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Building Sovereign Disaster Resilience Gerry Lemcke and Marina Oberholzer explore how innovative risk-transfer solutions can strengthen countries’ financial resilience to natural disasters. Lemcke and Oberholzer trace the evolution of Public Sector Solutions back to 2011, when Swiss Re became the first reinsurer to establish a dedicated unit to work with governments on their risk-mitigation and risk-transfer needs. Now, the toolbox to address these needs is expanding: Lemcke and Oberholzer discuss insurance-linked loans, which embed disaster protection into sovereign financing. When a qualifying disaster strikes, an insurer takes over the loan payments, providing real debt relief and freeing up public funds to be used for recovery instead. Posted in: Articles Posted on: Tuesday Sep 15

Pension savers need more support at retirement Whether it is a defined contribution occupational pension scheme, subject to trustee fiduciary duty, or a workplace personal pension, subject to consumer duty, the challenges facing members, and the support they need to make good decisions are the same. The Pension Commission has highlighted many of the issues facing members both in building an adequate pension pot and in converting that pot into a retirement income. Posted in: Articles Posted on: Tuesday Sep 15

Comments on DWP small pot consolidation proposals Broadstone and Lumera comment on he DWP publishing its proposals for the automatic consolidation of deferred small pots via consolidator schemes. Posted in: Pensions - Articles Posted on: Tuesday Sep 15

Triple Lock debate intensifies State Pension expected to rise by 3.9% from April 2027, with earnings growth likely to determine the Triple Lock. A 3.9% increase would take the full new State Pension from £241.30 to around £250.70 a week - approximately £13,036 a year, putting the full new State Pension around £466 above the frozen tax-free £12,570 Personal Allowance. PensionBee says any debate over Triple Lock reform needs to be considered alongside the State Pension age, auto-enrolment adequacy and efforts to tackle the severe gaps in private pension saving faced by those excluded from the system such as the self-employed and low-earners. Posted in: Pensions - Articles Posted on: Tuesday Sep 15

Warning against one size fits all Value for Money framework Hybrid schemes exemption should be retained as Government expands scope of reforms. The Pensions Management Institute (PMI) has urged the Government to retain an exemption for hybrid pension schemes within its proposed Value for Money (VfM) framework, warning that extending the regime to schemes it was not designed for could increase costs and regulatory burdens without delivering meaningful benefits for savers. Posted in: Pensions - Articles Posted on: Tuesday Sep 15

Digital pensions revolution must not leave savers behind The Society of Pension Professionals (SPP) has published a new thought leadership paper, “Pensions in a Digital World: Embedding Inclusion”, urging the pensions industry to ensure that digital transformation works for every saver, not just those who are digitally confident. Posted in: Pensions - Articles Posted on: Tuesday Sep 15

Comments as pensions on track for 3.9% state pension hike Hargreaves Lansdown and Broadstone comments as average earnings growth (including bonuses) was 3.9% for May-July. This is a key figure in the triple lock formula alongside 2.5% and September’s inflation figure (published in October). Current inflation is 2.9% making it likely that wages will be the key figure used. The state pension is the foundation of retirement income but will only cover the essentials. Posted in: Pensions - Articles Posted on: Tuesday Sep 15

Red Sea risks fuels inflation as jobs market loses momentum Oil surges back above $107 a barrel, with threats to shipping through the Strait of Hormuz and Bab el-Mandeb raising fresh concerns over global supplies and the inflationary fallout. Bond markets are braced for higher rates, with 10-year gilt yields remaining highly elevated and the US 10-year Treasury yield pushing above the psychologically important 5% level. The UK jobs market is losing momentum, with payrolled employment down 145,000 over the year and vacancies falling to 702,000, their lowest level outside the pandemic since 2014. Posted in: Investment - Articles Posted on: Tuesday Sep 15

How to manage cyber risk as a strategic imperative If a ransomware event shuts down a critical system, your board will focus on operations, revenue and recovery long before it discusses the technical vulnerability that led to the incident. Which operations and supplier relationships can continue? Which customers will feel the impact and what will this do to revenues? What will it take to recover, should you pay the ransom and how much will the business interruption cost otherwise? Posted in: Articles Posted on: Monday Sep 14

AI models give inaccurate financial advice 57% of the time AI models like ChatGPT and Claude give out inaccurate financial advice 57% of the time - errors potentially cost tens of thousands of pounds. One mistake found in the research would have triggered a £17,500 loss. Some models gave incorrect advice 99% of the time in response to more complex personal finance questions. The research saw 10,000 total questions put through the UK’s most-used AI tools. “The FCA should regulate AI to ensure consumers are protected” – Saturn CEO Posted in: Investment - Articles Posted on: Monday Sep 14

AI data rules must reflect the realities of pension schemes The Government’s approach to data regulation in the age of artificial intelligence (AI) must take greater account of the specific realities of pension schemes, says ZEDRA. Posted in: Pensions - Articles Posted on: Monday Sep 14

Only two in five know where all their pensions are held Only 40% of UK adults know where all their private and workplace pensions are held. Nearly half say their annual pension statement doesn't help them understand whether they're saving enough for retirement. One-in-six (16%) don't know where any of their pensions are held at all. Mylo at Aegon helps locate lost workplace pension pots and bring pensions together to create a clearer view of retirement savings. Posted in: Pensions - Articles Posted on: Monday Sep 14

Soft markets, AI and next steps for London Market pricing The twin impacts of softening markets and AI mean that London Market pricing teams will need to evolve their approach rapidly over the coming years. In this article I look at the current state of the market, highlight examples of good practice and consider key areas where firms need to evolve. Most firms in the London Market have well-established technical pricing processes. However, the role of technical pricing has been somewhat limited in hard markets, where the priority is to maximise underwriting team bandwidth to capture the abundant opportunities to write profitable business. Posted in: Articles Posted on: Friday Sep 11

SPP backs VFM framework with proportionate implementation In response to the FCA’s latest consultation on its Value for Money (VfM) framework, the Society of Pension Professionals (SPP) has confirmed it supports the proposals and its phased implementation, welcoming measures to ease the initial burden on schemes and providers. Posted in: Pensions - Articles Posted on: Friday Sep 11

Index shows both schemes hold steady through August The ‘growth focused’ scheme funding improved marginally from 94.1% at the end of July to 94.2% by the end of AugustThe ‘matching focused’ scheme funding fell marginally from 89.9% at the end of July to 89.8% at the end of August. 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: Friday Sep 11

Economy shows resilience, stagflation fears in the spotlight The Footsie is set to claw back losses in early trading after a better-than-expected report card on the economy. GDP grew 0.4% in July, beating expectations for a contraction. Over the three months to July, the economy expanded by 0.4%, the eighth consecutive three-month period of growth, but production and construction both contracted 0.5%. Services remain the engine of growth, expanding 0.6% over the three months to July, while AI-related activity is providing an additional lift. Stagflation worries still hover given the energy shock raises the risk of inflation staying higher for longer and potentially forcing the Bank of England to raise rates later this year and next. Brent crude is staying elevated, above $105 a barrel. Posted in: Investment - Articles Posted on: Friday Sep 11

Beyond Drawdown With default pension benefit solutions (guided retirement) taking shape, solutions from flex & fix to insured drawdown and Retirement CDC are being considered by the pensions industry i.e. they are looking beyond traditional drawdown solutions to deliver innovation. As a result, the Society of Pension Professionals (SPP) held a webinar on “Innovation in DC Retirement Solutions”. Posted in: Pensions - Articles Posted on: Thursday Sep 10

Flood risk in changing climate: What risk managers must know Flood risks are not restricted to those places labelled as flood zones. Neil Gunn and Hayley Fowler look at why flooding can occur well beyond mapped flood areas and suggest how risk managers can avoid being taken unaware. This year’s flood events illustrate the accelerating trend of hydrological intensification driven by ongoing global warming. A preliminary global review shows extreme and often record-breaking rainfall on every continent, with many events producing exceptional sub-daily intensities. Posted in: Articles Posted on: Thursday Sep 10

Digital health accelerates AI adoption The global digital health and wellness firms across Asia are facing slowing growth while at the same time accelerating investment in AI-powered patient care. As organisations integrate AI across their operations, accountability, governance, workforce competency and cyber resilience are emerging as critical challenges. These findings come from Beazley’s latest Digital Health & Wellness 2026 report, based on a survey of 600 executives across Asia, Europe and North America. Posted in: General Insurance Article Posted on: Thursday Sep 10

Footsie flat as oil stays above $100 a barrel Oil stays above $100 a barrel, keeping inflation and interest-rate fears firmly in focus.30-year gilt yields keep rising after hitting 5.82%, the highest rate at a UK government debt sale since 1998. Norway’s sovereign wealth fund plans to cut its US Treasury holdings, adding to pressure on the bond market. ECB interest rate decision is in focus, with a hike in interest rates widely expected. Posted in: Investment - Articles Posted on: Thursday Sep 10

Summer’s over, saving is on Putting the equivalent of the average annual cost of raising a child into a pension for 18 years could add around £351,000 to retirement savings. Even contributing half that amount could add around £175,500. As families emerge from a potentially expensive summer, ‘Dual Income, No Kids’ households may have greater financial headroom Posted in: Pensions - Articles Posted on: Thursday Sep 10

The ECB’s Second Stitch In Time Jeremy Batstone-Carr, European Strategist at Raymond James: "The European Central Bank’s (ECB) 27-member Governing Council will raise all regional interest rates, including the key Deposit Rate, for a second time in the current cycle to 2.50% (previously 2.25%). The decision will come as no surprise, financial market futures having already fully anticipated the adjustment which is likely to be approved unanimously. Posted in: Investment - Articles Posted on: Thursday Sep 10

6m+ unsure how they'll pay rent or mortgage in retirement 18.7 million people expect to pay housing costs in retirement or are already doing so. 16 million UK adults expect to pay housing costs in retirement. Over six million of those don’t know how they’ll fund the cost Posted in: Pensions - Articles Posted on: Wednesday Sep 9

DB endgame options: when strategy meets accounting reality As funding levels improve, sponsors are exploring a broader range of endgame options than ever before. While strategic discussions often focus on risk, funding and member outcomes, understanding the accounting implications of each option is becoming an increasingly important part of the decision-making process. While the strategic benefits are clear, the accounting implications can be complex and the impact significant. In some cases, the accounting standards may appear misaligned with intended strategic outcomes and UK policy objectives. Posted in: Articles Posted on: Wednesday Sep 9

Oil and trade tensions pile on inflation pressure FTSE 100 opens lower as crude prices nudge $100 a barrel, threatening another wave of inflation through higher transport, energy and production costs. UK and European gas prices are also higher, with low storage levels raising concerns about household energy bills going into winter. The intensifying US-Canada trade war adds another inflationary pressure, while the unpredictability of US trade policy makes businesses more reluctant to invest and plan. Posted in: Investment - Articles Posted on: Wednesday Sep 9

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