UNIVERSITIES AND COLLEGES RETIREMENT SAVINGS SCHEME

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "UNIVERSITIES AND COLLEGES RETIREMENT SAVINGS SCHEME"

Transcription

1 UNIVERSITIES AND COLLEGES RETIREMENT SAVINGS SCHEME PENSIONS PEOPLE VALUE FROM MERCER

2 MERCER DC AND SAVINGS PENSIONS PEOPLE VALUE, WHATEVER THEIR PRIORITIES IN LIFE You employ different people with widely differing aspirations, attitudes, and priorities. So how can you engage all of them in thinking seriously about the value of pensions and savings? Mercer s strategic and collaborative approach to workplace pensions and savings is designed to help ensure that employees outcomes are at the centre of pension provision by creating pensions people value. Pensions and savings aren t just about personal finances they are about people as individuals and employees. Effectively managed, pensions and savings can help to motivate your people and ensure that they continue to contribute to the success of your business. This is why Mercer has created a single team combining a wide range of pensions and savings experts. Dedicated to ensuring that all of your employees understand, value, and appreciate their pensions and savings benefits, our people want to ensure your people are able to retire at a time that is right for them and you.

3 INTRODUCING THE UNIVERSITIES AND COLLEGES RETIREMENT SAVINGS SCHEME The Universities and Colleges Retirement Savings Scheme (UCRSS) is a defined contribution (DC) scheme for the higher and further education sector. It is a centrally arranged scheme, established under a Framework Agreement with Advanced Procurement for Universities and Colleges Limited. UCRSS is available to employers that are members of one of the following Procurement Consortia: Advanced Procurement for Universities and Colleges (APUC). Southern Universities Purchasing Consortia (SUPC). London Universities Purchasing Consortia (LUPC). North East Universities Purchasing Consortia (NEUPC). North West Universities Purchasing Consortia (NWUPC). Higher Education Purchasing Consortia Wales (HEPCW). Universities and colleges may choose to join for the following reasons: Auto-enrolment compliance purposes (for those that have not yet staged). Replacement of an existing auto-enrolment scheme. As an offering for staff not eligible for an existing defined benefit (DB) scheme. Replacement of an existing DC scheme. An alternative scheme offering for staff. Mercer has a long, established relationship with the sector and has designed the scheme to offer state-of-the-art functionality, strong governance, and competitive pricing all designed with your employees outcomes in mind. UCRSS is fully flexible; universities and colleges decide for whom UCRSS will be made available and the contribution rates they wish to pay. KEY FEATURES UCRSS is delivered through the Mercer Master Trust a pooled pension scheme with economies of scale that enable employers to reduce their operational and governance costs (compared to operating individual schemes). The scheme combines: A genuinely independent trustee. Access to Mercer s best DC investment ideas and thinking making funds available that are designed to enhance and optimise returns and balance risk while keeping charges at a competitive level. Built-in operational governance with regular monitoring and review against service standards, clear accountability, and penalties for non-performance. A full open-market retirement option as the final step in delivering better retirement incomes for employees. Scheme administration via Friends Life, which is authorised and regulated by the Financial Conduct Authority. Ongoing scheme governance by Mercer, which is also authorised by the Financial Conduct Authority. A competitive structure, as UCRSS has been able to use the bulk-buying power of multiple universities and colleges and Mercer to secure a competitive deal, reflecting the scale of a sector-wide scheme. 1

4 BENEFITS FOR UNIVERSITIES AND COLLEGES UCRSS is centrally established through a Framework Agreement and is fully approved for use throughout the Higher Education Sector. The Scheme was chosen as a result of an extensive public sector tender exercise. It enables universities and colleges to place a direct call off with Mercer under the Framework Agreement without the need for individual institutions to conduct their own market reviews or procurement exercises, saving significant amounts of money and time. Individual Institutions choose their contribution rates and their employees and, subject to fulfilling the eligibility and entry requirements of other schemes they participate in, offer entry of UCRSS to any part of their workforce. UCRSS is designed to be fully compliant with autoenrolment legislation. UCRSS ADDRESSES KEY ISSUES RAISED BY THE PENSIONS REGULATOR TPR S SIX ELEMENTS Appropriate contribution decisions* Appropriate investment decisions Efficient and effective administration Protection of assets Value for money Appropriate decumulation decisions CAN THE MERCER SOLUTION HELP? * The Mercer UCRSS solution provides tools and education to support member contribution decisions. Contribution levels are at the discretion of the employer, subject to statutory duties. Competitive terms are available. Mercer s oversight of governance and quality of service delivery aims to ensure that UCRSS will offer terms and services in line with the market and will swiftly resolve any issues that might arise. UCRSS is adaptable and has built-in future-proofing with administration provided through Friends Life, a leading UK DC pension provider. Established terms and conditions, negotiated with APUC on behalf of the Sector. 2

5 HOW UCRSS WORKS UCRSS uses the core elements of an independent trustee, Friends Life s administration, and Mercer s governance and best ideas in DC investment. INDEPENDENT TRUSTEE MERCER FRIENDS LIFE INDEPENDENT TRUSTEE Mercer has appointed BESTrustees one of the UK s leading independent trustees. BESTrustees is an experienced, well-resourced, and totally independent trustee. There is no Mercer representation on the Master Trust board, reducing potential for conflicts of interest. BESTrustees was chosen following a rigorous selection exercise, which focused on high-governance principles. Critically, BESTrustees has genuine power to act in the interest of members in relation to both administration and investment. BESTrustees will: Ensure that the trust meets high standards of governance and operations. Ensure that the administrators deliver high-quality services to employers. Appoint professional advisors to provide the trustee with advice and auditing services. FRIENDS LIFE Mercer undertook a detailed process to identify a best in class administrator. Friends Life s services include administration, communication, tools, education, and investment solutions. Friends Life will act as the first point of contact for you and your employees, providing member and investment recordkeeping and front-line support via a dedicated helpline and website. Recognising that member understanding is a critical issue, Friends Life will also provide interactive tools and information for your members to aid this and support their decision-making as they plan for retirement. MERCER GOVERNANCE Friends Life s pension and administration services are overlaid with Mercer investment and operational governance services. UCRSS uses Mercer s solution to provide administration, communication, and investment services to members. Delivery of the solution is through the Mercer team, which also acts as the interface between administrators and the trustee, manages the administrators and their adherence to service-level agreements, and ensures that the solution is continually developed in line with best-market practices. ACCESS TO MERCER S BEST IDEAS IN DC INVESTMENT Mercer s award-winning investment team uses Mercer s continuously evolving best practice DC investment framework of diversified growth and targeted retirement date funds. This means that investment options reflect best market practice and ideas and are future-proofed as they continue to evolve with Mercer s best thinking. Apply for accreditation (including Pension Quality Mark) and ensure that the Mercer Master Trust complies with pension regulation. 3

6 4 WHY MERCER? Mercer has ongoing appointments to provide pensions and related advice to numerous higher education clients, including many of the largest pension schemes in the sector and dozens of universities across the country. Mercer is the market leader in advising the sector on pensions and benefits issues and has developed a reputation for quality and sector-specific service delivery. Our understanding of the higher education sector s pension environment enables us to provide advice that is appropriate to the needs of the sector, bearing in mind each university s particular circumstances.

7 5

8 To find out more about UCRSS, or for answers to specific questions about the solution, please contact Argentina Australia Austria Belgium Brazil Canada Chile Colombia Denmark Finland France Germany Hong Kong India Indonesia Ireland Italy Japan Mainland China Malaysia Mexico Netherlands New Zealand Norway Peru Philippines Poland Portugal Saudi Arabia Singapore South Africa South Korea Spain Sweden Switzerland Taiwan Thailand Turkey United Arab Emirates United Kingdom United States Venezuela Issued in the United Kingdom by Mercer Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England No Registered office: 1 Tower Place West, Tower Place, London, EC3R 5BU. Copyright 2014 Mercer LLC. All rights reserved RE

UNIVERSITIES AND COLLEGES RETIREMENT SAVINGS SCHEME THE INVESTMENT SOLUTION

UNIVERSITIES AND COLLEGES RETIREMENT SAVINGS SCHEME THE INVESTMENT SOLUTION This brochure is for professional use only. Published August 2014. UNIVERSITIES AND COLLEGES RETIREMENT SAVINGS SCHEME THE INVESTMENT SOLUTION PENSIONS PEOPLE VALUE FROM MERCER MERCER DC AND SAVINGS PENSIONS

More information

Pension plan governance and management

Pension plan governance and management Pension plan governance and management Mercer Pension plan governance Pension and management plan governance and management Ever since the Pensions Act 2004 took effect, most trustee boards have faced

More information

LEISURE TRAVEL INSURANCE

LEISURE TRAVEL INSURANCE LEISURE TRAVEL INSURANCE B LEISURE TRAVEL INSURANCE Mercer Marsh Benefits has established a preferred provider solution for leisure travel insurance. Following a comprehensive market review, Crispin Speers

More information

SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS IN CANADA

SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS IN CANADA HEALTH WEALTH CAREER SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS IN CANADA KEY FINDINGS FROM THE MERCER SERP DATABASE (2014 UPDATE) APRIL 2015 b CONTENTS 1. Introduction...2 2. Highlights of the Mercer SERP

More information

MERCER S COMPENSATION ANALYSIS AND REVIEW SYSTEM AN ONLINE TOOL DESIGNED TO TAKE THE WORK OUT OF YOUR COMPENSATION REVIEW PROCESS

MERCER S COMPENSATION ANALYSIS AND REVIEW SYSTEM AN ONLINE TOOL DESIGNED TO TAKE THE WORK OUT OF YOUR COMPENSATION REVIEW PROCESS MERCER S COMPENSATION ANALYSIS AND REVIEW SYSTEM AN ONLINE TOOL DESIGNED TO TAKE THE WORK OUT OF YOUR COMPENSATION REVIEW PROCESS MERCER S COMPENSATION ANALYSIS AND REVIEW SYSTEM www.imercer.com/cars Mercer

More information

Foreign Taxes Paid and Foreign Source Income INTECH Global Income Managed Volatility Fund

Foreign Taxes Paid and Foreign Source Income INTECH Global Income Managed Volatility Fund Income INTECH Global Income Managed Volatility Fund Australia 0.0066 0.0375 Austria 0.0045 0.0014 Belgium 0.0461 0.0138 Bermuda 0.0000 0.0059 Canada 0.0919 0.0275 Cayman Islands 0.0000 0.0044 China 0.0000

More information

EXECUTIVE REWARDS THE MERCER ADVANTAGE

EXECUTIVE REWARDS THE MERCER ADVANTAGE EXECUTIVE REWARDS THE MERCER ADVANTAGE EXECUTIVE REWARDS THE MERCER ADVANTAGE The executive rewards and governance landscape is increasingly complex. Scrutiny abounds from shareholders, proxy advisers,

More information

E X E C U T I V E R E W A R D S

E X E C U T I V E R E W A R D S W H E A LT H W E A LT H C A R E E R E X E C U T I V E R E W A R D S T H E M E R C E R A D V A N T A G E The executive rewards and governance landscape is increasingly complex. Scrutiny abounds from shareholders,

More information

World Consumer Income and Expenditure Patterns

World Consumer Income and Expenditure Patterns World Consumer Income and Expenditure Patterns 2014 14th edi tion Euromonitor International Ltd. 60-61 Britton Street, EC1M 5UX TableTypeID: 30010; ITtableID: 22914 Income Algeria Income Algeria Income

More information

ESG PRACTICES FOR PASSIVELY MANAGED EQUITY STRATEGIES SEPTEMBER 2014

ESG PRACTICES FOR PASSIVELY MANAGED EQUITY STRATEGIES SEPTEMBER 2014 ESG PRACTICES FOR PASSIVELY MANAGED EQUITY STRATEGIES SEPTEMBER 2014 EXECUTIVE SUMMARY Mercer s ESG (environmental, social and governance) ratings have generally been well-integrated into the manager research

More information

Number of retail outlets Number of retail outlets

Number of retail outlets Number of retail outlets Number 65708 of retail outlets Number of retail outlets Number of retail outlets Trends in total number of retail outlets 2002-2007 number / as stated number per million Table 2.3 % growth inhabitants

More information

Tble Home Team Visiting Team Home Team Visiting Team Home Team Visiting Team. Open Qualification Group A. 1st Round 2nd Round 3rd Round

Tble Home Team Visiting Team Home Team Visiting Team Home Team Visiting Team. Open Qualification Group A. 1st Round 2nd Round 3rd Round Open Qualification Group A 14th WORLD BRIDGE GAMES OPEN SERIES Group A 1 Netherlands Mexico Chile Netherlands Netherlands Denmark 2 Saudi Arabia Bosnia & Hrzna Switzerland Jordan Spain Germany 3 Korea

More information

BT Premium Event Call and Web Rate Card

BT Premium Event Call and Web Rate Card BT Managed Event and BT Self-Managed Event (also referred to as Express, Plus and Premium) Conference Bridge and Call for Booked Audio Conferencing Services will comprise the following for each phone-conference:

More information

Cross-border Executive Search to large and small corporations through personalized and flexible services

Cross-border Executive Search to large and small corporations through personalized and flexible services Cross-border Executive Search to large and small corporations through personalized and flexible services In-depth local knowledge of each job market as well as reliable information on compensation, industry

More information

A BETTER RETIREMENT PORTFOLIO FOR MEMBERS IN DC INVESTMENT DEFAULTS

A BETTER RETIREMENT PORTFOLIO FOR MEMBERS IN DC INVESTMENT DEFAULTS A BETTER RETIREMENT PORTFOLIO FOR MEMBERS IN DC INVESTMENT DEFAULTS JUNE 2014 TALENT HEALTH RETIREMENT INVESTMENTS EXECUTIVE SUMMARY The majority of defined contribution (DC) plan members typically end

More information

GLOBAL HRMONITOR NEW DIMENSIONS IN ONLINE HR INFORMATION TALENT HEALTH RETIREMENT INVESTMENTS

GLOBAL HRMONITOR NEW DIMENSIONS IN ONLINE HR INFORMATION TALENT HEALTH RETIREMENT INVESTMENTS GLOBAL HRMONITOR NEW DIMENSIONS IN ONLINE HR INFORMATION TALENT HEALTH RETIREMENT INVESTMENTS DISCOVER MERCER S GLOBAL HRMONITOR ABOUT GLOBAL HRMONITOR Mercer s Global HRMonitor is a single-source, web-based

More information

Appendix 1: Full Country Rankings

Appendix 1: Full Country Rankings Appendix 1: Full Country Rankings Below please find the complete rankings of all 75 markets considered in the analysis. Rankings are broken into overall rankings and subsector rankings. Overall Renewable

More information

2015 Global Survey of Accounting Assumptions for Defined Benefit Plans. Executive Summary

2015 Global Survey of Accounting Assumptions for Defined Benefit Plans. Executive Summary 2015 Global Survey of Accounting Assumptions for Defined Benefit Plans Executive Summary Executive Summary In broad terms, accounting standards aim to enable employers to approximate the cost of an employee

More information

MAUVE GROUP GLOBAL EMPLOYMENT SOLUTIONS PORTFOLIO

MAUVE GROUP GLOBAL EMPLOYMENT SOLUTIONS PORTFOLIO MAUVE GROUP GLOBAL SOLUTIONS PORTFOLIO At Mauve Group, we offer a variety of complete employee management services such as Global Employment Solutions (GES), Professional Employment Outsourcing (PEO),

More information

Total Domestic Factoring FCI 594, , , , , , , %

Total Domestic Factoring FCI 594, , , , , , , % Accumulative Turnover Figures for All FCI Members Compared to Worldwide Factoring Turnover (in Millions of EUR and USD) EUR EUR EUR EUR EUR EUR EUR INCREASE 2006 2007 2008 2009 2010 2011 2012 2011/2012

More information

ENDOWMENT & FOUNDATION GOVERNANCE: FIDUCIARY OVERSIGHT AND IMPLEMENTATION MAY 2013

ENDOWMENT & FOUNDATION GOVERNANCE: FIDUCIARY OVERSIGHT AND IMPLEMENTATION MAY 2013 ENDOWMENT & FOUNDATION GOVERNANCE: FIDUCIARY OVERSIGHT AND IMPLEMENTATION MAY 2013 WHAT IS FIDUCIARY GOVERNANCE AND WHY IS IT IMPORTANT? Fulfillment of fiduciary responsibilities requires more than understanding

More information

WORKFORCE ENGAGEMENT IN SAUDI ARABIA WHAT S WORKING FOR SAUDI NATIONALS AND WHAT EMPLOYERS NEED TO KNOW

WORKFORCE ENGAGEMENT IN SAUDI ARABIA WHAT S WORKING FOR SAUDI NATIONALS AND WHAT EMPLOYERS NEED TO KNOW WORKFORCE ENGAGEMENT IN SAUDI ARABIA WHAT S WORKING FOR SAUDI NATIONALS AND WHAT EMPLOYERS NEED TO KNOW Forget the old cliché of a comfortable secure job with a corner desk in a government office. Saudi

More information

Guide to Treatment of Withholding Tax Rates

Guide to Treatment of Withholding Tax Rates Guide to Treatment of Withholding Tax Rates Contents 1. Introduction 1 1.1. Aims of the Guide 1 1.2. Withholding Tax Definition 1 1.3. Double Taxation Treaties 1 1.4. Information Sources 1 1.5. Guide Upkeep

More information

Global Effective Tax Rates

Global Effective Tax Rates www.pwc.com/us/nes Global s Global s April 14, 2011 This document has been prepared pursuant to an engagement between PwC and its Client. As to all other parties, it is for general information purposes

More information

SEPTEMBER 2012 TALENT ASSESSMENT IN M&A THE PEOPLE FACTOR

SEPTEMBER 2012 TALENT ASSESSMENT IN M&A THE PEOPLE FACTOR SEPTEMBER 2012 TALENT ASSESSMENT IN M&A THE PEOPLE FACTOR It is critical to assess the target company s human capital with the same rigor that s applied toward assessing pension liabilities, inventories,

More information

Reporting practices for domestic and total debt securities

Reporting practices for domestic and total debt securities Last updated: 4 September 2015 Reporting practices for domestic and total debt securities While the BIS debt securities statistics are in principle harmonised with the recommendations in the Handbook on

More information

The Path Forward. International Women s Day 2012 Global Research Results

The Path Forward. International Women s Day 2012 Global Research Results The Path Forward International Women s Day 2012 Global Research Results Research objectives Accenture conducted its global research study, The Path Forward for release on International Women s Day to gain

More information

Why Invest in International Now?

Why Invest in International Now? July 2015 As of the end of June 2015 over 62% of the weight of the world stock market capitalization consisted of non-u.s. companies. The largest companies in many industries are in fact internationally

More information

Global AML Resource Map Over 2000 AML professionals

Global AML Resource Map Over 2000 AML professionals www.pwc.co.uk Global AML Resource Map Over 2000 AML professionals January 2016 Global AML Resources: Europe France Italy Jersey / Guernsey 8 Ireland 1 Portugal 7 Luxembourg 5 United Kingdom 1 50 11 Spain

More information

MERCER INVESTMENTS BELIEFS

MERCER INVESTMENTS BELIEFS MERCER INVESTMENTS BELIEFS DRAFT Every investor has unique objectives. Our proprietary tools, breadth of expertise, global scale, and decades of experience will help you towards yours. After over 40 years

More information

CLUB SURVEY 2015 BANKING ARGENTINA

CLUB SURVEY 2015 BANKING ARGENTINA CLUB SURVEY 2015 BANKING ARGENTINA BANKING CLUB SURVEY 2015 THE KEY TO DEVELOPING COMPETITIVE BANKING INDUSTRY-SPECIFIC COMPENSATION & BENEFITS PACKAGES With the objective of satisfying the needs of HR

More information

DIVERSITY & INCLUSION: AN ASIA PACIFIC PERSPECTIVE EXECUTIVE SUMMARY

DIVERSITY & INCLUSION: AN ASIA PACIFIC PERSPECTIVE EXECUTIVE SUMMARY DIVERSITY & INCLUSION: AN ASIA PACIFIC PERSPECTIVE EXECUTIVE SUMMARY In the current business and economic environment, diversity is a key driver of innovation and is becoming increasingly critical for

More information

GENDER PAY EQUITY IN FRANCE ARE WE DEALING WITH THE RIGHT ISSUES? A MERCER/VEOLIA RESPONSE

GENDER PAY EQUITY IN FRANCE ARE WE DEALING WITH THE RIGHT ISSUES? A MERCER/VEOLIA RESPONSE GENDER PAY EQUITY IN FRANCE ARE WE DEALING WITH THE RIGHT ISSUES? A MERCER/VEOLIA RESPONSE GENDER PAY EQUITY IN FRANCE ARE WE DEALING WITH THE RIGHT ISSUES? A MERCER/VEOLIA RESPONSE Even though legislation

More information

MAUVE GROUP GLOBAL EMPLOYMENT SOLUTIONS PORTFOLIO

MAUVE GROUP GLOBAL EMPLOYMENT SOLUTIONS PORTFOLIO MAUVE GROUP GLOBAL SOLUTIONS PORTFOLIO At Mauve Group, we offer a variety of complete employee management services such as Global Employment Solutions (GES), Professional Employment Outsourcing (PEO),

More information

The big pay turnaround: Eurozone recovering, emerging markets falter in 2015

The big pay turnaround: Eurozone recovering, emerging markets falter in 2015 The big pay turnaround: Eurozone recovering, emerging markets falter in 2015 Global salary rises up compared to last year But workers in key emerging markets will experience real wage cuts Increase in

More information

AA BOND CO LIMITED. (a public limited company incorporated in Jersey with registered no ) (the "Issuer")

AA BOND CO LIMITED. (a public limited company incorporated in Jersey with registered no ) (the Issuer) AA BOND CO LIMITED (a public limited company incorporated in Jersey with registered no. 112992) (the "Issuer") NOTE: THIS NOTICE CONTAINS IMPORTANT INFORMATION THAT IS OF INTEREST TO THE LEGAL AND BENEFICIAL

More information

DC Fee Management Mitigating Fiduciary Risk and Maximizing Plan Performance. A Mercer US Point of View

DC Fee Management Mitigating Fiduciary Risk and Maximizing Plan Performance. A Mercer US Point of View DC Fee Management Mitigating Fiduciary Risk and Maximizing Plan Performance A Mercer US Point of View Participants in defined contribution (DC) plans rely heavily on plan sponsors and fiduciaries to design

More information

OCTOBER 2010. Russell-Parametric Cross-Sectional Volatility (CrossVol ) Indexes Construction and Methodology

OCTOBER 2010. Russell-Parametric Cross-Sectional Volatility (CrossVol ) Indexes Construction and Methodology OCTOBER 2010 Russell-Parametric Cross-Sectional Volatility (CrossVol ) Indexes Construction and Methodology SEPTEMBER 2010 Russell-Parametric Cross-Sectional Volatility (CrossVol) Indexes Construction

More information

EMEA BENEFITS BENCHMARKING OFFERING

EMEA BENEFITS BENCHMARKING OFFERING EMEA BENEFITS BENCHMARKING OFFERING COVERED COUNTRIES SWEDEN FINLAND NORWAY ESTONIA R U S S I A DENMARK LITHUANIA LATVIA IRELAND PORTUGAL U. K. NETHERLANDS POLAND BELARUS GERMANY BELGIUM CZECH REP. UKRAINE

More information

USAGE OF METRICS AND ANALYTICS IN EMEA MOVING UP THE MATURITY CURVE

USAGE OF METRICS AND ANALYTICS IN EMEA MOVING UP THE MATURITY CURVE USAGE OF METRICS AND ANALYTICS IN EMEA MOVING UP THE MATURITY CURVE USAGE OF METRICS AND ANALYTICS IN EMEA MOVING UP THE MATURITY CURVE When we asked business executives about the importance of human capital

More information

2015 Growth in data center employment continues but the workforce is changing

2015 Growth in data center employment continues but the workforce is changing Published in Conjunction with MARKET BRIEFING GLOBAL DATA CENTER EMPLOYMENT 2015 2015 Growth in data center employment continues but the workforce is changing Globally, the number of people working in

More information

Health Care Reform: The Question of Essential Benefits. The third report in Mercer s ongoing series of topical surveys on health reform

Health Care Reform: The Question of Essential Benefits. The third report in Mercer s ongoing series of topical surveys on health reform Health Care Reform: The Question of Essential Benefits The third report in Mercer s ongoing series of topical surveys on health reform Why a survey on essential benefits? Essential health benefits make

More information

2016 Edelman Trust Barometer The State of Trust

2016 Edelman Trust Barometer The State of Trust 2016 Edelman Trust Barometer The State of Trust Methodology General Online Population 5 years in 25+ markets Ages 18+ 1,150 respondents per country Online Survey in 28 Countries 16 years of data 33,000+

More information

OUTLOOK2016 Media Cost Forecasts. November 2015

OUTLOOK2016 Media Cost Forecasts. November 2015 OUTLOOK2016 Media Cost Forecasts November 2015 Introduction All network media agencies and media auditors invited to submit cost forecasts for 2016 and actuals for 2015; 46 markets covered across 7 media

More information

AVOIDING BUSINESS RISK: THE HIDDEN BENEFIT OF SOFTWARE AS A SERVICE

AVOIDING BUSINESS RISK: THE HIDDEN BENEFIT OF SOFTWARE AS A SERVICE AVOIDING BUSINESS RISK: THE HIDDEN BENEFIT OF SOFTWARE AS A SERVICE AVOIDING BUSINESS RISK: THE HIDDEN BENEFIT OF SOFTWARE AS A SERVICE Software as a Service (SaaS) is now the predominant architecture

More information

360 o View of. Global Immigration

360 o View of. Global Immigration 360 o View of Global Immigration In a fast moving global economy, remaining compliant with immigration laws, being informed and in control is more challenging than ever before. We are a globally linked

More information

MULTI-ASSET STRATEGIES REDEFINING THE UNIVERSE APRIL 2014

MULTI-ASSET STRATEGIES REDEFINING THE UNIVERSE APRIL 2014 MULTI-ASSET STRATEGIES REDEFINING THE UNIVERSE APRIL 2014 INTRODUCTION Loved by many, reviled by others, multi-asset strategies are undeniably a key feature of the investment landscape. In the US they

More information

Transfer Pricing. ICPAK Tax Training. April 2016

Transfer Pricing. ICPAK Tax Training. April 2016 Transfer Pricing ICPAK Tax Training April 2016 Presentation Outline 1 2 3 4 5 6 Introduction to transfer pricing TP methods and comparables Documentation Advance Pricing Agreements Emerging issues Q &

More information

First Time, Right Time: The Power of Pension Outsourcing

First Time, Right Time: The Power of Pension Outsourcing First Time, Right Time: The Power of Pension Outsourcing Mercer and Chatham Partners Pension Administration Survey 2011 Contents Key findings... 2 About the research... 3 Pressing issues... 4 Barriers

More information

Logix5000 Clock Update Tool V2.00.36. 12/13/2005 Copyright 2005 Rockwell Automation Inc., All Rights Reserved. 1

Logix5000 Clock Update Tool V2.00.36. 12/13/2005 Copyright 2005 Rockwell Automation Inc., All Rights Reserved. 1 Logix5000 Clock Update Tool V2.00.36. 1 Overview Logix5000 Clock Update Tool 1. 1. What is is it? it? 2. 2. How will it it help me? 3. 3. How do do I I use it? it? 4. 4. When can I I get get it? it? 2

More information

SunGard Best Practice Guide

SunGard Best Practice Guide SunGard Best Practice Guide What Number Should I Use? www.intercalleurope.com Information Hotline 0871 7000 170 +44 (0)1452 546742 conferencing@intercalleurope.com Reservations 0870 043 4167 +44 (0)1452

More information

Sources of Global CO 2 Emissions ( , Direct Emissions by Sector Only) Intergovernmental Panel on Climate Change (IPCC)

Sources of Global CO 2 Emissions ( , Direct Emissions by Sector Only) Intergovernmental Panel on Climate Change (IPCC) "World energy consumption" by Construct - BP Statistical Review of World Energy 2015 Sources of Global CO 2 Emissions (1970-2004, Direct Emissions by Sector Only) Intergovernmental Panel on Climate Change

More information

THE UK FILM MARKET AS A WHOLE. BFI Research and Statistics PUBLISHED DECEMBER Image: The Lady in the Van courtesy of Sony Pictures

THE UK FILM MARKET AS A WHOLE. BFI Research and Statistics PUBLISHED DECEMBER Image: The Lady in the Van courtesy of Sony Pictures THE UK FILM MARKET AS A WHOLE BFI Research and Statistics PUBLISHED DECEMBER 2015 Image: The Lady in the Van courtesy of Sony Pictures THE UK FILM MARKET AS A WHOLE THE UK WAS THE SECOND LARGEST FILM MARKET

More information

Cisco Phone Systems Telemarketing Script Cold Call

Cisco Phone Systems Telemarketing Script Cold Call Cisco Phone Systems Telemarketing Script Cold Call 1. Locate Contact: Name listed Owner General Manager / Office Manager Chief BDM (Business Decision Maker) Note: Avoid talking to IT since this is not

More information

Global Index Briefing: MSCI Forward P/Es

Global Index Briefing: MSCI Forward P/Es Global Index Briefing: MSCI Forward P/Es October, Dr. Ed Yardeni -972-73 eyardeni@ Joe Abbott 732-497- jabbott@ Mali Quintana 4-4-1333 aquintana@ Please visit our sites at www. blog. thinking outside the

More information

2012 Country RepTrak Topline Report

2012 Country RepTrak Topline Report 2012 Country RepTrak Topline Report The World s View on Countries: An Online Study of the Reputation of 50 Countries RepTrak is a registered trademark of Reputation Institute. Global Reputation Knowledge

More information

E-Seminar. Financial Management Internet Business Solution Seminar

E-Seminar. Financial Management Internet Business Solution Seminar E-Seminar Financial Management Internet Business Solution Seminar Financial Management Internet Business Solution Seminar 3 Welcome 4 Objectives 5 Financial Management 6 Financial Management Defined 7

More information

Configuring DHCP for ShoreTel IP Phones

Configuring DHCP for ShoreTel IP Phones Configuring DHCP for ShoreTel IP Phones Network Requirements and Preparation 3 Configuring DHCP for ShoreTel IP Phones The ShoreTel server provides the latest application software and configuration information

More information

CNE Progress Chart (CNE Certification Requirements and Test Numbers) (updated 18 October 2000)

CNE Progress Chart (CNE Certification Requirements and Test Numbers) (updated 18 October 2000) Novell Education CNE Progress Chart (CNE Certification Requirements and Test Numbers) (updated 18 October 2000) Prerequisite for all certifications In order to receive a Novell certification the candidate

More information

CISCO USED EQUIPMENT SERVICE POLICY FREQUENTLY ASKED QUESTIONS

CISCO USED EQUIPMENT SERVICE POLICY FREQUENTLY ASKED QUESTIONS Q & A CISCO USED EQUIPMENT SERVICE POLICY FREQUENTLY ASKED QUESTIONS Q. What is the Cisco definition of used equipment? A. Cisco defines used equipment as previously owned equipment, now owned by a party

More information

BROWN BROTHERS HARRIMAN (LUXEMBOURG) S.C.A. Wells Fargo (Lux) Worldwide Fund

BROWN BROTHERS HARRIMAN (LUXEMBOURG) S.C.A. Wells Fargo (Lux) Worldwide Fund Argen na CITIBANK, N.A. BUENOS AIRES BRANCH Australia Austria HSBC BANK AUSTRALIA LIMITED FOR THE HONGKONG AND SHANGHAI DEUTSCHE BANK AG, VIENNA BRANCH Belgium DEUTSCHE BANK AG, AMSTERDAM BRANCH Brazil

More information

Region Country AT&T Direct Access Code(s) HelpLine Number. Telstra: 1 800 881 011 Optus: 1 800 551 155

Region Country AT&T Direct Access Code(s) HelpLine Number. Telstra: 1 800 881 011 Optus: 1 800 551 155 Mondelēz International HelpLine Numbers March 22, 2013 There are many ways to report a concern or suspected misconduct, including discussing it with your supervisor, your supervisor s supervisor, another

More information

Clinical Trials. Local Trial Requirements

Clinical Trials. Local Trial Requirements Clinical Trials Clinical trials insurance covers the legal liabilities of the insured in respect of clinical trials for bodily injury arising from the trial. The coverage provided by Newline is on the

More information

KINGDOM OF CAMBODIA NATION RELIGION KING 3

KINGDOM OF CAMBODIA NATION RELIGION KING 3 KINGDOM OF CAMBODIA NATION RELIGION KING 3 TOURISM STATISTICS REPORT February 2016 MINISTRY OF TOURISM Statistics and Tourism Information Department No. A3, Street 169, Sangkat Veal Vong, Khan 7 Makara,

More information

YTD 2015-27 CS AWARDS IN AMERICAS

YTD 2015-27 CS AWARDS IN AMERICAS YTD 2015-27 CS AWARDS IN AMERICAS Argentina Bolivia Brazil Frontline Customer Service Team of the Year, All Industries (Bronze) Customer Service Department of the Year, Airlines, Distribution & Transportation

More information

Waterpark Lines World Report

Waterpark Lines World Report Brochure More information from http://www.researchandmarkets.com/reports/1837057/ Waterpark Lines World Report Description: This report provides Market Consumption/Products/Services for 100 countries by

More information

Senate Committee: Education and Employment. QUESTION ON NOTICE Budget Estimates 2015-2016

Senate Committee: Education and Employment. QUESTION ON NOTICE Budget Estimates 2015-2016 Senate Committee: Education and Employment QUESTION ON NOTICE Budget Estimates 2015-2016 Outcome: Higher Education Research and International Department of Education and Training Question No. SQ15-000549

More information

GLOBAL LEADERSHIP DEVELOPMENT EXECUTIVE SUMMARY

GLOBAL LEADERSHIP DEVELOPMENT EXECUTIVE SUMMARY GLOBAL LEADERSHIP DEVELOPMENT EXECUTIVE SUMMARY IT S TIME LEADERSHIP CAUGHT UP WITH GLOBAL GROWTH STRATEGIES Due to corporate growth pressures, companies are implementing globalization strategies at an

More information

GfK PURCHASING POWER INTERNATIONAL

GfK PURCHASING POWER INTERNATIONAL GfK PURCHASING POWER INTERNATIONAL 1 Agenda 1. Europe 3 2. Americas 45 3. Asia & Near East 54 4. Afrika 66 5. Australia 68 6. Overview of countries and available levels 70 2 2 EUROPE 4 GfK

More information

BABTA. Hotel Industry Trends and Hot Topics. August 20, Advito

BABTA. Hotel Industry Trends and Hot Topics. August 20, Advito August 20, 2015 BABTA Hotel Industry Trends and Hot Topics Industry trends & forecasts 2 2016 Industry Forecast Hotel North America +4% to 6% Europe +1% to 3% Latin America +4% to 6% Middle East -1% to

More information

List of tables. I. World Trade Developments

List of tables. I. World Trade Developments List of tables I. World Trade Developments 1. Overview Table I.1 Growth in the volume of world merchandise exports and production, 2010-2014 39 Table I.2 Growth in the volume of world merchandise trade

More information

GE Grid Solutions. Providing solutions that keep the world energized Press Conference Call Presentation November 12, 2015. Imagination at work.

GE Grid Solutions. Providing solutions that keep the world energized Press Conference Call Presentation November 12, 2015. Imagination at work. GE Grid Solutions Providing solutions that keep the world energized Press Conference Call Presentation November 12, 2015 Press Conference Call Recording: Toll Free: +1 (855) 859-2056 Toll: +1 (404) 537-3406

More information

Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country.

Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country. Aon Hewitt Country Profiles Your eguide to employment requirements and practices Profiles for nearly 90 countries worldwide Risk. Reinsurance. Human Resources. Know the Facts Whether you are a newcomer

More information

Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment

Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment OVERVIEW Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment Rising medical

More information

FOREIGN EXCHANGE RATES - DATE: January 31, 2016

FOREIGN EXCHANGE RATES - DATE: January 31, 2016 FOREIGN EXCHANGE RATES - DATE: January 31, 2016 BALANCE SHEET INCOME STATEMENT COUNTRY CURRENCY CURRENT RATE YTD AVERAGE ARGENTINA 0.0720 0.0734 AUSTRALIA 0.7084 0.7008 BRAZIL REAL 0.2500 0.2467 BRITAIN

More information

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50.

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50. Overall Results Climate Change Performance Index 2012 Table 1 Rank Country Score** Partial Score Tendency Trend Level Policy 1* Rank Country Score** Partial Score Tendency Trend Level Policy 21 - Egypt***

More information

Career Capital 2014 Global Research Results

Career Capital 2014 Global Research Results Career Capital 2014 Global Research Results International Women s Day 2014 1 Research Objectives Accenture conducted its global research study, Career Capital for release on International Women s Day to

More information

Triple-play subscriptions to rocket to 400 mil.

Triple-play subscriptions to rocket to 400 mil. Triple-play criptions to rocket to 400 mil. Global triple-play criptions will reach 400 million by 2017; up by nearly 300 million on the end-2011 total and up by 380 million on the 2007 total, according

More information

Motion Graphic Design Census. 10 hrs. motiongraphicdesigncensus.org. 9 hrs.

Motion Graphic Design Census. 10 hrs. motiongraphicdesigncensus.org. 9 hrs. 8 h 2010 Motion Graphic Design Census 10 hrs. motiongraphicdesigncensus.org 9 hrs. A Note on the Survey. First, let me apologize for the delay in getting this actually done and out to you. I bit off much

More information

MANDATORY PROVIDENT FUND SCHEMES AUTHORITY

MANDATORY PROVIDENT FUND SCHEMES AUTHORITY Guidelines III.4 MANDATORY PROVIDENT FUND SCHEMES AUTHORITY III.4 Guidelines on Approved Exchanges INTRODUCTION Section 2 of the Mandatory Provident Fund Schemes (General) Regulation ( the Regulation )

More information

The Future Demographic

The Future Demographic The Future Demographic Global Population Trends and Forecasts to 2030 3rd edition Euromonitor In ter na tional Ltd, 60-61 Britton Street, Lon don EC1M 5UX Euromonitor International 2012 www.euromonitor.com

More information

Supported Payment Methods

Supported Payment Methods Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not only the major credit

More information

opinion piece Eight Simple Steps to Effective Software Asset Management

opinion piece Eight Simple Steps to Effective Software Asset Management opinion piece Eight Simple Steps to Effective Software Asset Management Contents Step 1: Collate your licence agreements 01 Step 2: Determine your actual licence position 01 Step 3: Understand your existing

More information

The Role of Banks in Global Mergers and Acquisitions by James R. Barth, Triphon Phumiwasana, and Keven Yost *

The Role of Banks in Global Mergers and Acquisitions by James R. Barth, Triphon Phumiwasana, and Keven Yost * The Role of Banks in Global Mergers and Acquisitions by James R. Barth, Triphon Phumiwasana, and Keven Yost * There has been substantial consolidation among firms in many industries in countries around

More information

Sulfuric Acid 2013 World Market Outlook and Forecast up to 2017

Sulfuric Acid 2013 World Market Outlook and Forecast up to 2017 Brochure More information from http://www.researchandmarkets.com/reports/2547547/ Sulfuric Acid 2013 World Market Outlook and Forecast up to 2017 Description: Sulfuric Acid 2013 World Market Outlook and

More information

Global Economic Briefing: Global Inflation

Global Economic Briefing: Global Inflation Global Economic Briefing: Global Inflation August 7, Dr. Edward Yardeni -97-7 eyardeni@ Debbie Johnson -- djohnson@ Mali Quintana -- aquintana@ Please visit our sites at www. blog. thinking outside the

More information

What have you got in mind?

What have you got in mind? What have you got in mind? Instituto Superior Técnico EIM10 Frederico Machado Jorge Maria João Almeida José Pedro Marques 10 de Fevereiro de 2010 2010 Towers Watson. All rights reserved. What to expect

More information

THE WORLD S LEADING CAR DESIGN MAGAZINE

THE WORLD S LEADING CAR DESIGN MAGAZINE THE WORLD S LEADING CAR DESIGN MAGAZINE DISTRIBUITED IN MORE THAN 60 COUNTRIES EUROPE: Austria, Belgium, Cyprus, Denmark, Finland, France, Germany, United Kingdom, Greece, Ireland, Iceland, Italy, Latvia,

More information

Doing Business in Australia and Hong Kong SAR, China

Doing Business in Australia and Hong Kong SAR, China Doing Business in Australia and Hong Kong SAR, China Mikiko Imai Ollison Private Sector Development Specialist Nan Jiang Private Sector Development Specialist Washington, DC October 29, 2013 What does

More information

Supported Payment Methods

Supported Payment Methods Sell Globally in a Snap Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not

More information

GLOBAL DATA CENTER INVESTMENT 2013

GLOBAL DATA CENTER INVESTMENT 2013 2013 CENSUS REPORT: Global Data Center Investment 2013 GLOBAL DATA CENTER INVESTMENT 2013 2013 - Healthy Growth in Data Center Investment Globally Globally, the data center industry has continued to maintain

More information

Market Briefing: Trade-Weighted Dollar

Market Briefing: Trade-Weighted Dollar Market Briefing: Trade-Weighted Dollar August 16, 2016 Dr. Edward Yardeni 516-972-7683 eyardeni@ Debbie Johnson 4-664-1333 djohnson@ Mali Quintana 4-664-1333 aquintana@ Please visit our sites at blog.

More information

COFFEE MARKET REPORTS Selection Compiled by The Specialty Coffee Association of America

COFFEE MARKET REPORTS Selection Compiled by The Specialty Coffee Association of America CONTENTS GLOBAL.................. 1 OCEANA.................... 13 AFRICA.................. 4 THE AMERICAS................ 14 Middle Africa Caribbean Northern Africa Central America Southern Africa Latin

More information

Cisco IOS Public-Key Infrastructure: Deployment Benefits and Features

Cisco IOS Public-Key Infrastructure: Deployment Benefits and Features Data Sheet Cisco IOS Public-Key Infrastructure: Deployment Benefits and Features Introduction to Public Key Infrastructure Public Key Infrastructure (PKI) offers a scalable method of securing networks,

More information

Global Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840

Global Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840 Below is a list of Global Access Numbers, in order by country. If a Country has an AT&T Direct Number, the audio conference requires two-stage dialing. First, dial the AT&T Direct Number. Second, dial

More information

Credit & Debit Card Payments. Factsheet

Credit & Debit Card Payments. Factsheet Credit & Debit Card Payments Factsheet Contents 1. Card Types... 2 2. Supported countries... 2 3. First Funding via Credit / Debit Card... 3 4. Transaction Currencies... 4 5. Currency Conversion... 4 6.

More information

HAS BRAZIL REALLY TAKEN OFF? BRAZIL LONG-RUN ECONOMIC GROWTH AND CONVERGENCE

HAS BRAZIL REALLY TAKEN OFF? BRAZIL LONG-RUN ECONOMIC GROWTH AND CONVERGENCE HAS BRAZIL REALLY TAKEN OFF? BRAZIL LONG-RUN ECONOMIC GROWTH AND CONVERGENCE COUNTRY PROFILE: A COUNTRY IN TRANSFORMATION POLICY RECOMENDATIONS COUNTRY PROFILE Brazilian Equivalent Population in The World

More information

Introducing Clinical Trials Insurance Services Ltd

Introducing Clinical Trials Insurance Services Ltd Introducing Clinical Trials Insurance Services Ltd Important Staff Richard Kelly Managing Director Richard joined CTIS in 2006 having previously managed the Pharmaceutical wholesale division at Heath Lambert

More information

Cisco Opportunity Incentive Program Question & Answer

Cisco Opportunity Incentive Program Question & Answer Question & Answer Cisco Channel Incentive Program Cisco Opportunity Incentive Program Question & Answer Revised April 13, 2004 Section 1: General Overview 1. What is the Cisco Opportunity Incentive Program?

More information

International Recruitment vs. National Recruitment. Rolf Heeb. AIMS International

International Recruitment vs. National Recruitment. Rolf Heeb. AIMS International International Recruitment vs. National Recruitment Rolf Heeb AIMS International CONTENT 1. Introduction 2. Definitions 3. Considerations in International Recruitment 4. Global Executive Search Firms 5.

More information