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Building resilience in derisking strategies for DC members The traditional model of derisking defined contribution (DC) pension schemes into default investment strategies is increasingly out of step with how today’s members retire, says Hymans Robertson, as it launches its first paper Building resilience in de-risking strategies for UK DC members, in the firm’s new DC Futures series. Posted in: Pensions - Articles Posted on: Friday Dec 12

FCA propose new interactive digital pension planning tools Alongside targeted support proposals, the FCA also launched a Consultation Paper containing a package of proposals to help consumers navigate their financial lives and support growth. Posted in: Pensions - Articles Posted on: Friday Dec 12

2026 M&A Outlook with 5 trends firms should track for 2026 Buyers have learned to normalise and move through uncertainty, supported by lower financing costs and increased confidence in future growth prospects. As we approach the close of 2025, the global mergers and acquisitions (M&A) landscape is buzzing with renewed optimism. Our latest WTW research, conducted in partnership with the M&A Research Centre at Bayes Business School, reveals that dealmakers have significantly outclassed companies not involved in M&A during the first nine months of this year, based on share price performance. Posted in: Articles Posted on: Friday Dec 12

FCA fines Nationwide £44m for financial crime failings The FCA has fined Nationwide Building Society £44m for inadequate anti-financial crime systems and controls between October 2016 to July 2021. During this period, Nationwide had ineffective systems for keeping up-to-date due diligence and risk assessments for all its personal current account customers and for monitoring their transactions. Posted in: Investment - Articles Posted on: Friday Dec 12

FCA targeted support could help tackle investment scams RSM UK comment on the FCA announcement to offer targeted support which could help around 18m investors over the next decade. Posted in: Investment - Articles Posted on: Friday Dec 12

Living in a fools paradise says former Pensions Minister Former Pensions Minister Sir Steve Webb (Partner at LCP), today speaking at the Society of Pension Professionals (SPP) webinar on the State Pension and its interaction with occupational pension schemes, drew attention to the issue of pensions adequacy. Posted in: Pensions - Articles Posted on: Thursday Dec 11

Milestone for building a retail investment culture delivered The Government and the FCA have published their final approach to a new regulated activity of ‘targeted support’. This will enable firms to guide consumers to investment and retirement solutions which suit their circumstances. Targeted support will bridge the advice gap and is a vital part of building a retail investment culture. Understanding how targeted support interacts with other initiatives at retirement will be key to help simplify decision making for consumers at this stage of life. Posted in: Investment - Articles Posted on: Thursday Dec 11

Policy makes a difference says Pensions Minister The Minister for Pensions, Torsten Bell MP, addressed a full house of finance, HR and pension professionals at a lunch event hosted by Quantum Advisory at the Twenty Ten Clubhouse, Celtic Manor Resort in Newport on 4 December. Posted in: Pensions - Articles Posted on: Thursday Dec 11

7% of employers see salary sacrifice change making an impact 30% of schemes currently pass some or all of NIC savings to members. 13% of schemes believe it’s highly likely they will need to review current pension contribution structures following the budget Posted in: Pensions - Articles Posted on: Thursday Dec 11

Generations divided over Autumn Budget New Standard Life research exposes generational divide and mounting concern over future pension affordability. A third (33%) of high earners are very concerned about the changes to salary sacrifice. Almost half (46%) of those who report concern about the salary sacrifice changes worry about having less incentive to save for retirement. Over 55s significantly less supportive of extending the income tax threshold freeze – Standard Life analysis shows basic rate taxpayer would be £1,476 worse off in 2031 Posted in: Investment - Articles Posted on: Thursday Dec 11

The Purple Book 2025 Webinar In this exclusive webinar, Professional Pensions editor, Jonathan Stapleton, is joined by our Chief Actuary, Shalin Bhagwan, and our Actuary, James Emmott, to discuss the latest edition. Our annual Purple Book provides a comprehensive picture of the defined benefit (DB) pensions landscape in the UK. This webinar, accompanying the launch of this year's edition, will provide insights on key trends and emerging themes around scheme funding, demographics, and evolving asset allocations. Posted in: Articles Posted on: Thursday Dec 11

The regulatory future for sole trustees Last month the Association of Professional Pension Trustees (APPT) published its revised sole trustee code of practice, effective from 1 January 2026. The new code has had input from the Pensions Regulator (TPR) and the APPT’s 450 members. The code has been revised to reflect the maturing sole trustee market. It no longer has wording about it being voluntary, and there is now a requirement to follow the code, except in exceptional circumstances where doing so would conflict with trustees’ overriding duties. The code still has no statutory force. Posted in: Articles Posted on: Thursday Dec 11

FCA introduction of Targeted Support Over the next decade at least 18 million people could be offered extra help with their investments and pensions with the introduction of targeted support by the Financial Conduct Authority (FCA). Posted in: Investment - Articles Posted on: Thursday Dec 11

Motor Insurance Taskforce Report The Department for Transport and HM Treasury today published the Final Report and Actions from its Motor Insurance Taskforce. Posted in: General Insurance Article Posted on: Wednesday Dec 10

Self employed working 4 years longer to fill retirement gap Fidelity International launches ‘No boss, No Pension’ campaign to raise awareness about the critical retirement savings gap facing UK entrepreneurs. Fidelity’s analysis highlights the growing self-employed pension gap, as entrepreneurs face the prospect of working for four years longer than employees to achieve the same retirement income. The average employee aged 45–54 has £70,800 in pension savings, compared with just £3,300 among the self-employed, government data shows. One in eight UK workers (13%) are self-employed, yet they receive only 2% of total pension income tax relief Posted in: Pensions - Articles Posted on: Wednesday Dec 10

Happy Fed Day for global markets Markets are mixed as global markets await the Fed decision, with the S&P 500 falling yesterday while the NASDAQ gained. A 25bps cut is baked into markets, and any deviation will cause considerable upset. Bank of America jobs inflation analysis shows wage growth is unequally distributed. Data from NielsenIQ reveals Brits are due to spend £20bn on groceries this Christmas – but affordability reigns. Posted in: Investment - Articles Posted on: Wednesday Dec 10

Canada Life complete full buyin with Comet Pension Scheme Canada Life UK has completed a £330 million full-scheme buy-in transaction with the Comet Pension Scheme, securing the future benefits of 4,500 pension scheme members. Posted in: Investment - Articles Posted on: Wednesday Dec 10

Savers turn to Facebook groups on retirement decisions Ten years after Pension Freedoms promised greater choice for savers, new research from People’s Pension reveals people approaching retirement are turning to Facebook groups to help understand their retirement options and make decisions about their pension savings, despite knowing the information they find online may not always be correct. Posted in: Investment - Articles Posted on: Wednesday Dec 10

Cost of climate change for the European Insurance Industry Research by Ortec Finance has found that insurers must drastically rethink their approach to investment if they are to avoid catastrophic losses from climate change. Posted in: Investment - Articles Posted on: Wednesday Dec 10

Funding slips slightly in November but remains resilient Fully hedged scheme sees funding position decrease by 0.8 percentage points to 71.7% through November. 50% hedged scheme sees fall of 0.7 percentage points to 108.4%. Minimal volatility during the month in the run up to and following the Budget Posted in: Pensions - Articles Posted on: Wednesday Dec 10

Comments as the FCA confirm changes to simplify rules Broadstone and The LMA comment as the FCA confirm changes to simplify its rules and lower costs for insurers, while maintaining appropriate levels of protection for smaller commercial customers. The final rules aim to give more flexibility and responsibility to insurance firms, such as determining the frequency of their product reviews and how much continual professional development (CPD) staff should undertake. Posted in: General Insurance Article Posted on: Tuesday Dec 9

Insurance in an Era of Escalating Climate Risk Climate change is happening, right here, right now. From record-breaking storms to heatwaves, the UK and Ireland are facing climate-driven risks that are both immediate and could rise in the long-term, depending on if and by how much carbon emissions are cut. Insurance providers must therefore equip themselves with data that tells them about today’s risks and how those risks could escalate in the decades ahead. Posted in: Articles Posted on: Tuesday Dec 9

SPP on proposals for LGPS Access and Protections The Society of Pension Professionals (SPP) has responded to the current MHCLG consultation on access and fairness within the Local Government Pension Scheme (LGPS) in England and Wales. The public consultation closes on 22nd December 2025. Posted in: Pensions - Articles Posted on: Tuesday Dec 9

Industry comments on PPF7800 figures for November 2025 Broadstone and Gallagher comment on latest PPF7800 figures for November showing the aggregate surplus of the 4,838 schemes in the PPF 7800 Index increased by £2.7 billion through November 2025 and £22.1 billion across the last 12 months, rising to £257.6 billion in surplus. Posted in: Pensions - Articles Posted on: Tuesday Dec 9

TPR spotlights strong administration for good outcomes New guidance consolidates all administration expectations for trustees, scheme managers and administrators at a pivotal moment for the pensions industry. Posted in: Pensions - Articles Posted on: Tuesday Dec 9

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