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A quarter of over 55s have no will in place One in four over 55s have not yet written a will - leaving millions of estates exposed to potential probate complications or unexpected inheritance bills. Major life events are not prompting will updates – just two in five did so after getting divorced Posted in: Investment - Articles Posted on: Wednesday Nov 12

No room for AI when it comes to DIY Biggest DIY disaster claim cost more than £14,600 after homeowner drilled through water pipe. Artificial Intelligence has got work to do if it’s going to crack the home improvement market, according to new research from insurer Allianz UK. Posted in: General Insurance Article Posted on: Wednesday Nov 12

Stock markets buoyant on prospect of US shutdown resolution European stocks hit record highs yesterday and have opened up this morning. Global markets buoyant on expectation of US shutdown resolution. FTSE 100 is climbing as markets price in December rate cut following jobs data. UK stocks face sentiment hurdle of Budget due later this month. Posted in: Investment - Articles Posted on: Wednesday Nov 12

Extend salary sacrifice to lower paid staff Andrew Timpson, employment tax partner at RSM UK explains why the Autumn Budget presents the ideal opportunity to extend salary sacrifice to lower paid workers. Posted in: General Insurance Article Posted on: Wednesday Nov 12

Nearly £200 million paid in cyber claims last year The ABI has called for cyber insurance to become a part of every organisation’s modern risk management strategy, as its latest figures show £197 million was paid out to help businesses recover from cyber incidents in 2024. Posted in: General Insurance Article Posted on: Wednesday Nov 12

Professional Corporate Sole Trustee code updated The Association of Professional Pension Trustees (APPT) has today issued an updated version of its ‘Code of Practice’ for Professional Corporate Sole Trustees (PCSTs) of pension schemes to be effective from 1 January 2026, to allow time for firms to update their processes and procedures, where required. Posted in: Pensions - Articles Posted on: Wednesday Nov 12

34 percent unsure how much to contribute to their pension 34% of people said didn’t know how much they had to contribute to their pensions every year to give themselves a decent income in retirement. 18% of people said they should be saving somewhere between 6-10% of salary per year. A further 17% said between 11-15% per year. Only 14% of higher rate taxpayers said they were unsure, compared to 35% of basic rate taxpayers. However, the latest data from HL’s Savings and Resilience Barometer shows higher earners are at risk of under-saving. Posted in: Pensions - Articles Posted on: Tuesday Nov 11

Comments on latest PPF 7800 Index figures for October 2025 Standard Life, Broadstone and Gallagher comment on the Pension Protection Fund’s 7800 Index November update on the latest estimated funding position for all PPF-eligible defined benefit pension schemes. The aggregate surplus of the 4,969 schemes in the PPF 7800 Index increased by £16.2 billion through October 2025, rising to £271.3 billion in surplus. The funding ratio rose by 0.7 percentage points to 129.8% and the number of schemes in surplus rose to 3,844 representing more than three-quarters (77.4%) of all schemes in the universe. Posted in: Pensions - Articles Posted on: Tuesday Nov 11

PPF publish latest PPF 7800 Index figures for October 2025 This update provides the latest estimated funding position, based on adjusting the scheme valuation data supplied to The Pensions Regulator as part of the schemes’ annual scheme returns, on a section 179 (s179) basis, for the defined benefit pension schemes potentially eligible for entry to the Pension Protection Fund (PPF). Posted in: Pensions - Articles Posted on: Tuesday Nov 11

Isio complete two full buyins for Stonegate Pub Company Isio has successfully led the broking of bulk purchase annuity buy-ins with Utmost Life and Pensions for the Laurel Pub Pension Scheme and the Yates Group Pension Scheme (the ‘Schemes’). Both Schemes are sponsored by Stonegate Pub Company Limited, the UK’s largest pub group. Posted in: Investment - Articles Posted on: Tuesday Nov 11

Move backed to embed financial literacy into curriculum Quantum Advisory welcomes the announcement that financial literacy will be taught to all pupils in England. Posted in: Pensions - Articles Posted on: Monday Nov 10

Stars of the Future 2025 Edition of Actuarial Post Magazine Our Stars of the Future 2025 take centre stage in the magazine this month. We would like to congratulate our overall winner Paul Ring from Chubb who is featured on our front cover and to our runners up Hannah Graham from EY and Aquilla Fatch from M&G. A huge vote of thanks must go to our sponsors Star Actuarial Futures who continue to support this ever-popular award. We have placed all the other nominees in alphabetical order as the competition was so close once again this year. Posted in: Articles Posted on: Monday Nov 10

Fifth of young people think £100k needed for good retirement More than one in eight people (13%) believe that they would personally need £100,000+ per year for a good standard of living in retirement. Nearly half (48%) of younger adults expect to still be paying rent or a mortgage in retirement. Over a quarter (26%) report anxiety after checking their pension balance, and 15% feel it’s either too late, or too early to make meaningful changes. More than 1 in 8 people in the UK (13%) believe they would personally need £100,000+ each year for a good standard of living in retirement, according to new research from Royal London. Posted in: Pensions - Articles Posted on: Monday Nov 10

Response to new TPR enforcement strategy The Society of Pension Professionals (SPP) has responded to The Pension Regulator’s current consultation on its enforcement strategy by expressing its support for the broad thrust of the proposed changes. Posted in: Pensions - Articles Posted on: Monday Nov 10

Changing the inner workings of salary sacrifice Mike Ambery, Retirement Savings Director at Standard Life said: “This is being billed as a Budget of tough choices, so it isn’t surprising the government is looking at salary sacrifice arrangements, which are typically offered by larger private sector employers. Posted in: Pensions - Articles Posted on: Monday Nov 10

No tax free cash cuts but salary sacrifice change looms Reports over the weekend suggest that the Chancellor will not make changes to tax-free cash in the Budget. It has also been reported that she is drawing up plans to make changes to use of salary sacrifice for pensions contributions. Options include capping the amount of someone’s salary that can be sacrificed into a pension without incurring National Insurance payments to £2,000 a year. It has also been suggested that employers may see changes to the exemption that means they don’t pay National Insurance on the portion of salary that goes towards employee pensions. This would be a further increase in employer costs which could see them cutting back on future pay increases or opting against boosting pension contributions. Posted in: Pensions - Articles Posted on: Monday Nov 10

Stark warning against tinkering with pensions and IHT Lisa Picardo, Chief Business Officer UK, comments, as the Government’s Autumn Budget looms, on the ramifications of rumoured policy changes and their potential impact on savers. Posted in: Pensions - Articles Posted on: Friday Nov 7

Funding holds steady ahead of November Budget Fully hedged scheme sees funding position increase by 0.9 percentage points to 72.5% at the end of October. 50% hedged scheme sees fall of 0.6 percentage points to 109.1% at the end of October. Benefits of hedging show during October as the fully hedged scheme continues to progress compared to the 50% hedged scheme which falls back in the face of falling gilt yields. Posted in: Pensions - Articles Posted on: Friday Nov 7

Tech sell off gathers pace as fear grips the market FTSE 100 steady at the open. US stock futures tick up after another tough session. US job cuts at 20-year highs. CNN fear and greed index near 6 month-low. Qualcomm beats forecasts. AI opportunity ‘underestimated’ Posted in: Investment - Articles Posted on: Friday Nov 7

Global trends in the Gender Pensions Gap Reporting on the Gender Pensions Gap (GPG) is set to become mandatory in the LGPS. The recent Access & Fairness consultation proposes the publication of results in each valuation cycle in England & Wales. Across the UK, gaps exist in the level of pension accrued over a working life by female members versus their male counterparts. But we’re not alone. The average GPG is 29% across the EU, with individual results varying from as little as 2% in Estonia to a high of 44% in Luxembourg. Posted in: Articles Posted on: Friday Nov 7

Do not let Budget fears derail your pension planning Steven Cameron, Pensions Director at Aegon UK, comments ahead of the Autumn Budget on 26 November urging both individuals and the Chancellor to ‘remember the positives of pensions’. Posted in: Pensions - Articles Posted on: Friday Nov 7

Dovish hold from BoE as rates plays second fiddle to Budget Comments from Rathbones and LCP on Bank of England rate hold ahead of the Budget as tone of commentary provides ‘small boost to equities and gilts’ Posted in: Pensions - Articles Posted on: Thursday Nov 6

Making CDC work in the UK The Pensions Policy Institute (PPI), the UK's leading independent authority on pensions and retirement policy, in collaboration with Kings College London (KCL), has published the findings of a research project investigating how Collective Defined Contribution (CDC) schemes can work in the UK, revealing a reimagined CDC scheme design could deliver 75% more in retirement outcomes than a traditional defined contribution (DC) scheme upon retirement. Posted in: Pensions - Articles Posted on: Thursday Nov 6

Comments as BoE holds interest rates at 4% ahead of Budget Standard Life, Schroders, XPS Group and Canada Life comment as Bank of England holds interest rates at 4% ahead of the Chancellor’s Budget later this month. Policymakers face a fine balance between supporting growth and keeping inflation under control Posted in: Investment - Articles Posted on: Thursday Nov 6

TPR secures full benefits for Box Clever pensions members All 2,800 members of the Boxclever Group Pension Scheme have transferred to the ITV Pension Scheme following action taken by The Pensions Regulator in one of its longest running cases. Posted in: Pensions - Articles Posted on: Thursday Nov 6

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