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7 steps to protect finances from whatever the Budget holds Budget speculation season has started after Chancellor John Healey last week announced that he will hold his inaugural Budget on 28 October 2026. AJ Bell has warned that speculation around pension tax relief and tax-free cash can force people into making expensive mistakes. Seven sure-fire steps you can take ahead of the Budget – with no regrets Posted in: Investment - Articles Posted on: Tuesday Aug 4

August 2026 Edition of the Actuarial Post Magazine Our cover story is from long time contributor to the magazine Dale Critchley from Aviva who examines how you can insure your health, insure your home and car and even your life but how can you insure an income in retirement. We also have Mark Francis from the FCA and Simon Nixon from the PRA on increasing resilience across an interlinked financial system. Plus, PMI members Joe Moore and Julia Yates discussing Virgin Media -what now for pension schemes. Posted in: Articles Posted on: Tuesday Aug 4

Smaller pensions continue to seize buy-in opportunities Small defined benefit pension schemes are continuing to benefit from favourable conditions in the bulk annuity market, with well-prepared schemes increasingly able to secure competitive buy-in transactions, according to Quantum Advisory. Posted in: Pensions - Articles Posted on: Tuesday Aug 4

Pensions IHT ripple effect 22% have less trust in pensions New research shows over a fifth (22%) of adults have less confidence in pensions due to the upcoming pensions IHT change. However, official figures show around 7% of estates are expected to be financially affected in the first year of the change. Overestimation of future IHT liabilities poses risk to retirement income: individuals in their mid-20s could lose out on £5,014 at retirement from pausing pension contributions for just one year – rising to £24,715 for a 5-year contribution break. Posted in: Investment - Articles Posted on: Tuesday Aug 4

Pension engagement rising but retirement decisions difficult Regular reviewing of pensions has risen from 38% in 2024 to 45% in 2026, while the proportion who never review their pension fell from 21% to 11% overall, according to new member research from TPT. Active members were also more likely to change their target retirement age, rising from 11% to 16%, and to look into investments or investment choices, increasing from 16% to 24%. However, among members aged 50+, 47% did not know whether they planned to take a lump sum. Among those not taking all their pension in one go, just over half, 52%, were uncertain what they would do with the remainder. Posted in: Pensions - Articles Posted on: Tuesday Aug 4

Unlock value through conversational intelligence Insurance companies still struggle to unlock value from unstructured data, especially customer conversations. In this Swiss Re expert insight, Marco Spagnuolo, Head Conversational AI Solution, explains how AI-powered Conversation Intelligence transforms call centre audio into structured data. This allows insurers to increase operational productivity, improve customer experience, and strengthen risk management by identifying patterns, monitoring complaints, and detecting potential fraud. AI is already changing how insurers turn everyday interactions into actionable risk insights. Posted in: Articles Posted on: Monday Aug 3

Tax charges on pension savers surge 22% Private pension statistics from HM Revenue & Customs last week showed that both the number of charges against the pensions annual allowance (AA) and the value of contributions in excess of the AA, reported via self-assessment (SA), increased significantly between 2023/24 and 2024/25: Posted in: Investment - Articles Posted on: Monday Aug 3

Average claim for subsidence hits record £20k in hot weather New figures from the ABI’s latest Property Insurance Tracker show home insurers paid out £72 million for domestic subsidence claims during the second quarter of 2026, with the average subsidence claim reaching a record £20,000. The average payout is more than £2,000 higher than in the same period last year, highlighting both the growing cost of subsidence and the vital protection insurance provides for homeowners. Posted in: General Insurance Article Posted on: Monday Aug 3

Forces driving the institutionalisation of wealth management Wealth management is becoming increasingly institutionalised. We examine the key trends driving this shift and what it means for firms and clients. Wealth management has always sat apart from other parts of financial services. Pension schemes exist for one main reason: to provide income in retirement. Insurance transfers risk. Asset management focuses on generating returns for a given level of risk. Wealth management, by contrast, has never had a single job. Posted in: Articles Posted on: Monday Aug 3

The life moments dashboards will matter most Nearly half of pensions professionals expect dashboards to be used primarily at key life moments such as retirement or job changes, according to new polling from WTW. The findings point to a decisive shift away from continuous engagement towards more targeted, event-driven use. Posted in: Pensions - Articles Posted on: Monday Aug 3

Touching records on both sides of the pond Richard Hunter, Head of Markets at interactive investor, commented “US markets ended a rollercoaster month on a high, as investors looked through rising bond yields and persistent AI spending concerns. Posted in: Investment - Articles Posted on: Monday Aug 3

Aviva completes £300m buy-in with Elementis Group Pension Aviva has completed a £300 million bulk purchase annuity buy-in with the Trustee of Elementis Group Pension Scheme, securing the benefits of 4,500 members. The transaction covers defined benefit liabilities and enables a subset of members to access additional voluntary contributions as a primary source of tax-free cash through Aviva’s integrated DB&C Master Trust solution. Posted in: Investment - Articles Posted on: Monday Aug 3

PPI publish their Pensions Primer for 2026 The Pensions Policy Institute (PPI) is delighted to announce the launch of the latest edition of the UK Pensions Primer 2026/27 – our comprehensive annual guide to the UK pensions system. Posted in: Pensions - Articles Posted on: Monday Aug 3

IHT impacting higher proportion of families HMRC's latest Inheritance Tax liabilities statistics show that 4.72% of UK deaths resulted in an Inheritance Tax (IHT) charge in 2023/24. It marks an increase compared with 4.62% in 2022/23. Posted in: Investment - Articles Posted on: Monday Aug 3

TPR accepting applications for multi-employer CDC schemes Applications to The Pensions Regulator for multi-employer Collective Defined Contribution (CDC) pension schemes open today, marking an important milestone in the development of CDC pensions and the next stage in their availability across the UK pensions market. Posted in: Pensions - Articles Posted on: Friday Jul 31

Comment on CDC authorisation from TPR Commenting on the opening of CDC authorisation from TPR, Paul Waters, Head of DC Markets, Hymans Robertson, said: “The opening of the authorisation process for multi-employer whole of life CDC schemes is a major and welcome milestone. Posted in: Pensions - Articles Posted on: Friday Jul 31

What does Europes record wildfire season signal to insurers Within a single week in July, France recorded its most devastating wildfire outbreak in at least half a century; Spain recorded the largest wildfire in its modern history. A fire in Portugal that briefly ranked as Europe’s largest of 2026 held that title for roughly three weeks. Significant fires are also burning in Greece and countries in the Balkans. Records are not simply being broken this season; they are being broken in succession. Posted in: Articles Posted on: Friday Jul 31

Scale is a clear differentiator in workplace pensions More than half (51%) of advisers believe scale is an increasingly important differentiator between workplace pension providers; just 8% disagree. Only 11% believe smaller providers can compete effectively with larger schemes. However, a quarter (25%) say scale delivers operational advantages, but not necessarily better retirement outcomes. Just 9% believe increasing provider scale directly improves member outcomes Posted in: Pensions - Articles Posted on: Friday Jul 31

Advice on affects of wildfires in Suffolk and across the UK With a major incident in Suffolk declared following a wildfire which broke out on Dunwich Heath, and a number of additional active wildfires across the UK, the ABI shares advice for anyone affected. Posted in: General Insurance Article Posted on: Friday Jul 31

Getting the balance right on SSAS transfers Pension scams remain a significant concern for regulators, trustees and pension providers. As the Department for Work and Pensions (DWP) considers further safeguards around pension transfers, it is important that measures designed to protect consumers do not inadvertently restrict legitimate retirement planning opportunities. As one of the UK's longest-established SSAS providers, we welcome efforts to strengthen protections against pension scams and fraudulent transfers. Posted in: Articles Posted on: Thursday Jul 30

Record £3.2 bn paid out to support motor insurance customers Insurers paid out a record £3.2 billion to support motor insurance customers in Q2 2026, according to the latest data from the ABI. This was 5% higher than the previous quarter, and 7% more than the same period last year. Posted in: General Insurance Article Posted on: Thursday Jul 30

Pension withdrawals up £3.8bn risking unsustainable drawdown HMRC have released its annual private pension statistics, revealing that pension withdrawals continue to rise, now exceeding £124.7 billion since flexibility changes were introduced in 2015. Posted in: Pensions - Articles Posted on: Thursday Jul 30

Inheritance tax liabilities hit record ahead of IHT reforms In 2023/24 we paid a record £7.03 billion in inheritance tax. This is up £0.33 billion (5%) in a year – partly because of frozen tax thresholds and rising asset values. 4.72% of UK deaths led to an IHT bill – up 0.10 percentage points in a year. This is the highest level since the all-time peak of 5.96% in 2006-07. There were 30,400 IHT-paying estates – a decrease of 3.6% in a year. Posted in: Investment - Articles Posted on: Thursday Jul 30

4 reasons why smart doorbells may raise home insurance risk Millions of Brits installed smart doorbells last year with a 5000% surge in searches for the security system compared to this time last year. But expert advice shows fancy tech could be doing more harm than good - if homeowners aren’t careful. Posted in: General Insurance Article Posted on: Thursday Jul 30

2025/26 taxable flexible payments from pensions hit £22.4bn The latest HMRC data published this morning finds that the total value of taxable payments withdrawn flexibly from pensions since pension freedoms was introduced in 2015 has exceeded £124.7 billion Posted in: Pensions - Articles Posted on: Thursday Jul 30

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