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Chancellor urged to prioritise tax stability ahead of Budget Richard Paddle, Director at Isio Wealth Planning, comments on reports that the Chancellor will not increase capital gains tax rates at the Autumn Budget and the implications for personal financial planning: “Reports that the Chancellor has decided against further increases to capital gains tax rates will provide some reassurance to investors and business owners, particularly given the considerable speculation around potential changes in the run-up to the Autumn Budget. Posted in: Investment - Articles Posted on: Thursday Oct 22

TPR guidance on “hidden” AI risks in pension portfolios The Pensions Regulator (TPR) has today published guidance to help trustees identify and manage potential hidden AI-related investment exposure as artificial intelligence becomes increasingly influential across global markets. Investment in AI-related activity is growing across global markets, with reports showing that global private AI investment has more than doubled in 2025, rising by 127.5% year-on-year. Posted in: Pensions - Articles Posted on: Thursday Oct 22

CDC outcome must look beyond the headline uplift The potential for an income uplift with CDC (collective defined contribution) pension schemes and the opportunity to improve adequacy is only one element of the CDC comparison, says Hymans Robertson Posted in: Pensions - Articles Posted on: Thursday Oct 22

DC Pension Tracker – Q3 2026 The Aon UK DC Pension Tracker rose sharply over the second quarter of 2026, with all our sample savers projected to see an increase in their expected future living standard in retirement. For the first time since our tracker began, one of our sample savers is projected to achieve a Comfortable Retirement Living Standard in retirement. Strong positive investment returns over Q2, particularly a rally in equity markets, pushed all other savers closer to achieving the Comfortable Retirement Living Standard, despite recent rises in the level of income needed to meet the same standard. Both the positive impact of April’s increase in the state pension and June’s increase to the Retirement Living Standards have been reflected in this update Posted in: Pensions - Articles Posted on: Thursday Oct 22

Understanding Under Pressure Pension withdrawal communications scored 4.3/5 for clarity, yet only 40% understood the investment options for their remaining pension savings. Redesigned communications made customers 2.5 times more likely to complete the process, with inbound calls falling from 40% to 24%Friction and complexity can create greater barriers for customers experiencing vulnerable circumstances. Standard Life turns three years of behavioural science research into a simple four-question framework that firms can use to assess customer communications and journeys Posted in: Pensions - Articles Posted on: Thursday Oct 22

Three positive moves for the Autumn Budget Rob Morgan, Chief Investment Analyst at Charles Stanley Direct, part of Raymond James: "With the Budget coming just days before Halloween, investors can be forgiven for feeling spooked at the prospect of further changes to tax and personal finances. Few are expecting this year's event to be more treat than trick. Posted in: Investment - Articles Posted on: Thursday Oct 22

Risk-off mood returns amid AI spending and high energy costs London’s FTSE 100 falls after Asian markets slide as semiconductor stocks come under pressure, with investors increasingly wary of borrowing costs and the vast sums being poured into AI. Meta’s results highlight the eye-watering cost of the AI race, raising questions about how long tech giants can sustain their spending spree and whether demand will keep pace. The Bank of Korea holds rates, but stubbornly high energy prices threaten to keep inflation elevated and interest rates higher for longer. Brent crude edges above $111 a barrel higher as renewed attacks on energy infrastructure and escalating geopolitical tensions fuel fears of further supply disruption. Posted in: Investment - Articles Posted on: Thursday Oct 22

The utility of my DC, of my DC In a recent YouGov Poll, [1] [2], around 16,000 US and 5,000 UK adults were asked whether they would rather receive a guaranteed 50,000 or take a 50% chance of winning one million (dollars in the US and pounds in the UK). The results are striking with 65% of Americans and 73% of Britons opted for the guaranteed payout. In both countries, men on average were more likely than women to take the gamble. One possible reaction is to dismiss the results as evidence that people are perhaps poor at calculating expected values. Posted in: Articles Posted on: Thursday Oct 22

Mansion House Accord signatories £11.1bn in Private Markets Workplace pension providers laid strong foundations in the first year of their commitment to invest more in UK assets, including infrastructure, property and private equity, under the Mansion House Accord. Joint tracking by the ABI and Pensions UK reveals Mansion House Accord signatories held £22.1 billion DC growth-phase assets in global private markets, with £11.1 billion in UK private markets, as of 31 December 2025. This equates to 6.6% of DC growth-phase assets invested in private markets, with 3.3% in the UK. Posted in: Pensions - Articles Posted on: Wednesday Oct 21

Record September for IHT receipts and CGT remains elevated Simon Martin from Utmost comments on latest from HMRC for September's IHT receipts totalled £936 million, compared to the £671 million recorded in September 2025 - the highest monthly total on record, surpassing the £871 million recorded in June 2026. Receipts for the first six months of the 2026/27 financial year now total £4.72 billion, compared with £4.39 billion at the same point last year, an increase of 7%. It follows a fifth consecutive record year for IHT receipts, which reached £8.5 billion in 2025/26, and CGT data showing receipts of £216 million for September 2026, compared to the £207 million recorded in September 2025. This follows receipts of £198 million in August 2026. Posted in: Investment - Articles Posted on: Wednesday Oct 21

Run-in strategies gaining traction with pension schemes Aon has said that while the UK risk settlement market has maintained its level of activity in 2026, it is now set to increase significantly, with a number of factors driving the market’s expansion. Posted in: Pensions - Articles Posted on: Wednesday Oct 21

PIC in £85m buyin for Interface Europe Pension Scheme Pension Insurance Corporation plc ('PIC'), a specialist insurer of defined benefit pension schemes, has concluded an £85 million buy-in with the Trustee of the Interface Europe Pension Scheme ('the Scheme'), securing the benefits of 1,117 members for the long term. Dalriada Trustees Limited ('Dalriada') is the sole professional trustee (the 'Trustee') to the Scheme. Posted in: Investment - Articles Posted on: Wednesday Oct 21

Matt Gurden to join the PPF as Chief Actuary The Pension Protection Fund (PPF) has announced that Matt Gurden will join the organisation as Chief Actuary early in 2027. Matt is currently Deputy Government Actuary at the Government Actuary’s Department (GAD). He spent 14 years in the private sector advising pension scheme trustees and sponsors before joining GAD 15 years ago, where he has supported government financial management and helped inform public policy. Posted in: Lifestyle Article Posted on: Wednesday Oct 21

IPT half year total hits near-record £4.53bn According to this morning’s HMRC data, Insurance Premium Tax (IPT) receipts have hit a half year total of £4.53 billion, just £11 million below last year’s record six-month total of £4.54 billion (April-September). Posted in: Life - Articles Posted on: Wednesday Oct 21

Inflation figure of 3.5% takes State Pension above £13,000 September inflation figure of 3.5% confirms average earnings growth of 3.9% will determine the April 2027 State Pension increase, taking the full new State Pension above £13,000 a year for the first time. Government proposals to change the triple lock from 2030 raise fresh questions about the long-term future of State Pension increases. Less than half (49%) of UK adults aged 18 to 65 believe the State Pension will be available to everyone when they retire, down from 51% in 2025. More than half (51%) expect to work beyond State Pension age, rising to 58% of Millennials. Almost half (48%) of those yet to retire feel their retirement finances are driven mainly by factors outside their control Posted in: Pensions - Articles Posted on: Wednesday Oct 21

TPT’s DB Superfund successfully clears regulatory assessment The TPT Retirement Solutions Superfund has achieved a successful outcome following The Pensions Regulator’s (TPR) assessment process.TPT’s Superfund is designed to run on and uses a longer-term and diversified investment approach to create additional value over time, which is intended to be shared with members.TPT has secured capital to fund the first £1bn to £1.5bn of transactions and is in active discussions with prospective schemes. Posted in: Pensions - Articles Posted on: Wednesday Oct 21

Inflation bites as Musks mega merger ambitions fuel SpaceX UK inflation rises to 3.5%, with higher energy prices threatening to keep price pressures elevated into 2027. Markets are pricing in interest rate hikes, but weakening demand and a softer jobs market could limit how far rates need to rise. Public borrowing hits £24.5 billion in September, exceeding both market expectations and the OBR’s forecast, adding to the fiscal fright facing the Chancellor ahead of the Budget. Brent crude remains above $110 a barrel as the conflict in the Middle East deepens, putting energy security back in the spotlight. SpaceX shares surge on a fresh wave of enthusiasm after revenue soars 161% and Musk reveals talks about a potential tie-up with Tesla. Posted in: Investment - Articles Posted on: Wednesday Oct 21

Capital Gains Tax rise ruled out but tax uncertainty remains Commenting, Isabella Galliers-Pratt, Senior Investment Director at Rathbones, says: “The Chancellor's decision to reject calls for an increase in Capital Gains Tax will come as a relief to many investors who have spent months wondering whether they could face a significantly larger tax bill when selling assets. Posted in: Investment - Articles Posted on: Tuesday Oct 20

Riots in France: implications for insurers and London market Comments from Emily Powell, Associate in HCR’s Insurance, Risk & Regulatory Team: “This month's losses will be dealt with under policies as they stand today, not the new regime. Riot coverage varies between insurers and therefore the outcome will depend on the wording of each policy, and wordings can vary considerably. Posted in: General Insurance Article Posted on: Tuesday Oct 20

3 million pension pots lost worth an average of £6,000 each 34% of people who have worked for multiple employers know the full details of all their previous pension pots, while over a quarter (27%) don't know where some or all of them are. The potential value of forgotten savings is significant, with new Pensions Policy Institute (PPI) research estimating that more than three million pension pots are lost across the UK, worth an average of £6,000 each. Posted in: Pensions - Articles Posted on: Tuesday Oct 20

Unlocking Pension Investment in Private Markets Ruston Smith, Chair of the Pensions Management Institute, argues that unlocking greater pension investment in private markets will now depend less on targets and mandates and more on governance, operational capability and a stronger and sustainable pipeline of new rather than re-cycled investable opportunities - highlighting the potential role of InvestConnect in connecting pension capital with UK growth, by creating a UK shop window of opportunities. Posted in: Articles Posted on: Tuesday Oct 20

DWP launches call for evidence on State Pension deferrals The Department for Work & Pensions has this morning announced a new call for evidence around State Pension deferral, as it looks to understand the reasons why people defer their State Pension, their awareness of their options and the outcomes from their decisions. State Pension deferral allows people to delay claiming their State Pension, providing flexibility over when people claim and may result in a higher weekly State Pension when they claim. Posted in: Pensions - Articles Posted on: Tuesday Oct 20

What the 2026 hurricane season means for insurers Commentary from Matthew Bellamy, Underwriting Director, Lloyd's Market Association: While the 2026 Atlantic hurricane season has been incredibly quiet (so far), the same cannot be said for the Pacific. This is in line with the forecast going into 2026 based on the El Niño conditions, but there are still many interesting takeaways from the hurricane season. Posted in: General Insurance Article Posted on: Tuesday Oct 20

Retirement on my mind as more increase pension contributions More than a quarter of consumers (29%) have increased the amount they contribute to their workplace pension in the last 12 months. Similarly, 24% have increased the amount they contribute to their personal pension over the last 12 months. 40% of respondents cite funding their dream retirement as the primary reason for higher contributions Posted in: Pensions - Articles Posted on: Tuesday Oct 20

Start preparing for pensions reform now Director of Defined Contribution and Master Trust Supervision, Kim Goodall-Brown, talks about the upcoming changes brought in by the Pension Schemes Act 2026 - and why schemes need to start preparing now. Posted in: Articles Posted on: Monday Oct 19

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