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The not-so-fine print: making consumer contracts fair Sarah Montgomery, Head of department, cross-cutting policy and strategy at the FCA: How many of us read the terms and conditions of a contract before buying a financial product? Contracts hold the detail that shapes everyone's financial life, whether you're taking out a loan, insuring your holiday, or signing up for a crypto wallet. Posted in: General Insurance Article Posted on: Friday Nov 6

From blue wave to sea of red - Tech rout leads sell off Comment from Stuart Clark, portfolio manager at Quilter, on the technology-led market sell off: "The blue wave at the ballot box has quickly been replaced by a sea of red on investors’ screens. Technology stocks have sold off sharply, with the immediate catalyst appearing to be concerns around tougher AI regulation, covering both the models themselves and the vast data centre infrastructure required to support them. Posted in: Investment - Articles Posted on: Friday Nov 6

Tech sell-off spreads as AI fears deepen Wall Street's tech sell-off has spread with fears mounting that the data centre spending spree could slow just as investors question whether huge AI investments will deliver sufficient returns. The FTSE 100 is set to trade lower, despite its tech-lite make-up, as souring global sentiment, lingering inflation pressures and Middle East tensions weigh on markets. A shift towards defensive sectors could eventually offer support. South Korea's Kospi plunged more than 8%, triggering a 20-minute circuit breaker. Chipmakers Samsung Electronics and SK Hynix have been among the hardest hit, while fears of margin calls and forced selling threaten to deepen the rout. Posted in: Investment - Articles Posted on: Friday Nov 6

Comments as Bank of England raise rates to 4% Marsh, Schroders, The Exeter and MetLife comment as the Bank of England raise rates to four percent. The first rate rise in over 3 years Posted in: Investment - Articles Posted on: Thursday Nov 5

PHP - a race across the world A few weeks ago, only a relatively select group of people knew what PHP: Hypertext Pre-processor (PHP) is. Most were software engineers and web developers. Even the BBC’s cyber columnist Joe Tidy admitted he wasn’t sure, creating a fairly awkward credibility rug-pull. Whilst I completely appreciate that a health correspondent is not the same thing as a surgeon, this was like hearing someone on Top Gear say: “Cars use petrol? The smelly stuff you get at garages? Wow!” Posted in: Articles Posted on: Thursday Nov 5

Pet Insurance prices fall 14% year on year Average top-five pet insurance prices for Lifetime cover fell by -14% over the past 12 months, as sustained competition drove further reductions during the third quarter of 2026, according to Defaqto’s latest Pet Insurance Pricing Index. Prices are now -12% lower than at the start of 2026, following a fall of -6.1% during Q3. The latest figures show that June’s rebound did not develop into a sustained increase, with prices declining in each subsequent month. Posted in: General Insurance Article Posted on: Thursday Nov 5

October gilt yield fall brings funding deterioration The ‘growth focused’ scheme funding level finished October lower, reducing from 94.0% funded to 92.5%, the biggest fall in a long timeSimilarly, the ‘matching focused’ scheme funding fell back slightly, but by less, from 89.2% at the end of September to 88.7% at the end of October Posted in: Investment - Articles Posted on: Thursday Nov 5

FTSE 100 gains as Middle East tensions ease The FTSE 100 is on the front foot, helped by lower energy prices and its tech-lite, more defensive composition. Sterling has climbed to its highest level since the Brexit referendum, supported by stronger-than-expected growth, expectations of a Bank of England rate hike and signs of a rapprochement with Europe. The Bank of England is widely expected to raise interest rates by a quarter of a percentage point today, as policymakers remain concerned about inflation becoming embedded. Posted in: Investment - Articles Posted on: Thursday Nov 5

Women in pensions: How far have we come? Is pensions leading the way when it comes to supporting women in building successful careers? Harsimar Atwal is joined by Heather Boucher, Scheme Actuary at WTW, and Becky Wood, Professional Trustee at Vidett, to reflect on how the industry has changed during their careers and where there is still progress to be made. Posted in: Articles Posted on: Wednesday Nov 4

U.S. Midterms: Policy Implications of the Blue Tsunami A sweeping Democratic victory in the 2026 U.S. midterm elections has reshaped Washington's political landscape, but the research suggests the most significant economic consequence may not be policy change, but policy paralysis. Despite Democrats securing control of both chambers of Congress, bipartisan support will still be required for major legislation, increasing the likelihood of legislative gridlock, executive-legislative confrontation, and heightened scrutiny of key fiscal deadlines. Posted in: Investment - Articles Posted on: Wednesday Nov 4

Just 8% think current pools and funds denote LGPS end state Local Government Pension Scheme (LGPS) funds and pools are increasingly moving their attention from reform to implementation under the new Fit for the Future initiative, according to the 2026 annual LGPS Survey, published by Schroders in collaboration with Room151. Posted in: Pensions - Articles Posted on: Wednesday Nov 4

Significant governance gaps between small and large pensions Small pension schemes have less developed arrangements to spot and manage risks to members' savings, according to new research by The Pensions Regulator (TPR). The latest report from the regulator found only 27% of small defined contribution (DC) pension schemes have formal governance arrangements in place compared with 94% of large DC schemes and 89% of master trusts. Posted in: Pensions - Articles Posted on: Wednesday Nov 4

Higher pay not enough: 1 in 5 face retirement shortfall risk The Pensions Policy Institute (PPI), the UK's leading independent authority on pensions and retirement policy, has today published its annual update to the UK Pensions Framework, with new modelling showing a fifth (20%) of the UK working population face retirement adequacy risks despite relatively high earnings. Posted in: Pensions - Articles Posted on: Wednesday Nov 4

Poll reveals reveals industry views on retirement solutions New polling from the Society of Pension Professionals (SPP) highlights industry expectations for the future of retirement solutions and priorities for delivering better member outcomes, following its ‘Death of the DC Flight Path’ event this week. Posted in: Pensions - Articles Posted on: Wednesday Nov 4

US midterms spark political shockwaves and fears of AI rout The blue tsunami has swept away the Republican advantage in Congress, significantly weakening Trump's political authority. Democrats look set to take control of both chambers, leaving Trump facing a much more hostile Congress for the remainder of his term. Markets initially appear to be taking the result in their stride, but Asian stocks suffered losses as Democrats are likely to push for greater regulation, potentially slowing the AI juggernaut. Oil prices have been edging higher again with Brent rising back to around $104 a barrel. Posted in: Investment - Articles Posted on: Wednesday Nov 4

AI and the future of compensation: Pricing value AI is changing what work is worth faster than job titles change. Compensation leaders need to shift from pricing jobs to pricing capabilities: Rewarding the skills, judgment and impact people create with AI. That shift depends on trusted market data, consistent job structures and pay decisions they can explain and defend. For decades, compensation programs have been built around relatively stable job capabilities and structures. Organizations defined jobs, evaluated them, benchmarked them against the market and established pay levels. Posted in: Articles Posted on: Wednesday Nov 4

Comment on Government pension plans The Government has today published its Guided Retirement proposals which include plans to bring back pensions that pay an income, often inflation protected, for the entirety of retirement without the need for complex financial decisions. It is also publishing its response to the policy consultation on Retirement Collective Pension Schemes (RCPS), alongside draft regulations to enable providers to offer them as a default pension, which aims to pool risk to deliver stability and growth and providing a fully managed pension people can rely on for life. Posted in: Pensions - Articles Posted on: Tuesday Nov 3

Comments on DWP Guided Retirement Consultation Hymans Robertson, Legal and General, Standard Life and the PMI comment on the Guided retirement: policy consultation launched by DWP Posted in: Pensions - Articles Posted on: Tuesday Nov 3

Motor Insurance Shopping and Switching Trends: H1 2026 The LexisNexis® Insurance Demand Meter U.K. for H1 2026 shows that an average of 403,000 consumers shopped for motor insurance policies each day in the first half of 2026 — about 31,000 more per day than in the first half of 2025. Despite this record level of shopping activity, the proportion of policyholders who switched provider remained at around 22%, broadly in line with 2025. Posted in: General Insurance Article Posted on: Tuesday Nov 3

Resurrecting pensions for millions of private sector workers Hymans Robertson, SPP and Torsten Bell comment on the news from DWP today ‘New plans “resurrect” genuine pensions for millions of private sector workers’, Posted in: Pensions - Articles Posted on: Tuesday Nov 3

Workplace pensions must evolve for younger workers Almost half (45%) say immediate financial pressures are preventing younger workers from prioritising long-term saving. More than a third (37%) believe younger employees increasingly see a comfortable retirement as unrealistic, while 36% say they are less engaged with pensions than previous generations. More than a third (36%) say the pensions industry has not adapted quickly enough to changing workforce expectations. A third (33%) believe better financial education from a younger age could have the greatest impact on future retirement outcomes Posted in: Pensions - Articles Posted on: Tuesday Nov 3

US Midterms, oil creeps up and China moves to calm market Fresh strikes on Iran as the US mid-term elections kick off, with Trump doubling down on his foreign policy despite deep apprehension across Middle America. Oil edges higher, with Brent back above $106 a barrel, although hopes of a diplomatic breakthrough appear to be limiting gains. AI spending concerns continue to weigh on tech sentiment, with investors questioning whether the eye-watering sums being poured into infrastructure will deliver sufficient returns. Apple appears more insulated from the tech sell-off but shares were muted following its latest results showing strong iPhone sales but weaker iPad demand. China moves to calm market jitters. Posted in: Investment - Articles Posted on: Tuesday Nov 3

The cyber threat that insurance cannot simply repair Following the cyber incident involving ASOS, insurance experts Everywhen are warning that compromised customer communications can create consequences extending far beyond IT systems. Posted in: General Insurance Article Posted on: Monday Nov 2

Superfund transfers: Insights for trustees 2026 has been a record-breaking year for superfunds – with Clara completing four deals this year to date, and with the TPT Superfund announcing it has now passed TPR's assessment process, with another potential superfund provider known to currently be in assessment. There is building momentum in the superfund market, and with a total of thirteen schemes now having transferred to Clara, eight of which were advised by LCP. Six of these schemes were in respect of the recent Marelli transfer, but each scheme had its own considerations. Posted in: Articles Posted on: Monday Nov 2

L&G secures £240m full buyin with United Glass Pension Plan Legal and General Assurance Society Limited (“L&G”) today announces the completion of a c.£240 million full buy-in with the Trustee of the United Glass Pension Plan (“the Plan”), securing the benefits of 1,700 members. Posted in: Investment - Articles Posted on: Monday Nov 2

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