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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 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 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 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 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 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 on Thursday Nov 6

Salary Sacrifice for Pensions

The Society of Pension Professionals: “Changing salary sacrifice arrangements would lead to a reduction in take home pay for millions of employees”
Posted on Thursday Nov 6

LGPS funds in strong support of local investment

There’s strong support for local investment amongst, heads of fund and officers in England and Wales LGPS, but significant practical challenges dominate, according to research from Hymans Robertson.
Posted on Wednesday Nov 5

Twice as likely to save for a holiday as for their pensions

Saving for a holiday is twice as much a priority for UK adults (31%) as saving into a pension (15%), with almost a third (28%) admitting they prefer to ‘live for today’ than plan for tomorrow
Posted on Wednesday Nov 5

LGBTQ+ inclusion in the pensions industry

In the latest of its Inclusive Futures collection of articles, the Society of Pension Professionals (SPP)has published a paper on the subject of LGBTQ+ inclusion.
Posted on Tuesday Nov 4

DB trustees divided on surplus reform as buyout gains appeal

Two fifths of trustees uncomfortable with proposed surplus reforms in Government’s Pension Schemes Bill, new Standard Life research reveals. Trustees split on how sponsoring employees might use funds if released
Posted on Tuesday Nov 4

UK drops another place in Global Pension Index rankings

The UK has dropped another place in the Mercer CFA Institute’s Global Pension Index. The UK’s pension system has been ranked as the 12th best system in the world, dropping one place since 2024. The Netherlands, Iceland and Denmark have held onto their spots in the top three for another year.
Posted on Monday Nov 3

So you have taken your pension tax free cash so what now

What to do with a lump sum and how to build a pension back up. Evelyn Partners experts warn: ‘If you didn’t have a plan or purpose for your tax-free lump sum cash, then you need one to protect it from tax and inflation. Even though you can’t just put it back into your pot, it is still possible to build your pension savings back up…’
Posted on Monday Nov 3

HMRC pension overtaxation claims hit landmark £1.5 billion

Brits reclaimed £48.5 million in overtaxation on pension withdrawals in July, August and September 2025, the latest HMRC figures reveal. Over 13,700 reclaim forms were processed during the quarter, with an average reclaim of £3,539. More than £1.5 billion has now been reclaimed by people overtaxed on pension withdrawals since 2015. How taking a small withdrawal at the start of the tax year could ease overtaxation pain. Alternatively, savers can fill out one of three HMRC forms and get their money back within 30 days.
Posted on Thursday Oct 30

Almost a million retirees miss out on vital Pension Credit

DWP data on Pension Credit take up reveals that up to one million pensioner families could be losing out on an average of £2,600 a year in Pension Credit – benefit income they are eligible to receive.
Posted on Thursday Oct 30

Face the fear this Halloween

One in ten (10%) are too scared to check their pension. Nearly half (47%) believe their retirement finances are influenced by forces beyond their control. For those who check and take action, a 3% pension contribution increase could boost your retirement pot by £26,000. Standard Life offers tips for a less chilling retirement

Posted on Thursday Oct 30

LGPS pension funding now at 146 percent

Funding of the Local Government Pension Scheme has gone from strength to strength, growing to 146% of its total liabilities, according to First Actuarial’s 2025 survey of housing associations’ FRS 102 financial reporting returns.
Posted on Wednesday Oct 29

Pensions going to pot

One in four UK adults (26%) don’t know who their current pension provider is. A quarter (24%) are unaware that changing employers can result in multiple pension pots. Less than a third (30%) have kept track of all their pension pots from previous jobs. Three in five (60%) have never consolidated their pension savings. Two-thirds (66%) have never tried to track down lost pension pots – despite the average lost pot being worth £9,470.
Posted on Wednesday Oct 29

No SPA increase without healthy life expectancy improvement

The State Pension age (SPA) should only be increased if there is a corresponding rise in healthy life expectancy and any increase should be clearly communicated to savers at least 10 years in advance of it being implemented, according to Pensions UK.
Posted on Monday Oct 27

Call for evidence on State Pension Age Review closes

Standard Life and Aegon comment on the Third State Pension Age Review: independent Call for Evidence which closes for submissions today.
Posted on Friday Oct 24

The DC Future Book 2025

This year marks the eleventh edition of the Pensions Policy Institute’s DC Future Book. In keeping with the evolving pensions landscape, this edition takes a new format. Rather than a full report, we are presenting our analysis as a focused slide deck, designed to make the key trends, data, and insights on the Defined Contribution (DC) market more accessible and easier to use.
Posted on Friday Oct 24

National Pension Tracing Day with millions losing out

PensionBee is urging savers to take a few minutes this National Pension Tracing Day (Sunday, 26 October 2025) to check whether they may be missing a pension from a previous job.
Posted on Friday Oct 24

CDC promises much for employees and employers

Commenting on the Government’s CDC consultation response, Jon Hatchett, Senior Partner, Hymans Robertson
Posted on Friday Oct 24

Government won't commit to Pension Tax Lock before Budget

The government has responded to AJ Bell’s petition for a Pension Tax Lock, which has gathered over 18,500 signatures. HM Treasury response refused to confirm any plans regarding pension tax-free cash and tax relief on contributions ahead of the Budget. It instead pointed to the Pensions Commission, which will ‘make recommendations to the government on the broader questions of adequacy, fairness, and sustainability’. Fundamentally changing the terms under which people can access their own money threatens to undermine people’s confidence in long-term saving.
Posted on Thursday Oct 23

Financial services complaints grow and redress up 20 percent

Data released by the FCA finds that in 2025 H1, financial services firms received 1.85m complaints, a 4% increase from 2024 H2 (1.78m). Since 2021 H1, complaints have stayed relatively constant between 1.7m and 2.0m.
Posted on Thursday Oct 23