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DC schemes down 15 percent in 2025 amid maturing market Broadstone and Lumera comment on new TPR data showing the total number of DC schemes decreased by 15% over the last year, from 920 schemes in 2024 to 790 schemes in 2025, representing the largest proportional decrease to date Posted in: Pensions - Articles Posted on: Tuesday Mar 17

Headline fee reductions do not tell the full story LCP’s latest Investment Management Fees Survey, covering 53 asset classes and data from over 50 institutional investment managers worldwide, reveals that while headline fee rates continue to fall across most core asset classes, overall costs are often rising due to higher additional expenses. Posted in: Investment - Articles Posted on: Tuesday Mar 17

Means testing the State Pension With pressure growing on the UK’s public finances, the government is focusing more closely on the cost of the State Pension. Jack Carmichael and James Jones-Tinsley examine one of the key issues that may come under consideration: whether to introduce means testing. The State Pension system is now under review as part of the recently announced revival of the Pensions Commission. With demographic and fiscal pressures continuing to build, this is likely to prompt reform and renewed debate about issues such as means testing, retirement fairness and how longevity risk is shared across society. Posted in: Articles Posted on: Tuesday Mar 17

Smaller pension schemes continue to exit the DC market DC scheme numbers fell by 15% to 790 in 2025. Assets increased by 22%, rising from £205 billion to £249 billion. Schemes that do not deliver value for savers should consolidate out the market, TPR urges Posted in: Pensions - Articles Posted on: Tuesday Mar 17

Evolved risk transfers offers opportunity for small schemes Smaller DB Pension schemes considering a bulk annuity transaction have more opportunities and flexibility than ever before so must carefully consider their broking approach, claims Hymans Robertson. Posted in: Pensions - Articles Posted on: Tuesday Mar 17

A redress system that works better for consumers and firms A redress system works best when it is clear, simple to use and trusted – both by the consumers who rely on it when something goes wrong, and by the firms expected to put things right. We’ve reached a significant milestone in our joint work with the Financial Ombudsman Service and the Government to modernise the redress system so that consumers get fair outcomes quicker and firms have greater clarity about how issues will be handled. Posted in: General Insurance Article Posted on: Tuesday Mar 17

From Peak Returns to Geopolitical Headwinds This commentary reviews the 2025 performance and 2026 outlook for our selected top global property and casualty reinsurance companies (Reinsurers), focusing on market conditions, capital dynamics, investment income trends, and catastrophe loss normalization. Posted in: General Insurance Article Posted on: Tuesday Mar 17

Pessimism sets in despite Trumps bullish stance on Iran war President Trump claims the war with Iran will be ‘wrapped up very soon’, but concerns remain high that this will be a longer and more protracted conflict. Brent crude prices stay volatile, climbing higher to hover around $103 after Monday’s losses. NATO members push back on requests to help secure the Strait of Hormuz. The airline industry is left reeling from fresh attacks on the UAE, with British Airways cancelling Dubai flights until the end of May. The flight disruption will have a knock-on effect on the conference and hotel industry across the Middle East. Posted in: Investment - Articles Posted on: Tuesday Mar 17

Middle East conflict impacts revenue of top MEA reinsurers The ongoing conflict in the Middle East is prompting reinsurers to rapidly reprice and recalibrate risk across many lines, with continuity of coverage and trade as primary objective, even amid rising instability. If the war continues for an extended period, it will impact the revenue growth of top reinsurers in the Middle East and Africa (MEA) region over the next few years, according to GlobalData, a leading intelligence and productivity platform. Posted in: General Insurance Article Posted on: Monday Mar 16

BoE to stand firm as geopolitics rewrites rate path With oil-driven inflation volatility, both BoE and Fed likely to prioritise credibility over speed, says Rathbones’ John Wyn Evans, Head of Market Analysis. Scars from Russia-Ukraine war will inform both central bank and investor mindsets as Middle East conflict continues Posted in: Investment - Articles Posted on: Monday Mar 16

You'll be popular! Just not quite as popular as IG Apocryphally, a Sultan wanted an inscription on his signet ring that would be true forever, so he tasked his wisest subjects to come up with something. They came back with “this too shall pass”. Had they worked in finance, they may have said something slightly less pithy, like “there’s a price at which anything is worth buying, it just might not be the current one”. While somewhat trite, it’s also true, and has corollaries. Posted in: Articles Posted on: Monday Mar 16

IHT tax reforms drive demand for gifting with control Rising inheritance tax exposure is prompting families to gift earlier but with safeguards over how wealth is used. Trust usage is rising fast with 121,000 registered in 2024/5, taking the total number to 835,000. Intergenerational strategies becoming an increasingly central component of financial advice and wealth planning Posted in: Investment - Articles Posted on: Monday Mar 16

9 in 10 do not know their pension tax relief rate Only 12% of Brits know the exact rate of pension tax relief they receive. One in three (29%) have already, or have plans to top up their pension before tax year end, with 48% not currently planning to. One in ten (11%) would prioritise a pension top-up if they had spare savings. Posted in: Pensions - Articles Posted on: Monday Mar 16

Mixed start for stocks as central banks gauge oil prices FTSE 100 edges up. Asian stocks fall despite positive surprises in China. Brent Crude at $104 per barrel. Fed, BoE, ECB, BoJ to set rates this week. Gold falls below $5,000 per ounce. US stock futures rise. NVIDIA GTC kicks off as tech investors assess what’s next for AI Posted in: Investment - Articles Posted on: Monday Mar 16

When technical price and market price diverge This is the first in a series on pricing in a softening market. Here we focus on the growing gap between technical price and market price. Later articles will dive into thoughts on judgement and governance. As rates soften across many lines in the London Market, it is worth stepping back and asking a simple question: what role should technical pricing play when the softening market is driving the price? Soft markets are not new. What feels different today is the amount of investment in pricing transformation. Posted in: Articles Posted on: Friday Mar 13

Pensions membership becoming more diverse than in the past With more than 10 million workers having been newly enrolled into workplace pensions as a result of automatic enrolment, and with the changing make-up of the UK population, pension scheme membership is becoming much more diverse than in the past. Posted in: Pensions - Articles Posted on: Friday Mar 13

Financial pressure could undermine long term pension saving More than six in ten employers (62%) fear more employees will opt out of workplace pensions due to financial pressure. Almost two thirds (61%) expect employees to reduce pension contributions to cope with day-to-day living costs. Nearly six in ten (59%) say employees do not understand how valuable pensions are as part of their total reward. Almost half (49%) admit they do not communicate or promote their pension effectively Posted in: Pensions - Articles Posted on: Friday Mar 13

UK growth flatlines, US markets stumble, Oil stays elevated UK economy flatlines in January, UK stocks open lower. US markets stumble as investors begin to price in a prolonged conflict. Energy markets see a rare moment of calm, but no sign of easing. Gold on track for back-to-back weekly losses Posted in: Investment - Articles Posted on: Friday Mar 13

AI is transforming everything. What's the deal for M&A AI investments and an explosion of megadeals are creating a K-shaped M&A market. Explore how today's relentless capital spending on AI could be tomorrow's catalyst for deals in PwC's global M&A industry trends 2026 outlook. Posted in: Articles Posted on: Thursday Mar 12

BoE faces tough decision as spectre of stagflation looms Bank of England faces tough decision on interest rates when it meets next Thursday (19 March). MPC members voted 5-4 to hold at the last meeting, with four members voting for a cut to interest rates. The Bank’s playbook is being re-written as the war in Iran impacts global energy prices. Airfares and fuel prices are already surging. Just weeks ago markets had been expecting at least two cuts in 2026 – now they’re eyeing a potential hike Posted in: Investment - Articles Posted on: Thursday Mar 12

Quarter of a century of pension change and what may be next We take a look at what has happened over the last 25 years in pensions, and what could happen in the next 25 years? Over the past 25 years, the UK pensions landscape has transformed. Benefit accrual in defined benefit (DB) pension schemes, once the cornerstone of UK retirement provision, has largely disappeared from the private sector. Defined contribution (DC) schemes and automatic enrolment have become the norm, with an increasing shift in risk from employers to individuals. Posted in: Articles Posted on: Thursday Mar 12

Practical challenges with the FCAs new ESG rating proposals The Society of Pension Professionals (SPP) has responded to the current FCA consultation on ESG ratings. The consultation seeks industry views on FCA proposals to regulate the ESG ratings market, with the aim of making ESG ratings more transparent, reliable and understandable. Posted in: Pensions - Articles Posted on: Thursday Mar 12

Middle East dominates the narrative for investors FTSE 100 opens down as oil price climbs back to $100. Buyer demand for UK houses dries up in February. Tech stocks hold their own – Uber partners with Amazon’s Robotaxi start up. Stable US CPI inflation offers markets a ray of light Posted in: Investment - Articles Posted on: Thursday Mar 12

Pension schemes must assess all options on endgame decisions Aon has said that UK defined benefit (DB) pension schemes face new options in 2026 as they consider a wider range of endgame approaches. Posted in: Pensions - Articles Posted on: Thursday Mar 12

Archaic Pension Transfer System not fit for purpose Report from a coalition of nine major providers* highlights how pensions are out of sync with the modern finance worldFinds legacy pension providers can delay legitimate pension transfer requests through misuse of anti scam legislationAnalysis suggests that digital pension platforms will provide £18bn annual benefits to the UK economy by 2055. Posted in: Pensions - Articles Posted on: Thursday Mar 12

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