the themes they anticipate will impact the industry in 2022.</p> <p>I<strong>ain McLellan, Director at Isio, comments on the ‘firsts’ our industry can expect in 2022:</strong></p> <p>“The industry is awaiting a number of ‘firsts’ in 2022 and like a baby taking its first steps, they have been long anticipated and watched with bated breath to see if they gain momentum.</p> <p>“Following TPR’s approval of the first DB <strong>superfund</strong>, the industry will be watching Clara Pensions for its first transactions and welcoming its first pension scheme members. It will be interesting to see how quickly any new players emerge onto the field.</p> <p>“Although recent headlines have confirmed slight delays, 2022 should be the year we get clarity on a number of pension changes. Firstly, we wait to hear the final outcome of how trustees and sponsors will have to update their governance approaches to comply with <strong>the revised Notifiable Events regime</strong>. Whilst the greater focus on pensions as part of corporate activities is clearly good for members, it’s likely to take time for the new requirements to be embedded, with the potential for The Pensions Regulator to flex its new regulatory muscles by finding some poster children to put on the naughty step.</p> <p>“The Royal Mail <strong>Collective Defined Contribution (CDC) scheme</strong> is expected to launch by the end of 2022, but will we see others picking up the baton or movements to legislate to allow multi-employer variants?</p> <p>“And finally, the roll out of <strong>GMP equalisation</strong> could be compared to watching a snake swallowing a deer. The industry spent 2021 managing to get its jaws around the head and the slow digestion process is now beginning. Whilst the first few schemes have started to complete already, we anticipate the momentum to build during 2022.”</p> </div> </div> </section> <section class="home_block--ten relative bg-cover bg-no-repeat bg-center h-[24rem] md:h-[720px] mb-0" style="background-image: url('https://www.isio.com/app/uploads/2021/01/image_2023-11-17_135050513.jpg')"> </section> <section class="text-wrapper text-block medium-width "> <div class="container"> <div class="acf-innerblocks-container"> <h2 class="wp-block-heading" id="h-innovative-funding-solutions"><strong>Innovative Funding Solutions</strong></h2> <p><strong>Ian Cochrane, Director at Isio, said:</strong></p> <p>“Although it has been significantly delayed, the new funding code is expected to be in place at the end of the year.  This will increase pressure on improving funding levels and setting long-term plans, which sets the stage for schemes to explore more innovation funding solutions. Not only has the Regulator shown support for such solutions in its funding code consultation, the new TPR powers and Notifiable Event requirements will need more thought on how to address potential detriment from transactions. And, with more focus on the timing of tax relief as tax rate change starts to kick in from 1 July 2022, we expect a greater interest in different approaches for schemes of all sizes.”</p> <h2 class="wp-block-heading" id="h-investment"><strong>Investment</strong></h2> <p><strong>Ajith Balan Nair, Director and Head of Investment Research at Isio, commented:</strong></p> <p>“Rising inflation continues to be in the spotlight for pension schemes, with UK RPI recently hitting a 30-year high and the IMF warning the Bank of England to increase interest rates in order to dampen demand.</p> <p>“Higher long-term inflation expectations in the second half of 2021 have already sparked the need for schemes to consider refreshing their hedging strategies and the outlook for 2022 remains very much uncertain as central banks and governments factor in the potential economic impact of the new Omicron variant into their monetary policy decisions. We continue to advise clients to review their hedges annually, or in the event that long-term inflation expectations materially change following hedge design.”</p> <h2 class="wp-block-heading" id="h-defined-contribution-schemes"><strong>Defined Contribution schemes</strong></h2> <p><strong>Richard Birkin, Director and Head of Defined Contributions at Isio, commented:</strong></p> <p>“The focus on improving member outcomes will continue in 2022 with a drive to increase minimum autoenrollment contribution rates and post-retirement options. The Pensions Regulator is clearly open to better solutions with open consultations on Value for Money to review charges and we should expect more exploration of Master Trusts as well as continued consolidation in the provider space.</p> <p>“Likewise, member engagement and personalisation will be key this year, with simplified benefit statements, a faster roll out of technology with members able to access their schemes as quickly as they would their bank account. We should also expect a greater focus on employee wellbeing, with integrated workplace savings options and broader employee benefits.</p> <p>“And finally, it’s likely we’ll see a shift in investment strategy with greater innovation, not only fuelled by the changes in market environment, but with a world-wide commitment to a more sustainable approach.”</p> <h2 class="wp-block-heading" id="h-pensions-administration"><strong>Pensions Administration</strong></h2> <p><strong>Samantha Coombes, Director of Pensions Administration at Isio, commented:</strong></p> <p>“With higher volumes of BAU activity, GMPE and pressure to get pensions dashboard plans in place, 2022 and beyond will be full of ongoing challenges for pension administration teams.</p> <p>“With national resourcing issues, technology will be key to success. Whether it’s cleansing data, digitising services or driving member self-service, using technology in the right way will enable administration offerings around the country to be in the best possible position to deliver the right outcomes for members.”</p> <h3 class="wp-block-heading" id="h-isio-in-the-news">Isio in the News</h3> <p>Read more from Isio, and others, in Pensions Age: <a href="https://www.pensionsage.com/pa/Experts-predict-busy-2022-for-pensions-industry.php">Experts predict busy 2022 for pensions industry – Pensions Age Magazine</a></p> <div class="wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex"> <div class="wp-block-button"><a class="wp-block-button__link wp-element-button" href="press@isio.com">Media enquires</a></div> </div> </div> </div> </section> <div class="get-in-touch md:h-[250px] bg-no-repeat bg-bottom xl:bg-left-bottom bg-brandGreen-light py-14 md:py-0"> <div class="container text-white flex flex-col md:flex-row items-center space-between h-full"> <div class="flex flex-col xl:flex-row items-center md:items-start xl:items-center"> <h2 class="text-left text-5xl xl:basis-[400px] mb-8 xl:mb-0">Contact us</h2> <p class="text-2xl px-5 md:px-0 xl:basis-[320px] mb-6 md:mb-0">Isio has eight regional hubs, which draw upon nationwide expertise to meet specific client needs. 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Isio's 2022 pensions predictions - Isio