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Client Services for Governments, Regulators & Insurers

Haines Global Pensions works with governments, regulators and insurers to improve pension provision and design new pension products. Haines Global Pensions brings 30 years’ experience and deep knowledge of pension systems and legislative changes around the world. Our CEO has previously been seconded to the UK Pensions Regulator, participated in EIOPA Working Parties, and spoken at pension conferences around the world. In 2024, he was a keynote speaker on the topic of Collective Defined Contribution at an industry forum in South Africa.

Haines Global Pensions provide four key services to Governments, Regulators & Insurers

1Information, research and analysis on global pension trends
2Leading of one-off actuarial projects
3International pensions support
4Secondments and short-term contract work

Questions for Governments, Regulators & Insurers

We want people to have better pensions at retirement - what are the global trends in this area, and what could we change locally?

Policy makers are regularly looking at retirement ages, saving rates, quality standards, and auto-enrolment mechanisms to improve local pension provision locally. There’s also increased focus on improving financial literacy to help people understand financial matters, including pensions. Many individuals don’t want to make complex decisions about pensions: they simply want a decent income at retirement. I recently spoke at an industry event in South Africa on this very topic. Contact Haines Global Pensions to find out more on how we can help you in this area.

We keep hearing good things about pensions in certain countries - are there any other countries that do things just as good or even better, or indeed don’t do things as well as others suggest?

We have detailed knowledge and I have 30 years experience of pension arrangements in different countries and understand the good, the bad, and the ugly of different systems. I’ve advised in many countries and lived in good pensions countries, such as Sweden and the Netherlands. We use this experience to really help our clients understand what’s going on around the world. Contact us at Haines Global Pensions to find out more.

People are living longer - what could we offer to help them achieve better retirement outcomes, and what can we learn from other countries?

A big challenge in the coming years is whether people have enough income at retirement and whether there are better ways of providing this. There’s been a big focus on helping people save, but there needs to be more focus now on helping people get the right pension at retirement. I believe something like Collective Defined Contribution plans have a role in many countries. Contact us to find out how Haines Global Pensions can help in this area.

Case studies and testimonials...

Colin has a strong interest in pensions in Africa. In August 2024, Colin was a keynote international speaker at an industry thought leadership forum run by major African provider Old Mutual. The event was attended by government officials, regulators, employers and pension funds. He partnered with senior management at Old Mutual, and other local advisory firms, and spoke about trends in global pension provision, especially the new developments in Collective Defined Contribution in the UK, Netherlands and elsewhere. The audience was extremely interested in UK developments, and Colin noted that there is a lot that other countries could learn about South Africa’s own approach to pensions, including recent 2-pots legislative reforms.

Colin was seconded to the UK Pensions Regulator to lead a major high-profile government-sponsored project and to assess the impact of introducing Solvency II-style capital requirements on UK and European Union pension funds. Colin led the UK actuarial modelling work (including calculations for all 5,000+ UK pension schemes). presented at UK industry stakeholder discussion groups and represented the UK at EIOPA Working Parties. The reports showed the UK pension liabilities would push up UK pension liabilities by up to £400bn. Partly due to the size of the figures, the European Union abandoned plans to implement the reforms. The UK government at the time said it would harm businesses’ abilities to invest, grow and create jobs, and put more pension schemes at risk.