How are savers responding to the new pensions freedoms introduced by the government, where can they get advice and what part do employers play in this changing landscape? Expert articles explore the issue
Pensions freedoms
Download the PDF Roundtable – Pensions freedoms or read online here
Summer 2015 Budget analysis
Following the Summer 2015 Budget, Scottish Widows highlighted the key changes that could affect you and your employees.
Legislative updates
These legislative updates from Scottish Widows help to keep you informed about recent changes to pensions law, regulation and guidance. These changes may affect you, your pension scheme or your scheme members.
Legislative update – February 2014
Legislative update – August 2014
Legislative update – November 2014
Legislative update – February 2015
Keeping up to date on these changes from time to time can help you when reviewing your pension arrangements. This will allow you to be confident that your pension scheme will continue to meet your needs and is capable of delivering value for money and a good outcome for your employees.
Workplace pensions reform
Automatic enrolment – employer information
Automatic enrolment – employer considerations
To help you prepare your business for Automatic Enrolment, Scottish Widows have brought together some of our learnings and experiences from employers who have already automatically enrolled their employees.
Automatic enrolment – employer considerations
Automatic enrolment factsheets
Automatic enrolment factsheet 1 – Pay reference periods
Automatic enrolment factsheet 2 – Opting out
Automatic enrolment factsheet 3 – Postponement
Automatic enrolment factsheet 4 – Alternative contribution bases
Automatic enrolment factsheet 5 – Using salary exchange with automatic enrolment
Automatic enrolment factsheet 6 – Groups of companies
Automatic enrolment factsheet 7 – Workers
Automatic enrolment factsheet 8 – Opting in and joining
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