From: Subject: Shaping the system to suit - Pensions Management - the magazine for pension & investment industry professionals Date: Thu, 19 Jun 2008 13:52:49 +0100 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C8D213.C2DBDEA0" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3198 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C8D213.C2DBDEA0 Content-Type: text/html; charset="Windows-1252" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.pensions-management.co.uk/news/fullstory.php/aid/4210/Shaping_the_system_to_suit.html Shaping the system to suit - Pensions Management - = the magazine for pension & investment industry professionals
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Shaping the = system to=20 suit

Published:  01=20 January, 2008

For the most part, = the personal=20 accounts system is recognised as being an efficient way of = making=20 the pensions industry work for consumers, but there are = further=20 challenges ahead=20

The = national=20 pensions savings scheme approach to delivering personal = accounts is=20 a radical attempt to make the financial system work in the = national=20 economic interest and provide security in retirement for=20 consumers.

Not = radical in the=20 sense of being innovative; it is self-evidently the most=20 economically efficient method of making the pensions = industry work,=20 given the previous failures with retail pensions.

But = radical in the=20 political sense, in the rediscovery of the collective = approach to=20 meeting consumers=92 needs, and the way the government, with = the=20 support of Which? and public interest groups, fought off = vested=20 interests who mounted fierce overt and covert campaigns to = derail=20 personal accounts.

The = collective=20 approach

The = reforms=20 recognise that, unlike other retail markets, individual = consumers=20 exert very little power in complex financial = markets.

The = collective=20 approach at the heart of the reforms fundamentally changes = the=20 relationship between consumers and powerful financial=20 markets.

In other = countries,=20 such as the USA and the Netherlands, the collective approach = has=20 proved vastly more economically efficient than the retail = model =96=20 which can destroy value because of the inefficient = proliferation of=20 products and providers. The UK personal accounts board will = be able=20 to use the financial clout provided by a collectively run = pension=20 scheme to demand the best terms from the most efficient=20 institutional fund managers.

The = reforms are not=20 perfect. The contributions cap is a sop to the insurance = industry,=20 and the combined contribution rate will need to be regularly = reviewed to ensure people=92s retirement incomes are on = target. But we=20 have got this far and that is encouraging.

However, = much needs=20 to be done to ensure personal accounts are delivered as=20 intended.

The = need for=20 consensus

We need = to maintain=20 consensus and public support. There is a long way to go, and = we=20 continue to see sniping and reckless statements from certain = industry representatives and politicians. Sustained = communication=20 campaigns are needed to embed the benefits of personal = accounts into=20 the national consciousness so that vested interests = undermine=20 reforms at their peril.

In terms = of fund=20 choices, simplicity is key. Consumers=92 core investment = needs can be=20 met with a limited number of options. Superfluous options = destroy=20 consumer value, create the illusion of choice, cause = confusion and=20 increase the need for financial advice.

Coproduction for=20 success

Effective governance=20 and consumer representation mechanisms will help maintain = public=20 support. I=92m very encouraged so far by the efforts of the = Personal=20 Accounts Delivery Authority (PADA) to involve public = interest=20 representatives, such as the Trades Union Congress, Which? = and=20 Citizens=92 Advice. I hope this attitude carries over to the = running=20 of personal accounts. The Financial Services Consumer Panel = provides=20 a good model for ensuring consumer interest is=20 represented.

Personal = accounts=20 need to be designed in a way that is understood by, and = engages,=20 consumers. Policymakers should adopt the idea of = coproduction, which=20 has been used successfully in other public services such as = health=20 and social care. Coproduction actively involves consumers in = the=20 design of services so that their needs and preferences are = embedded=20 into systems from the outset.

Free = access to=20 advice

From my = perspective,=20 the greatest challenge will be meeting the needs of = vulnerable,=20 hard-to-reach consumers, who may not be familiar with making = long-term financial decisions. This requires concerted = efforts to=20 ensure personal accounts and communications strategies are = designed=20 with the needs of excluded groups in mind. We also need = clarity=20 around the interaction between savings and welfare=20 benefits.

Access = to unbiased,=20 free financial advice to help consumers make informed = decisions will=20 also be critical. Consumer advocates support the idea of a = national=20 generic advice service. This service is needed to provide=20 information and guidance to consumers on general financial = matters.=20 But a coordinated generic advice service building on the = work done=20 by organisations such as The Pensions Advisory Service = (TPAS) will=20 also support the delivery of personal accounts.

The = need for=20 change

Finally, = we must=20 think about the interim period from now until future = generations=20 start to benefit from personal accounts =96 maybe not until = around=20 2030. The level of financial underprovision in the UK is=20 shocking.

Greater = numbers will=20 face sustained, transitional dips in retirement incomes due = to=20 record levels of debt, low levels of personal savings, and = the=20 demise of decent employers=92 schemes.

We need = to change=20 the UK from a debt culture to a savings culture. And it=92s = time for=20 more radical thinking from policy innovators to provide = consumers=20 with financial security by helping them utilise home equity = safely,=20 and improve the operation of the annuities market. The work = of=20 providing secure retirement incomes for UK consumers has = only just=20 begun. Interesting times ahead.

Mick = McAteer runs=20 The Financial Inclusion Centre, and is on The Pensions = Advisory=20 Service board

Personal accounts=20 =96 at a glance

  • Personal accounts are radical not in the sense of = innovation,=20 but in the political sense.=20
  • Efficiency is self-evident - Following previous = failures, personal accounts are clearlythe most = economically=20 efficient method of making the pensions industry work.=20
  • Collective approach - At the heart of the = reforms and=20 changes the relationship between consumers and financial = markets=20
  • Not all perfect - Encouraging, but much to be = done to=20 ensure delivery of personal accounts=20
  • Keep it simple - Personal accounts need to be = designed=20 in a way that is understood by, and engages, consumers=20
  • Advice must be free - Access to unbiased, free=20 financial advice is critical for consumers to make = decisions=20

RESPOND TO THIS=20 ARTICLE

  • Mick McAteer welcomes comments on the views expressed = in this=20 article=20
  • Send your thoughts via email to=20 mick.mcateer@inclusioncentre.org.uk=20
  • Alternatively, send your views to the editor via=20 pensions.management@ft.com

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3D""
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