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Delivering corporate DB pension strategy in changing markets

Many corporates are reassessing the future of their defined benefit (DB) pension schemes in a rapidly changing market, where the range of options can feel difficult to compare. To help bring clarity, we explore how the DB strategy conversation is evolving, and what this means in practice when it comes to making decisions.
Posted in: Articles
Posted on: Friday Jun 26

DC trustees: time to get ready for higher standards

The Pensions Regulator (TPR) is launching a multi-year campaign to ensure schemes are ready for the changes from the Pension Schemes Act. The requirements raise expectations on defined contribution (DC) schemes to deliver better outcomes. In this article, Kim Goodall-Brown, Director of DC and Master Trust Supervision, shares TPR’s plans to support schemes to prepare for the changes ahead. The Pension Schemes Act 2026 is now law. A new chapter for DC schemes has begun and trustees cannot afford to stand still.
Posted in: Articles
Posted on: Friday Jun 26

Volatility wracks markets at the end of a see-saw week

See-saw moves keep coming as investors stay jittery. FTSE 100 set to trade lower amid rise in geopolitical tensions and a fresh tech sell-off. A vessel was struck while transiting the Strait of Hormuz, adding to fears about the fragility of the peace deal. Asian markets fall sharply, as investors digest price hikes from Apple and Microsoft. Gold suffers in a sell-off, as interest-rate hike expectations firm up, trading around $4,000 an ounce. Bitcoin remains stuck in a frozen crypto winter, falling further to $59,685. The cryptocurrency is down 44% year on year.
Posted on: Friday Jun 26

DWP launches State Pension Age comms action plan

The DWP has published its action plan into State Pension age communications, establishing a new strategy for effective, timely and modern communications on the State Pension.
Posted on: Thursday Jun 25

Frequently asked questions on CDC

CDC pensions explained: Answers to the most common questions on benefits, income, risks and how CDC schemes work. With growing focus on improving retirement outcomes in defined contribution (DC) schemes, the pensions industry and UK Government are increasingly aligned on the need for better retirement income solutions. Upcoming "Guided Retirement" requirements are expected to accelerate this shift. Collective Defined Contribution (CDC) schemes are an important part of this evolution.
Posted in: Articles
Posted on: Thursday Jun 25

PIC complete buyin for Royal Institute of British Architects

Pension Insurance Corporation plc (“PIC”), a specialist insurer of defined benefit pension funds, has concluded a £35 million buy-in with the Royal Institute of British Architects 1974 Staff Pension Scheme (“the Scheme”), securing the benefits of 168 Scheme members.
Posted on: Thursday Jun 25

Blueprint for the future DC pensions market

The emergence of 10-15 megafunds by 2035 will drive better outcomes and facilitate increase in private market allocations. A more value-focused system could boost retirement savings pots by up to 20% while unlocking up to £115 billion in GDP and supporting 330,000 jobs across the UK from infrastructure investment alone. Calls for clearer implementation of reforms, with a shift from cost to value, supported by a clear and consistent regulatory framework. Eight key principles set out how the industry and policymakers can deliver these outcomes in practice
Posted on: Thursday Jun 25

Tech bounces, oil declines but Europe has fresh energy shock

Brent crude sinks to $72 a barrel as supplies surge through the Strait of Hormuz. One energy shock replaces another for Europe as extreme heat sees wholesale peak electricity prices spike. Tech surges in Asia and on Wall Street after Micron results spark a fresh rally. South Korean memory chip maker SK Hynix plans to list in New York to capitalise on its heady $1 trillion valuation.
Posted on: Thursday Jun 25

Car insurance premiums first quarterly rise in over 2 years

Comprehensive car insurance premiums have increased by 1% (£8) during the last three months1 with UK motorists now paying £719 on average, according to the latest Confused.com Car Insurance Price Index in association with WTW (NASDAQ: WTW), a leading global advisory, broking and solutions company.
Posted on: Wednesday Jun 24

ISA rules add complexity but not the real barriers to saving

Mark Campbell, Head of Wealth Planning at Isio Wealth Management, comments on HMRC's publication of the detailed rules underpinning the new ISA regime from April 2027.
Posted on: Wednesday Jun 24

Mortgage rate rises may cost you £268k in retirement savings

The Bank of England’s latest decision to hold rates at 3.75% may bring some stability, but many homeowners nearing the end of fixed deals still face significantly higher borrowing costs. Average five-year fixed mortgage rates have risen from 4.91% at the start of the year to 5.63%, meaning those rolling off older - 2.5% deals could see monthly repayments jump by around £866. Standard Life analysis shows that redirecting this extra £866 into a pension over 25 years from age 34 could add around £268,000 to retirement savings
Posted on: Wednesday Jun 24

Just give me a Wason just a little bit's enough

The Wason selection task is a logic puzzle from the 1960s. It goes like this: You have 4 cards. Each card has a letter on one side, and a number on the other. You see 4 cards face up, showing A, G, 7, and 8. The question is then which cards do you need to turn over to test whether any card with an A on one side has a 7 on the other? If you get it wrong, you’re in good company- or at least in plenty of company.
Posted in: Articles
Posted on: Wednesday Jun 24

Tech sell-off stabilises but investors remain nervous

Global tech rout takes a pause, but investors remain skittish. SpaceX comes down to Earth with a bump, burning off much of its post-launch steam. Investors remain wary about chipmaker valuations. Brent crude falls towards pre-war levels, as tanker traffic rises in Strait of Hormuz. Nasdaq set to open slightly higher, but nervousness remains, especially with the hike in interest rates from the Fed increasingly priced in. Pound dips as dollar strengthens but is also being kept lower due to speculation about UK economic policy. Wes Streeting is the front-runner to replace Rachel Reeves, but any new Chancellor is likely to initially focus on stability to try and reassure bond investors.
Posted on: Wednesday Jun 24

DB Trustees warning over conflict with pension surpluses

Every single trustee surveyed agrees there is increasing government pressure to use surpluses in ways that might conflict with fiduciary duties. Nearly two-thirds (62%) would be more likely to consider run-on strategies under the proposed Pension Schemes Bill. More than four in five (82%) believe low dependency is now a more appropriate long-term funding target than buy-out
Posted on: Wednesday Jun 24

Treasury to levy 22% interest on cash in Stocks & Shares ISA

It is being reported today that an announcement from the Treasury, confirming that interest from cash held in Stocks & Shares ISAs will face a 22% tax rate, is imminent.
Posted on: Tuesday Jun 23

Travel Insurance prices show no Middle East crisis spike

New Defaqto analysis shows travel insurance prices have remained relatively stable since March, despite geopolitical tensions, with 5 Star cover still available at a modest premium to lower-rated policies.
Posted on: Tuesday Jun 23

Health innovations may trigger longevity challenge

9-in-10 (88%) trustees have not yet had the opportunity to decide about how new health innovations could affect scheme liabilities. Over two-thirds (69%) have not yet considered the impact of weight-loss drugs on longevity and benefit payments. Uncertainty over pace of future improvements raises questions over whether schemes may be underestimating future liabilities.
Posted in: Life - Articles
Posted on: Tuesday Jun 23

Next PM must confront triple lock sustainability challenge

Steven Cameron, Pensions Director at Aegon, has urged politicians to address the long-term sustainability of the State Pension triple lock, warning that the next Prime Minister cannot continue to sidestep the issue.
Posted on: Tuesday Jun 23

The FCA publishes SIPPs consultation

The FCA has set out plans to drive greater consistency of standards in self-invested pensions (SIPPs), while maintaining the flexibility and broad investment choice they offer.
Posted on: Monday Jun 22

Inflation uncertainty returns as pricing pressures shift

After a period of stabilising inflation, UK personal lines insurers are once again facing a more uncertain outlook. The recent conflict in Iran may not have fed directly into claims experience yet, but it has reopened questions around energy prices, supply chain costs and broader inflation expectations. Against that backdrop, three themes have been central for insurers in 2026 so far: inflation, pricing and claim frequency.
Posted in: Articles
Posted on: Monday Jun 22

1 in 3 unconfident of coping with unexpected financial shock

Nearly a third of UK adults (29%) aren't confident their family would cope if something happened to them unexpectedly, up from 23% last year. 45 to 54-year-olds in the ‘sandwich generation’ are the least assured of any age group, and are among those saving the least per month
Posted on: Monday Jun 22

Prime Minister resigns: what it means for you and investors

Commenting, Charlotte Kennedy, Chartered Financial Planner at Rathbones, says: “A departing prime minister rarely changes your finances overnight, but political upheaval can create uncertainty that affects markets, confidence and expectations.
Posted on: Monday Jun 22

Real-time view of bond market activity launched

For the first time, investors and market participants can access a single, real-time source of prices and trading activity across the UK bond market, following the launch of its bond consolidated tape, operated by ETS Connect UK.
Posted on: Monday Jun 22

PM under pressure as hopes revive for peace in Middle East

UK assets remain under pressure at the start of a week dominated by political speculation. Sir Keir Starmer is expected to step down as PM to make way for Andy Burnham. Chop and change in Westminster has made investors nervous about the direction of economic policy. Brent crude dips as hopes are revived about a path to peace in the Middle East. Private equity firm Castlelake doubles down on its takeover bid for easyJet.
Posted on: Monday Jun 22

Smart isn’t enough insurers must scale operations to succeed

Even the most advanced pricing strategies fail without execution at scale. Discover how insurers can operationalize insight through collaboration, cloud technology, automation, and AI. Think big and scale smarter. In today’s competitive insurance market, having a winning pricing strategy is only half the battle. The true differentiator? Execution at scale. As the old management consulting maxim says: “Strategy is a commodity; execution is an art.”
Posted in: Articles
Posted on: Friday Jun 19

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