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Searching for: researcher is "royal london"

Surveys listed in reverse order of publication date

Results 1-15 of 40. Go to page: 1  2  3  
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Are half a million people paying unnecessary tax on their state pension?
Royal London Policy Paper 33
Royal London
Apr 2019 United Kingdom State Pensions, Taxation
Royal London's latest policy paper has found that a large number of people working past their state pension age could be paying unnecessary tax because they have failed to take up the option of deferring their state pension until they stop work. In 2017 there were around 1.1 million people in the workforce aged 65 or over, of whom roughly 950,000 were combining paid work with drawing a state pension. More than half of these (around 520,000) were earning enough to take them over the tax threshold, meaning that the whole of their state pension was taxed.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Apr 2019 or click here (this link will not work in all circumstances). For further information about Perspective click here.

3D11461B1    
 
The Lifetime Allowance ‘timebomb’ - why more than a million workers need to know what it is and what to do about it
Royal London Policy Paper 31
Royal London
Mar 2019 United Kingdom Annuities and Income Drawdown, Pensioners & Retirement, Taxation
Royal London has published its latest policy paper which aims to provide, for the first time, a broad estimate of the number of people in the working age population who are likely to be affected by the Lifetime Allowance based on their current pension wealth and pension scheme membership. According to the paper, around 1.25 million non-retired adults are expected to see their pension wealth pass the Lifetime Allowance limit by the time they retire.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Mar 2019 or click here (this link will not work in all circumstances). For further information about Perspective click here.

2C114475D    
 
What will be the impact of the April 2019 step-up in automatic enrolment contribution rates?
Royal London Policy Paper 29
Royal London
25 Feb 2019 United Kingdom Automatic Enrolment, Taxation
Royal London has published its latest policy paper which considers how the rise in employee auto-enrolment contributions from 3% to 5% will affect scheme membership. According to the research, the impact will be minimal as the increased contributions will be partly or fully offset for the majority of people by pay rises and a more generous income tax system. This conclusion is reinforced by analysis of the behavioural response to the first rise of automatic enrolment contributions from 1% to 3% that took place in April 2018.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Feb 2019 or click here (this link will not work in all circumstances). For further information about Perspective click here.

FD11407A1    
 
As 'divorce month strikes', new research shows divorced women are 'pensions poor relations'
As 'divorce month strikes', new research shows divorced women are 'pensions poor relations'
Royal London
Jan 2019 United Kingdom Divorce, Pensioners & Retirement, Savings
Research from Royal London has found that divorced women are far behind their married counterparts in terms of pension and property wealth. According to the findings, women who eventually divorce end up with less than half the property wealth of married couples and less than one third of the average pension wealth.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Jan 2019 or click here (this link will not work in all circumstances). For further information about Perspective click here.

9D1135016   Click here to contact the authors.
 
Half of income drawdown customers have an income likely to last them for life
Half of income drawdown customers have an income likely to last them for life
Royal London
15 Nov 2018 United Kingdom Annuities and Income Drawdown
According to research from Royal London, only 47% of drawdown customers are taking an income which has around an 85%  chance of lasting them for the rest of their life.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Nov 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

801129370   Click here to contact the authors.
 
Pension Tax Relief: Where will the Chancellor’s Budget axe fall?
Royal London Policy Paper 27
Royal London
Oct 2018 United Kingdom Pension Reform, Taxation
Royal London's latest policy paper looks at the pension tax relief regime, setting out some of the reasons why the Chancellor may seek to raise revenue through changes to pension taxation. It also considers the various aspects of the regime, how each works, what has happened in recent years and what might change. Royal London's position is that pension tax relief should be left alone.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Oct 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

D8112373D    
 
Will housing wealth solve the pensions crisis?
Royal London Policy Paper 23
Royal London
Aug 2018 United Kingdom Pensioners & Retirement
Royal London's latest policy paper looks at the dramatic increase in home ownership amongst individuals aged 65 and over and asks whether housing wealth could solve the UK's pensions crisis. However, the analysis warns that for the majority of households, housing wealth is unlikely to be a ‘get-out-of-jail’ free card.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Aug 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

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Graduates who make the wrong decision about their student debt "could miss out on £75,000 from their pension pot"
Graduates who make the wrong decision about their student debt could miss out on pension
Royal London
14 Jul 2018 United Kingdom Automatic Enrolment, Funding and Minimum Funding Requirement, Savings
According to research from Royal London, graduates earning an average salary who opt out of their workplace pension, so that they can repay their student debt more quickly, are at risk of accumulating a pension pot £75,000 lower in today’s prices than those who do not opt out.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Jul 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

6C1110184   Click here to contact the authors.
 
Don’t Chase Risky Income in Retirement
Royal London Policy Paper 22
Royal London
16 Jun 2018 United Kingdom Investment - Performance, Savings
Royal London's latest policy paper seeks to explain why attempting to generate high levels of natural income in a retirement pot may result in "seriously damaging consequences". According to the report, savers do not need to chase after investments with a high natural income and they would be better advised to focus on getting the risk/return trade off right by spreading investments across a range of asset classes.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Jun 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

4D1105742   Click here to contact the authors.
 
Will we ever summit the pension mountain?
Royal London Policy Paper 21
Royal London
16 May 2018 United Kingdom Automatic Enrolment, Investment - Performance, Investment - Property
Royal London has published its twenty-first policy paper, entitled "Will we ever summit the pension mountain?", which looks at how much savers need in their pension pot to avoid an uncomfortable retirement. The research found that the amount has grown in size in real terms by three quarters since 2002 from around £150,000 to £260,000. The analysis also shows that falling levels of home ownership mean that younger generations who end up having to pay rent in retirement could need a total pot as high as £445,000 to avoid a slump in living standards when they stop work.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> May 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

411100183   Click here to contact the authors.
 
Official figures show shocking disparity in pension incomes
Official figures show shocking disparity in pension incomes
Royal London
2 Apr 2018 United Kingdom Equality, Pensioners & Retirement
Analysis of HMRC figures by Royal London has highlighted disparities in pension incomes even within the same region. While the mean income for London-based pensioners is £18,400 per year, this average ranges such from £37,900 in the City of London to just £12,800 in Barking and Dagenham.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Apr 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

F7109268C   Click here to contact the authors.
 
'New analysis reveals 'shocking surge' in gender gap in retirement incomes'
'New analysis reveals 'shocking surge' in gender gap in retirement incomes'
Royal London
26 Mar 2018 United Kingdom Equality
Analysis by Royal London of the DWP's Pensioner Income Series has revealed a growth in the gap between the retirement incomes of men and women. In 2006/07, the average retired single woman had a gross income of £294 per week and the average retired single man had a gross income of £325 per week, a gap of £31 per week. In 2016/17, this gap had nearly trebled to £85, with the average retired single woman now on £316 per week whilst the average retired single man is on £401 per week.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Mar 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

681091536   Click here to contact the authors.
 
Survey reveals employers open to pension contribution step ups alongside pay rises
Survey reveals employers open to pension contribution step ups alongside pay rises
Royal London
22 Mar 2018 United Kingdom Occupations/Industry Sectors, Savings
Royal London has published the results of a survey carried out by Harris Research on its behalf which looked at the views of more than 300 UK employers on workplace pensions and their plans for the future. It found that 77% of employers consider workplace pensions to be an 'important benefit', but only 6% believe that they bear the main responsibility to encourage workplace saving.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Mar 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

C2109038D   Click here to contact the authors.
 
Will Britain take the next pension contribution increase in its stride?
Royal London Policy Paper 20
Royal London
Mar 2018 United Kingdom Automatic Enrolment
Royal London has published its twentieth policy paper, entitled "Will Britain take the next pension contribution increase in its stride?", which looks at the first phase of automatic enrolment and the mandatory contribution rates rise to a combined 5% in April 2018 and to a combined 8% in April 2019. The paper argues that these rises will not lead to a rush to opt out of workplace pensions as a number of factors will combine to keep pension scheme membership at a high level.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Mar 2018 or click here (this link will not work in all circumstances). For further information about Perspective click here.

D2108833F   Click here to contact the authors.
 
The Millennial Mosaic - Pensions Through the Ages
The Millennial Mosaic - Pensions Through the Ages
Royal London
1 Nov 2017 United Kingdom Automatic Enrolment, Savings
Royal London has conducted research among 1,500 millennials (aged 25-34) to understand the key influences on millennials’ future long-term pension savings. The research found that auto-enrolment is popular among millennials, with 71% deciding to not opt-out after being enrolled and a further 8% saying that they initially opted out but went back in.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Nov 2017 or click here (this link will not work in all circumstances). For further information about Perspective click here.

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