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Five years on from the start of the cost-of-living crisis CPI jumped from 2% in July 2021 to 3.2% in August 2021. From there it kept climbing, kick-starting the cost-of-living crisis. Cumulative inflation has driven up prices by around 28% in five years. What has the cost-of-living crisis meant for wages, pension incomes, savings, mortgages and annuity rates five years on? Posted in: Investment - Articles Posted on: Thursday Aug 13

Human rights risks: the implications for long-term investors Human rights can feel difficult to discuss in an investment context, because they concern how people are treated, protected and valued. While human rights violations raise important ethical considerations, a question for asset owners is the extent to which these issues are also financially material. In this article, we explore how human rights failures can contribute to litigation, regulatory penalties, operational disruption, reputational damage and other consequences that may affect the long-term value of investments. Posted in: Articles Posted on: Thursday Aug 13

Royal London complete buyin with Royal Horticultural Society Royal London has completed a c.£22 million bulk purchase annuity (BPA) transaction with the Trustees of the Royal Horticultural Society 1974 Pension Scheme. Transaction secures the benefits of 230 members. Posted in: Investment - Articles Posted on: Thursday Aug 13

Growth focused pension strategy improves July 2026 funding The ‘growth focused’ scheme funding improved from 93.1% at the end of June to 94.1% by the end of July. However, the ‘matching focused’ scheme funding remains the same at 89.9%. The Broadstone Sirius Index – a monitor of how various pension scheme strategies are performing on their journeys to low dependency – posts its latest update. Posted in: Pensions - Articles Posted on: Thursday Aug 13

Taxable pension withdrawals top £75bn for under 65s Analysis of HMRC data by Lumera, finds that 2.4 million people first took a taxable flexible pension payment when they were under the age of 65, since the inception of ‘pension freedoms’ in 2015. Posted in: Pensions - Articles Posted on: Thursday Aug 13

The data gap driving up Chinese EV insurance premiums Electric vehicles (EV) now make up 30%[i] of new cars and Chinese brands 10%[ii]. Makes and models virtually unknown here five years ago are now posting serious sales numbers with the Jaecoo 7 breaking into the top five best-selling car brands in the country[iii]. With fuel costs elevated and household budgets under sustained pressure, affordable EVs from Chinese manufacturers are becoming an increasingly attractive option for UK consumers. Posted in: Articles Posted on: Wednesday Aug 12

Two thirds expect to rely on the state pension in retirement Two thirds of people admit they will rely on the state pension ‘to some extent’ in retirement. Almost one-in ten say they will be totally dependent on the benefit. Almost one in five say they will be heavily reliant on it. 14% of people say they are unsure. Women (68%) say they are more reliant on state pension than men (64%). Building up your pension is the best way to reduce dependence on the state pension and give you flexibility when you decide to retire. Posted in: Pensions - Articles Posted on: Wednesday Aug 12

Reforms vital to guard pensions in divorce and cohabitation The Society of Pension Professionals (SPP) has submitted its response to the Ministry of Justice consultation, “A fairer end to relationships”, calling for the modernisation of how pension assets are treated on the breakdown of marriages and cohabiting relationships. Posted in: Pensions - Articles Posted on: Wednesday Aug 12

Retirement adequacy increasingly a business planning risk Employers risk being caught out by rising costs and workforce planning challenges if they fail to address retirement adequacy, warns Hymans Robertson. Posted in: Pensions - Articles Posted on: Wednesday Aug 12

Healthcare cash plans still top in FCA’s GI value measures Broadstone analysis of the FCA’s latest General Insurance Value Measures data for 2025 found that 68.1% of healthcare cash plan premiums were paid out in claims. Despite a small downtick from 68.7% in 2024, it marks the highest proportion of any general insurance line of business detailed by the FCA. The claims acceptance rate for healthcare cash plans also decreased slightly from 92.8% to 91.1% year-on-year. Healthcare cash plans retain top spot in FCA’s insurance value measures Posted in: General Ins - Latest News Posted on: Wednesday Aug 12

2015: The growing challenge of heat in Europe's cities The 2015 European heatwave highlighted the human and economic costs of extreme heat. WRN-supported research explores parametric finance and nature-based solutions to help cities adapt. In the summer of 2015, an atmospheric omega block settled over Europe and refused to move. These slow-moving high-pressure systems trap hot air like a lid, letting temperatures build for days or weeks. Across much of western Europe, temperatures climbed 7°C above seasonal norms. In Britain alone, more than 9,200 deaths were attributed to the heat. Posted in: Articles Posted on: Tuesday Aug 11

15 of the most common SIPP questions answered Self-invested personal pensions (SIPPs) have been around since 1990, but have evolved over that time. They offer a huge range of investment options and real flexibility – and there’s also a Junior SIPP for children under the age of 18. However, there are some rules you need to get to grips with around allowances, how you withdraw from a SIPP, employer contributions, and what happens after you die. AJ Bell has looked at and answered some of the most common SIPP questions people have asked in the past year, based on data from Google Search Console, Semrush and Peec AI Posted in: Pensions - Articles Posted on: Tuesday Aug 11

Industry comments on latest PPF7800 Index for July 2026 Broadstone and Gallagher comment on the aggregate surplus of the 4,838 schemes in the PPF 7800 Index improved through July 2026, increasing by £7.3 billion to reach £271.3bn (end of June: £264.0 billion) in surplus. Over the past year, the aggregate surplus has risen by £34.1bn. The funding ratio also grew by 1.9pp from 131.1% to 133.0% at the end of July, while the number of schemes in surplus saw a small increase to 3,821 representing nearly four in five (79.0%) of all schemes in the universe. Posted in: Pensions - Articles Posted on: Tuesday Aug 11

First Actuarial appoints four new partners First Actuarial, a Gallagher Company, has promoted four of its outstanding professionals to partner. They are Marcos Abreu, Andrew Allsopp, Carl Fletcher and Scott Harrison. Posted in: Lifestyle Article Posted on: Tuesday Aug 11

PIC complete buyin with Royal Society of Chemistry Pension Pension Insurance Corporation plc (“PIC”), has concluded an £83 million full buy-in with The Royal Society of Chemistry Pension Scheme (“Scheme”), securing the benefits of all 468 Scheme members. Posted in: Investment - Articles Posted on: Tuesday Aug 11

PPF publish latest PPF7800 Index figures for July 2026 This update provides the latest estimated funding position, based on adjusting the scheme valuation data supplied to The Pensions Regulator as part of the schemes’ annual scheme returns, on a section 179 (s179) basis, for the defined benefit pension schemes potentially eligible for entry to the Pension Protection Fund (PPF). Posted in: Pensions - Articles Posted on: Tuesday Aug 11

Benign H1 of 2026 masks rising natural catastrophe risk Global insured natural catastrophe losses in first half of 2026 estimated at USD 42 billion, lowest first-half total since 2020. Severe convective storms remained the biggest insured-loss driver at an estimated USD 28 billion, below long-term trend. June's record heat and persistent dry conditions set the stage for an active European wildfire season Posted in: General Insurance Article Posted on: Tuesday Aug 11

Expert backed AI earns pension savers trust Almost one in three (30%) people trust AI tools to help with their pension. Eight out of 10 of them (80%) trust AI from regulated financial experts, Almost a third (31%) would take AI-based information on big financial decisions to a financial adviser and one in four (24%) would speak to their pension provider Posted in: Pensions - Articles Posted on: Tuesday Aug 11

Women continue to lag behind men in workplace pension saving Average female employee contributed £310 less into their workplace pension in 2025 than male employee. Female employees missing out on £12,400 in contributions over 40 year career. Employers can play a key role in improving retirement outcomes for women by encouraging pension saving throughout careers Posted in: Pensions - Articles Posted on: Tuesday Aug 11

Swiss Re announce two senior appointments in Life & Health Swiss Re have announced the appointments of Damien Bartlett as Head of Market Unit Life & Health UK and Ireland and Middle East and Africa and Karen Tan as Chief Underwriting Officer for L&H Re Posted in: Lifestyle Article Posted on: Monday Aug 10

Six months on: the investment outlook revisited What happens when you revisit your market forecasts after six months of relentless headlines? In this episode, Tessa Mann and Rhys Simons look back at the views they shared in their Global Investment Outlook 2026 and assess how those predictions have held up. Together, they discuss what played out as expected, what caught them off guard and how everything from geopolitical developments to the rise of AI-driven markets has influenced the investment landscape so far this year. Guided by listener questions, the discussion looks beyond the headlines to examine what really matters for long-term investors and what trustees should be watching as the rest of 2026 unfolds. Posted in: Articles Posted on: Monday Aug 10

FCA review to drive higher standards in growing MPS market Daniel Nilsson, Senior Portfolio Manager at Isio Investment Management, comments on the FCA’s ongoing review of the Model Portfolio Service (MPS) market: “As the FCA's review of the Model Portfolio Service (MPS) market continues, the focus on governance, oversight, value for money and investment propositions has become increasingly important. Posted in: Investment - Articles Posted on: Monday Aug 10

The impact of the tech correction on EM allocation AI has been the dominant driver in markets this year. For Emerging Markets, this has played out in an extraordinary demand for those stocks that produce the ‘picks and shovels’ of the AI gold rush. Memory chip manufacturers have been in the vanguard of this rally. The recent correction has been a reminder that this historically cyclical business is still sensitive to the supply/demand dynamic. So where to next? Posted in: Investment - Articles Posted on: Monday Aug 10

Implications for Canadian P&C insurers from recent wildfires Morningstar DBRS published the August 2026 edition of "Consider Credit—Fundamental Ratings Monthly Briefing." It includes a Credit Rating Actions Dashboard and a description of our recent and anticipated credit rating considerations across Governments & Public Finance, Financial Institutions, and Corporate Finance. Posted in: General Insurance Article Posted on: Monday Aug 10

The Pension Regulator's AI plan - Accountability In last month’s article, I explored The Pensions Regulator’s (TPR’s) AI plan and what it could mean for pension schemes. The plan sets out a thoughtful approach to encouraging responsible innovation in this fast-moving area, while keeping the focus firmly on good outcomes and clear accountability for how AI is used. Over the coming articles (including this one), I’ll discuss some of the themes it raises in more detail. I’d suggest they’re probably best read in the order that I’ve written them to reflect the internal structure of TPR’s plan. Posted in: Articles Posted on: Monday Aug 10

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