Expert views.

Hear from our team of experts, providing their latest views, opinions and knowledge on group pensions and, in particular, auto enrolment.

Tim Kehoe on certification
Some employers wish to make their contributions for their employees based on their first pound earned.  To allow this there are three alternative tests, which can be used by employers to certify that they meet the contribution requirements.

Tim Kehoe on salary sacrifice and auto enrolment
Employers can offer salary sacrifice as a voluntary means of joining their qualifying pension scheme. In fact there could be potential savings for them and their workers if they do so.

Tim Kehoe on auto enrolment - contributions
Qualifying schemes for auto enrolment can offer different terms to those that are offered by existing employer schemes.

Tim Kehoe on the changes to FSA code of business (COBs)
The FSA have amended their COBs to account for opting out of auto enrolment.

Michelle Parker on the importance of advance planning
The whole ethos of the pensions reform is to encourage 7 million people to plan the income they would need to support themselves in retirement and start saving as early as possible.

Tim Kehoe on the breakdown of workers for auto enrolment
Paul Weller’s song “Changing man” contains some insightful lyrics, “The more I know – the less I understand”. That sums up how some may feel about auto enrolment.

Important note
These expert insights provide the views of our auto enrolment team. The views are the opinion of the experts and don't necessarily represent the views of Legal & General. They are based on their interpretation of industry developments and their current understanding of UK proposed and actual legislation, and should not be interpreted as recommendations or advice.

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