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Comment on DWP pension decumulation report Broadstone comment on The DWP report on findings from qualitative interviews with individuals aged 53 to 67 exploring how they understand, approach and make decisions about DC pension decumulation. Posted in: Pensions - Articles Posted on: Monday Jul 13

State Pension Triple Lock at a crossroads As the UK prepares to welcome its second Prime Minister within a single Parliament, one commitment has survived the upheaval largely unchallenged: the state pension Triple Lock. Incoming leader Andy Burnham has already reaffirmed this saying “the commitment in the manifesto stands” bringing him into line with the outgoing Labour Prime Minister, the Conservatives and Reform UK, all of whom have pledged to preserve the mechanism that has driven the state pension up by more than 80% since 2011 until the end of the current Parliament. Posted in: Pensions - Articles Posted on: Monday Jul 13

Comments on updated DWP roadmap Aegon and the ACA comments on the Department for Work and Pensions’ roadmap of reforms for DB and DC workplace pensions: Posted in: Pensions - Articles Posted on: Monday Jul 13

Investment trends across £200bn master trust market revealed The Pensions Regulator (TPR) has today (Monday) published new data providing market-wide insight to trustees and industry as they seek to expand investment into broader asset classes. Posted in: Investment - Articles Posted on: Monday Jul 13

You turn my VIX into dimes What should investors do in periods of heightened volatility? To me, this comes down to whether heightened volatility predicts different returns. So can it? Does the VIX[1] contain information about future equity returns? At first glance, no it doesn’t. While moves in VIX are almost 70% negatively correlated with equity excess returns, these are simultaneous. The initial level of the VIX is only 4% correlated with subsequent excess returns. This doesn’t immediately tie up with other analysis showing that selling when the VIX peaks leads to missing out on the recovery. Posted in: Articles Posted on: Monday Jul 13

52% are unaware pension contributions reduce taxable income More than half (52%) of people do not realise that paying into a pension can reduce their taxable income. Many parents will face an average £179 per week holiday childcare bill this summer, but parents earning over £100,000 per year can lose access to the Government’s free hours of childcare. Additional pension contributions may help some higher-earning parents manage key tax thresholds and retain their eligibility for childcare support, while continuing to build their retirement savings. Posted in: Pensions - Articles Posted on: Monday Jul 13

ABI sets out recommendations to improve retirement adequacy The ABI has urged the Pensions Commission to set out a clear roadmap for gradually increasing automatic enrolment pension contributions from 8% to 12% by the end of the 2030s. Given the financial pressures facing households, workers and employers, the trade body says a carefully phased approach will be needed to build better retirement outcomes and give businesses and savers time to plan and adjust. Posted in: Pensions - Articles Posted on: Monday Jul 13

Middle East tensions fuel inflation concerns Flat start for the FTSE 100 after a resumption of attacks in the Middle East and another turn on the AI rollercoaster. The flare-up between the US and Iran keeps inflation risks simmering, with Brent crude holding around $79 a barrel as uncertainty lingers following the ceasefire breakdown. Kevin Warsh faces his first appearance before Congress as Federal Reserve Chair, while US inflation data will help shape expectations for the path of interest rates. UK GDP figures and the Mansion House speeches are set to offer fresh clues about the outlook for the British economy and interest rates. England win over Norway could help consumer focused stocks as spending set to ramp up on celebrations this week. Posted in: Investment - Articles Posted on: Monday Jul 13

Walking the tightrope: balancing risk in DC pensions Fundamentally, all pension schemes aim to convert contributions into a pension income in the most efficient way. Within a DC pension is a joined-up scheme design that aims to deliver an adequate pension income, based on a contribution rate. An expected long term investment return is the ideal situation. The reality is however that contribution rates tend to be driven by a mixture of regulation and affordability, rather than any carefully constructed plan. A key driver of what someone receives as an income from the scheme is how the scheme manages and deploys risk. Posted in: Articles Posted on: Friday Jul 10

5 mistakes that could void homeowners cover this summer Searches for 'unoccupied home insurance' up 261%, and experts warn most Brits are making five mistakes that could void their cover before they've even landed.Tamzin Metcalfe, home insurance expert at Go.Compare has identified five of the most common mistakes homeowners make before jetting off this summer, and why each one matters more than most people realise. Posted in: General Insurance Article Posted on: Friday Jul 10

FCA cracks down on illegal promotions and market abuse The FCA led an international crackdown on illegal finfluencer promotions – resulting in 3 arrests and 650 social media takedown requests. It also secured a combined 11 years in prison for 2 cases of insider dealing in the first year of its 5-year strategy, according to its Annual report and accounts published today. Posted in: Investment - Articles Posted on: Friday Jul 10

1 in 4 young adults say finances impact their mental health 25 to 34-year-olds save over £2,500 more each year than those aged 45 and over. 27% of 25 to 34-year-olds have taken extended time off work due to mental health or illness in the past six months - the highest of any age group Posted in: Investment - Articles Posted on: Friday Jul 10

FOMO effect helps markets despite Middle East uncertainty FTSE 100 set for a firmer open as investors take fresh Middle East tensions in their stride. Wall Street resilience boosts global sentiment, with strong US earnings and AI investment continuing to underpin markets. Brent crude holds around $76 a barrel, well below this week's highs, as traders bet supply disruption will prove manageable. AI FOMO remains a powerful force, drawing retail investors into the sector's biggest winners despite lofty valuations. SK Hynix's Nasdaq debut attracts huge demand, with its American depositary receipts reportedly seven times oversubscribed. The AI rally is broadening beyond big tech, with industrials, banks and infrastructure firms emerging as key beneficiaries of the investment boom. Posted in: Investment - Articles Posted on: Friday Jul 10

Aon appoint STG Head of Life Consulting for North America Aon have announced the appointment of Nick Komissarov as head of Life Consulting for North America in its Strategy and Technology Group, effective immediately. Posted in: Lifestyle Article Posted on: Thursday Jul 9

PPF Annual Report 2025/26 shows delivery progress Paid £1.2bn in PPF compensation; high member satisfaction levels (97.4%) maintained. Supporting victims of fraud by paying out over £100m to over 2,700 pension fraud victims. Financial resilience maintained; growth portfolio delivered 7.1 per cent investment return, outperforming target. Pension Schemes Act 2026 enables the PPF to increase payments to our members and reduces costs on industry. Progressed work to pay increases going forward to eligible members on service accrued before 1997, starting from January 2027Confirmed zero conventional PPF levy for 2025/26 and 2026/27 Posted in: Pensions - Articles Posted on: Thursday Jul 9

Hurricane Sandy when flood risk was unmodelled and uninsured On the evening of October 29, 2012, Hurricane Sandy made landfall near Brigantine, New Jersey. By the time it was over, the storm had killed 159 people across the United States, flooded the New York subway system, shut down Wall Street for two consecutive days for the first time since 1888, and caused an estimated $65 billion in damage (NHC, 2012). Sandy would become the costliest flood event in the history of the northeastern United States. Posted in: Articles Posted on: Thursday Jul 9

A pensions system built for a Britain that no longer exists The UK’s pensions system was designed for a Britain that no longer exists, according to a major new report commissioned by the ABI and produced by the Pensions Policy Institute (PPI). Posted in: Pensions - Articles Posted on: Thursday Jul 9

One in three pensioners to be renting by 2044 One in three pensioner households could be renting by 2044 according to the ABI’s latest report, Pensions Adequacy: Housing, Households and Auto-Enrolment. The research finds that nearly two million more people are expected to retire without owning their home, marking a major shift in how future generations will experience retirement. Posted in: Pensions - Articles Posted on: Thursday Jul 9

State of the Nation paper for DB pension schemes Three years on from the Mansion House reforms and with the Pension Schemes Act now receiving Royal Assent, policy ambition for DB pension schemes has evolved but has yet to translate fully into practice, according to Hymans Robertson. Posted in: Pensions - Articles Posted on: Thursday Jul 9

K3 Advisory leads buyin for CIPS Pension Scheme K3 Advisory, part of Isio, has completed a c.£11 million full scheme buy-in for the Chartered Institute of Procurement and Supply Pension Scheme with Just Group, sponsored by the Chartered Institute of Procurement and Supply (CIPS), a not-for-profit organisation. Posted in: Investment - Articles Posted on: Thursday Jul 9

The £56k Inheritance Assumption Gap Fewer than half (46%) have discussed inheritance plans with their loved ones. Average anticipated inheritance is £56,535 potentially leaving a big hole in retirement finances if solely relied upon. Millions avoiding the conversation due to it being awkward (15%), rude (12%) or to avoid family arguments (8%) Posted in: Pensions - Articles Posted on: Thursday Jul 9

Master trusts continue to reshape DC pensions market Master trusts now account for 41% of large DC schemes in the research, up from less than 30% in 2022. Large master trusts are serving more than 60% of members in bundled DC arrangements with over half the assets for that cohort. A small number of providers are shaping a large proportion of member experience with just four providers responsible for over 70% of assets and 74% of members. Despite a shift towards drawdown-focused retirement targets, 87% of members accessing benefits still take cash withdrawals Posted in: Pensions - Articles Posted on: Thursday Jul 9

FTSE 100 erratic amid Middle East uncertainty FTSE 100 clawed back losses before losing ground again after fresh US attacks on Iran. Oil retreats from above $80 a barrel, easing some inflation fears but investors remain wary. UK gilt yields remain close to recent highs as geopolitical risks combine with political unpredictability in the UK. Posted in: Investment - Articles Posted on: Thursday Jul 9

Lower mansion tax threshold down to £1.5m Following speculation that Andy Burnham could lower the proposed threshold for Labour's planned council tax surcharge on higher-value homes from £2 million to £1.5 million if he were to become Prime Minister, Alex Pugh, chartered financial planner and Partner at Saltus, warns the move could bring significantly more homeowners into scope. Posted in: Investment - Articles Posted on: Wednesday Jul 8

Flexibility in CDC pensions may improve retirement outcomes Collective defined contribution (CDC) pensions are gaining real momentum in the UK. They offer a compelling way to improve retirement outcomes by providing members with a more predictable income for life. But as the market evolves, one challenge is becoming clear: flexibility. In our view, increasing flexibility in retirement-CDC (R-CDC) is key to unlocking its full potential for UK pension savers. This article focuses on R-CDC in comparing decumulation options but many of the same points apply to whole of life CDC. Posted in: Articles Posted on: Wednesday Jul 8

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