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Geplaatst op 28-04-2017 03:17
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Dempster Turns Down $25M From Red Sox - RealGM Wiretap The Red Sox made a two-year adidas supercolor femme rose pale , $25 million offer to Ryan Dempster, but the pitcher and his agent rejected it, according to a source. Dempster is believed to be seeking a three-year deal and is being courted by the Cubs and Brewers. He also turned down a two-year, $26 million offer from the Royals, according to a source. Pension Predictions For 2014 | A Finance Article After a busy year in the world of pensions with new pension stories hitting the industry almost every week adidas nmd runner primeknit , 2014 won鈥檛 be any different according to Towers Watson. The firm believes there will be some key trends during 2014. Risk transfer transactions - You ain鈥檛 seen nothin鈥?yet Off the back of the biggest year ever for bulk annuity and longevity swap transactions in 2013, we expect that volumes will grow further in 2014. This will be driven by both the steady increases in the number of schemes exploring these markets and by a number of large schemes which are contemplating 锟絤ega deals鈥? The glass ceiling of around 1bn for bulk annuity deals (which existed since the Cable & Wireless transaction in 2008) was chipped by recent transactions including the 1.5bn buyout of the EMI scheme, but will be smashed by significantly larger deals in 2014. Longevity hedges are also set to get supersized, made possible by the innovative structures being used to facilitate risk transfer to the reinsurance market. Sadie Hayes, transaction specialist at Towers Watson adidas nmd pas cher , said: 锟組any of the UK鈥檚 largest pension schemes have been watching the bulk annuity market and longevity swap markets develop in recent years and 2014 will be the year that many of these schemes choose to get involved. While for some it will be a toe in the water, others are looking to dive in.锟? DC charge cap 锟?it鈥檚 coming It looks inevitable that charges in DC schemes will be capped. The Government鈥檚 consultation is about how to cap them, not whether to cap them, while the Prime Minister has already tweeted that 锟絯e鈥檙e capping pension charges鈥? Will Aitken, senior DC consultant at Towers Watson said: 锟絋he Regulatory Policy Committee said the DWP鈥檚 impact assessment was not 锟絝it for purpose鈥?because of the assumption that charging people less would not cost providers anything. Putting a proper number on the cost to providers may make it harder for DWP to hit its deregulatory targets but we don鈥檛 expect it to derail the policy. 锟絎hat鈥檚 not clear is how worried the Government is about making providers revisit existing schemes during the automatic enrolment capacity crunch. Steve Webb鈥檚 recent suggestion of a cap that falls over time might be designed to ease that tension.锟? Automatic enrolment 锟?different employers adidas nmd acheter , same story on opt-out rates Automatic enrolment will enter a new phase. At the end of 2013, only firms with 500 or more staff were implementing automatic enrolment; by May 2014, firms with as few as 90 staff will start to comply1. Will Aitken said: 锟紸lthough smaller employers are more likely to limit contributions to the minimum levels required by law and might put less effort into communications, we expect opt-out rates to remain very low. More of the employees being enrolled this year will be people who never previously had access to an employer contribution but would have signed up to join a scheme if one was available.锟? DB scheme reviews to trigger more closures With the clock ticking before National Insurance rebates disappear in April 2016, employers who still have staff building up new entitlements to defined benefit pensions will start deciding what to do. They have three options: swallow the cost adidas nmd runner noir , pass it to employees by reshaping benefits or raising contributions, or just shut the scheme down. John Ball, UK head of pensions at Towers Watson said: 锟絋he defined ambition agenda might give employers more flexibility over how they reshape benefits but scheme closure will start as the favourite in many boardrooms.锟? Pension Protection Fund levy changes to create winners and losers The levy invoices that some employers receive from the PPF this year will be affected by changes to how their risk of insolvency is assessed. Joanne Shepard, senior consultant at Towers Watson said: 锟絋he PPF鈥檚 decision to use Experian instead of D&B to grade employers will not affect levy bills until 201516. However, two changes are being made this year that will also create winners and losers. D&B is changing how it produces 锟絝ailure scores鈥?in time to affect the last two or three of the 12 monthly scores that will feed into the 201415 levy and the PPF has changed the way in which parental overrides impact the PPF failure score. Where either of these changes push an employer from one levy band to another yeezy boost 350 gris clair , it could have a significant effect on how much they have to pay. 锟? DB funding Shoring up pension benefits promised in the past remains a major challenge for employers, with recent analysis suggesting that this helps explain the slow wage growth seen in recent years. John Ball said: 锟絋he rules of the game will change in 2014, with the Regulator being given a new objective to 锟絤inimise any adverse impact on the sustainable growth of an employer鈥? The Regulator has also outlined a new approach to regulating scheme funding that puts more focus on the cash going into schemes. Some employers may be disappointed that the Regulator has not tilted its public statements further in their favour but how it polices funding agreements in practice will be more important than what it has said. 锟絎e expect more use of asset-backed funding, which can be a 锟絯in-win鈥?solution where the asset provides real security in the event of employer insolvency. Some employers and trustees who decided not to be trailblazers for this approach at their last valuation will be more comfortable with it now. When approaches start to become mainstream, they can get a mo. |
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