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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

Comments on activity in the Bulk Annuity Market over H1 2026 On overall volumes in H1 2026. Sam Matto-Willey, Head of Insurer Due Diligence in Aon’s Risk Settlement Group, said: “The UK bulk annuity market remained as competitive as ever and very active in the first half of 2026. Based on transactions announced to date, we expect bulk annuity volumes for the first six months of 2026 to exceed £10bn. That’s more than in the first half of 2025 when there was £9.7bn of transactions completed. Posted in: Investment - Articles Posted on: Wednesday Sep 9

Terrorism Insurance: 25 Years After September 11 Morningstar DBRS commentary discusses how terrorism insurance backstops have evolved since the September 11 attacks that disrupted the insurance industry and prompted government intervention. Posted in: General Insurance Article Posted on: Wednesday Sep 9

Insurance as a strategic enabler of business growth Growth is built on making bold decisions. But as businesses grow, so does the potential cost of an unexpected event. Insurance is not only there to respond when something goes wrong; it helps provide the financial confidence to keep moving forward when challenges arise. Yet insurance is often viewed as a transactional purchase rather than a strategic business tool. In reality, a well-structured insurance programme sits at the heart of an effective risk management strategy. Posted in: Articles Posted on: Tuesday Sep 8

Comment on artwork worth £8m stolen from Renoir museum Commenting on the story that two thieves broke into the Renoir museum on the French Riviera early this morning, stealing four works of art, Mark Benbow, Head of Fine Art & Specie at Westfield Specialty International, said: "Incidents such as this serve as a reminder that world-renowned artworks remain highly attractive targets for organised criminals because they concentrate significant value into a relatively portable asset. Posted in: General Insurance Article Posted on: Tuesday Sep 8

Put off by student debt? Parents using pension savings to cover the full cost of a child’s university education could have £119,000 less at retirement. For a child studying in London, the potential pension hit rises to £140,000. 11% of parents are financially supporting adult children help with university fees to reduce student debt. Nearly three quarters (74%) of parents supporting adult children say it has affected their own finances Posted in: Pensions - Articles Posted on: Tuesday Sep 8

Comments on latest PPF 7800 figures from the PPF Broadstone and Gallagher comment on the aggregate surplus of the 4,838 schemes in the PPF 7800 Index edged up slightly through August 2026, increasing by £2.3 billion to reach £273.6bn (end of July: £271.3 billion) in surplus. Over the past year, the aggregate surplus has risen by £39.3bn. The funding ratio also grew by 0.4pp from 133.0% to 133.4% at the end of August, while the number of schemes in surplus saw an increase of 17 to 3,838 representing nearly four in five (79.0%) of all schemes in the universe. Posted in: Pensions - Articles Posted on: Tuesday Sep 8

When water becomes the constraint TT Club is urging logistics providers, ports, terminals and cargo owners to treat recurring drought and low-water restrictions as a business continuity risk, rather than an occasional environmental disruption. Posted in: General Insurance Article Posted on: Tuesday Sep 8

PPF publish latest PPF 7800 figures for August 2026 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 Sep 8

The generation that cannot picture retirement 11% of Gen X say they can't picture their retirement at all, more than double the rate of any other generation (5% of Gen Z, 6% of Millennials, 1% of Baby Boomers). 56% of Gen X did not seriously think about their pension until they were 46 or older. Gen X are the most likely generation to feel indifferent about retirement (11%). Nearly half of Gen X (48%) feel they have left retirement planning too late, the highest of any generation. Posted in: Pensions - Articles Posted on: Tuesday Sep 8

Trade and geopolitical tensions add to inflationary concerns Trade tensions are back in focus, with Canada imposing retaliatory tariffs on around $20bn of US goods after trade talks with Washington broke down. Renewed tariff threats are also distorting commodity markets, with US buyers stockpiling copper ahead of possible duties, pushing prices to a record high. Geopolitical tensions are adding another layer of inflation pressure, with the lack of progress in Russia-Ukraine talks raising concerns over Black Sea supplies of wheat. Brent crude is around $97.50 a barrel, close to six-week highs, as renewed US-Iran tensions raise fears of prolonged disruption to Gulf supplies. Posted in: Investment - Articles Posted on: Tuesday Sep 8

A question of surplus Stronger funding positions and the Government's proposed surplus reforms mean more trustee boards and sponsors are thinking about a question that would have seemed unlikely a decade ago: what should happen when there is money left over? Even where a scheme has completed an insurance transaction and members' benefits are secure, agreeing how any remaining surplus should be used is rarely straightforward. The sums involved can be significant, and trustees and sponsors may have different views on the most appropriate outcome. Posted in: Articles Posted on: Monday Sep 7

Dashboard programme could help bereaved families on IHT As Pensions Awareness Week approaches (September 14 – 18) RSM UK says the government’s pensions dashboard programme could hold the key to helping bereaved families identify pension pots of deceased relatives, which may be subject to Inheritance Tax (IHT) from next year. Posted in: Pensions - Articles Posted on: Monday Sep 7

Focus on scale should be to drive better outcomes TPT Retirement Solutions (TPT) has submitted its response to the Department for Work and Pensions’ (DWP) discussion paper on key elements of the Scale Policy. Posted in: Pensions - Articles Posted on: Monday Sep 7

Oil surges, borrowing costs rise as Healey faces tough test Oil surges back above $97 a barrel as the Iran conflict intensifies, putting $100 crude back in sight. Rate-cut hopes take another hit as higher energy prices fuel inflation fears and markets price in further rises from the Bank of England and Fed. Healey faces a tricky growth test, with a £150m fund expected for high-growth firms in northern England at the heart of his regional investment push. Britain’s tech boom remains heavily London-centric, despite £14.4bn of UK venture capital investment in the first half of 2026.The triple lock reignites the intergenerational debate, with growing pressure for reform but also a need for certainty so people can plan how much they need to save for retirement. Posted in: Investment - Articles Posted on: Monday Sep 7

Don't just grow your pension. Help it flourish! People across the UK have a timely reason to focus on their long-term financial security, with Pension Awareness Day taking place on Tuesday 15th September. Yet retirement can feel distant, and many people assume growing a pension is a lengthy chore. That can mean it is neglected altogether. The giant vegetable growers featured in this year's Pension Engagement Season campaign offer a more memorable lesson. Growth doesn’t come from planting a seed and hoping for the best; it comes from putting in consistent time and effort. The same is true of pensions. A few practical actions now can give retirement savings more opportunity to grow over time. Posted in: Pensions - Articles Posted on: Monday Sep 7

Infectious disease and what COVID19 revealed in insurability COVID-19 revealed the systemic nature of pandemic risk, exposing gaps in insurability and showing why foresight must translate into sustained preparedness and resilience. A 2020 global pandemic showed that infectious disease is not just a public health risk, but a systemic shock that challenges the foundations of insurability in an interconnected world. In the years leading up to COVID-19, pandemic risk was not invisible. It appeared in national risk registers, academic research and scenario exercises, and had been considered by some organisations and risk specialists. Posted in: Articles Posted on: Friday Sep 4

Prison for directors behind £70 million pension fraud scam Three men were sentenced today for a £70 million pension fraud scam. Around 3,000 UK investors were persuaded to take money out of their pension funds and invest in a forestry scheme in Costa Rica. The trees were planted, but no plans were made for harvesting them, so they would never have made a return. The case presents a stark warning for anyone contacted by organisations or individuals promising similar outcomes. Posted in: Pensions - Articles Posted on: Friday Sep 4

2,000+ private sector DB schemes to survive the next decade With new ideas and innovations reshaping scheme design, funding strategies and endgame planning across the DB market, the Society of Pension Professionals (SPP) held a webinar on the evolving DB market. Attendees were asked approximately how many UK private sector DB schemes they thought there will be in 2035, compared to the roughly 5,000 private sector DB schemes currently in existence. Posted in: Pensions - Articles Posted on: Friday Sep 4

Early planning key as DB surplus choices become more complex New analysis from LCP sheds light on how trustees and sponsors are approaching surplus distribution as schemes move towards wind-up. With proposed changes to DB surplus flexibilities potentially widening the options available to schemes, LCP says it will be increasingly important for trustees and sponsors to understand the approaches being taken elsewhere, while taking account of their own specific circumstances. Posted in: Pensions - Articles Posted on: Thursday Sep 3

Charity DB schemes must prioritise endgame decisions UK charity pension schemes must shift their focus from deficit recovery to long-term strategic decision-making, including endgame, as many are now either in surplus or approaching full funding, says Hymans Robertson as it releases their annual analysis into the sector. Posted in: Pensions - Articles Posted on: Thursday Sep 3

FCA bans and fines Daniel Thomas for pension transfer advice Mr Thomas has referred his Decision Notice to the Upper Tribunal where he will present his case. Any findings in the Decision Notice are therefore provisional and reflect the FCA’s belief as to what occurred and how it considers his behaviour should be characterised. The FCA will take no action against him until the Tribunal reaches its decision, which will be published on its website. Posted in: Pensions - Articles Posted on: Thursday Sep 3

Insuring an income in retirement You don’t need to work in insurance to appreciate its value. Most of us will take out insurance over our lifetime to provide compensation for when bad things happen. If we lose our phone, crash our car, our house is lost to fire we can receive compensation that helps us get back on our feet. When it comes to our health we can insure against ill health, and if the worst happens, life insurance is designed to pay out an amount to our loved ones if we were to die. Posted in: Articles Posted on: Thursday Sep 3

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