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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 on Wednesday Sep 9

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 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 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 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 on Tuesday Sep 8

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 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 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 on Monday Sep 7

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 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 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 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 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 on Thursday Sep 3

Savers want best returns wherever their pension is invested

Most pension savers want their money invested wherever the best growth is delivered, and would only want a greater share of their pension fund being allocated towards the UK if this was supported by the prospect of improved returns, according to new PensionBee research.
Posted on Thursday Sep 3

Retirement blind spots risk savers being short at retirement

Over a third of workers over-50 don’t know what to do about pension savings. 64% of retirees cash out tax-free lump sum age 55. One in five (19%) over-50s will only seek advice in year they retire
Posted on Wednesday Sep 2

760,000 matured Child Trust Funds remain unclaimed

Thousands of young adults could be sitting on a forgotten pot of savings as they head back to college and university. As students return to college and university this month, the FCA is urging young adults and parents to check whether they have a forgotten Child Trust Fund waiting to be claimed – potentially worth thousands of pounds.
Posted on Wednesday Sep 2

DB trustees report 34% average rise in scheme running costs

Trustees reported an average increase of 34% in Defined Benefit scheme running costs over the past 12 months. Nearly half (44%) of trustees overseeing schemes with £1bn or more in assets under management reported that their scheme’s running costs had increased by more than 50% over the past year, compared with 7% of trustees overseeing schemes below £1bn. Legal services were identified by 37% of trustees as the area seeing the largest absolute cost increase, followed by technology and data services, cited by 34%.
Posted on Wednesday Sep 2

Could £59 a month turn into £1 million?

As students head back to school, college and university this month, PensionBee urges families to track down £1.5bn in forgotten Child Trust Funds and highlights how starting early could help your child build a substantial pension for the future.
Posted on Tuesday Sep 1

LGPS National Knowledge Assessment registrations now open

Hymans Robertson’s newly updated 2026 National Knowledge Assessment (NKA) is now open to LGPS funds. The assessment has been updated in line with the new mandated training requirements for Committee members of English and Welsh LGPS funds.
Posted on Tuesday Sep 1

PMI launches new evidence-based qualification

The Pensions Management Institute (PMI) has unveiled a new evidence-based qualification to recognise the vital importance of experienced pensions administration professionals in driving better outcomes for savers.
Posted on Tuesday Sep 1

Government must balance member protection on DB surplus

Government must balance member protection and practical usability as consultation closes for DB surplus flexibility reforms. The consultation on DB surplus extraction closes on 2 September. Policymakers urged to avoid ‘pitfalls’ that could erode long term planning and member protections.
Posted on Friday Aug 28

Government must give more guidance on multi-employer schemes

TPT Retirement Solutions (TPT), one of the UK’s leading workplace pension providers, has submitted its response to the Department for Work and Pensions’ (DWP) consultation on Surplus Flexibilities for Defined Benefit (DB) Pension Schemes.
Posted on Thursday Aug 27

DC strategies rebound as providers maintain long-term focus

All growth-phase strategies delivered positive returns in Q2 following a volatile start to 2026. Dispersion in returns continues to highlight the importance of strategic default design. At-retirement outcomes demonstrate the role of diversification alongside equity exposure
Posted on Thursday Aug 27

Comment on FCA AI findings: Pensions are no exception

As the FCA finds young investors increasingly turning to AI, Standard Life research shows 29% of 18-34s have used it for pension and retirement information
Posted on Thursday Aug 27

The retirement reality gap

56% of UK adults feel hopeful or excited about retirement. Just 16% have worked out what they will need and feel confident of getting there.
38% have no idea how much they will need. But nearly half of that group feel confident anyway.
47% put the cost of a comfortable retirement at £30,000 a year or less, at least £15,400 short of the Pensions UK benchmark.
32% of those who feel they started too late say they simply could not afford to engage sooner.

Posted on Wednesday Aug 26