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Comments on FCA proposals on navigating financial lives Aviva, Just Group, Standard Life, Scottish Widows and the ABI comment on FCA proposals on navigating financial lives Posted in: Investment - Articles Posted on: Monday Jun 30

Bulk annuity pricing for pensions at best level for 2 years Aon has said that the UK defined benefit pension scheme bulk annuity market is seeing the best pricing for over two years. Posted in: Pensions - Articles Posted on: Monday Jun 30

CMI Model shows rise in cohort life expectancy The Continuous Mortality Investigation (CMI) has released the latest annual update to the CMI Mortality Projections Model, CMI_2024. The CMI Model is used by UK pension schemes and insurance companies which need to make assumptions about future mortality rates. Posted in: Life - Articles Posted on: Monday Jun 30

FCA proposals for millions to navigate their financial lives Millions more people could get help navigating their financial lives with support on pensions and investments, under proposals announced today by the Financial Conduct Authority (FCA). Posted in: Investment - Articles Posted on: Monday Jun 30

Equity. When you've got FX and you want it hedged its equity FX hedging is a perennial question, in part because it’s often difficult to answer and the evidence is ambiguous. For lower risk assets, it makes sense to hedge FX. But what about equities? Equities introduce complications. Firstly, the revenues of companies in one index are rarely all in a single currency. The FTSE 100 is an obvious example of this, with a lot of mining firms whose earnings are effectively in USD. But even for US firms this can be the case. Posted in: Articles Posted on: Monday Jun 30

Royal London secures buyin with Milliken Industrials Pension Buy-in deal is for £44 million and covers around 500 members. The trustees were advised by Barnett Waddingham and Eversheds Sutherland, Royal London was advised by Mayer Brown Posted in: Investment - Articles Posted on: Friday Jun 27

Alarms flashing red for pension savers New analysis finds urgent need for improvements in contribution levels, investment performance, fee awareness and saving timelines. Long-term retirement security at risk for many as understanding and knowledge remains low Posted in: Pensions - Articles Posted on: Friday Jun 27

Embracing the next chapter in iliquids in DC The role for private markets in DC is finally clear – but poor execution can be catastrophic. Read on to learn how you can drive up value for your members by getting the right mix of private assets, identifying key capabilities for your managers, and making sure your operating model is fit for the future. Since the Mansion House Compact two years ago, private markets have moved from the fringes to play a more central role in delivering value for members of DC workplace pension schemes; a shift we welcome. Posted in: Articles Posted on: Friday Jun 27

Jes Staley ban upheld over relationship with Jeffrey Epstein The Financial Conduct Authority’s (FCA) decision to ban Jes Staley, former CEO of Barclays, from holding senior management roles in the financial services industry has been upheld by the Upper Tribunal. Posted in: General Insurance Article Posted on: Thursday Jun 26

Do not be left high and dry this summer Aviva is urging caution as data reveals a correlation between warm weather and fire claims. Number of garden fire claims is already significantly higher in April and May this year, overtaking every other month in 2024. Lightning claims are also increasing. Average claim for fire involving a garden is valued at almost £16,000. Research shows that one in eight (12%) worry about fire safety during hot weather Posted in: General Insurance Article Posted on: Thursday Jun 26

7 California wildfire lessons learnt for European insurers The devastating January 2025 wildfires in Los Angeles, which destroyed over 16 000 structures and caused insured losses of approximately USD 40 billion, offer critical insights for insurers across the UK and Europe. Posted in: General Insurance Article Posted on: Thursday Jun 26

PIC completes 3 buyins with Baker Hughes Pension Insurance Corporation plc (“PIC”), a specialist insurer of defined benefit pension schemes, has concluded simultaneous buy-ins with three schemes sponsored by Baker Hughes (“the Company”): the Baker Hughes (UK) Pension Plan, the Brush Group Pension Scheme, and the Pipeline Integrity International (PII) Group Pension Scheme. The buy-ins cover liabilities of £900 million and secure the pensions of over 3,000 pensioners and dependants, and nearly 4,000 deferred members. Posted in: Investment - Articles Posted on: Thursday Jun 26

Consultation on climate related transition plan Following the Government’s announcement of its consultation on climate-related transition plan requirements, Claire Jones, Partner & Head of Responsible Investment at LCP, shares her thoughts below. Posted in: Investment - Articles Posted on: Thursday Jun 26

Call for simplification of EU cybersecurity regulation Insurance Europe has welcomed the European Commission’s review of the Cybersecurity Act (CSA) and the forthcoming digital omnibus initiative, supporting the objective of simplifying regulation, reducing administrative burdens, and ensuring a proportionate, risk-based approach. Posted in: General Insurance Article Posted on: Thursday Jun 26

The Benefits of Buyout Deepash Amin FIA, Head of New Business Strategy from Pension Insurance Corporation: “Pensions have a single purpose, which is to provide savers with a measure of financial security in later life. So, it’s of the highest importance that the interests of the people putting aside their own money for decades are prioritised above those of anyone else. In the world of defined benefit pensions, that means prioritising the security of those savings over everything else, not least because very many of the members of DB schemes are potentially vulnerable. This document, which we are delighted to publish, looks at these issues and seeks to give a voice to pension scheme members themselves. Posted in: Articles Posted on: Wednesday Jun 25

QR codes may be convenient but they can also be dangerous A new cyber threat for the unwary, deliberately aimed at exploiting the desire for convenience, is out there and trapping victims. Cybercriminals are actively corrupting QR codes with fake replacements, which have malicious links embedded in them. This is known as ‘Quishing’. When the unsuspecting victim scans the QR code, it takes them to a malicious website or downloads harmful malware onto the victim’s device which prompts them to input payment details. Posted in: General Insurance Article Posted on: Wednesday Jun 25

Transfer Value Index hits third consecutive record low XPS Group’s Transfer Value Index fell to a new month-end low in May 2025, the third consecutive monthly record. The Index fell to £137,000 during the month, matching the mid-month low seen in April 2025. This decline reflects small increases in gilt yields across the month, whilst future inflation expectations have remained stable. Posted in: Pensions - Articles Posted on: Wednesday Jun 25

Could your finances have a fallow year like Glastonbury The Pyramid Stage is up, and the fringe events are beginning - but for the last time in two years, as Glastonbury has announced that 2026 will be a fallow year. While disappointing for music fans, next year is a chance for the Somerset fields (and around 210,000 festival lovers) to rest and recover – and Standard Life, part of Phoenix Group, suggests considering a similar approach to your finances. Posted in: Investment - Articles Posted on: Wednesday Jun 25

HMRC policy change broadens VAT recovery for DB pensions HMRC has introduced a more generous VAT policy that will allow some businesses to recover more VAT from defined benefit (DB) pension schemes they support. However, with complex rules and documentation requirements, Richard Holm, tax partner at RSM UK, examines the new policy in more detail, and the potential tax implications for employers and trustees. Posted in: Pensions - Articles Posted on: Wednesday Jun 25

Five hacks to generate GBP16K of tax free income Households can bring in over £16,000 in tax-free income using these tax breaks. Couples where one is a non-taxpayer can benefit from full marriage allowance and £5,000 tax-free interest on cash savings. Rent-a-room and trading allowance offer up to £8,500 tax-free income. Tax-free childcare remains underused, despite 20% subsidy available to working parents Posted in: Investment - Articles Posted on: Wednesday Jun 25

Optimism over Iran ceasefire holds despite some doubts Equity markets largely trade higher as fragile ceasefire holds. More nervousness creeping in amid reports Iran retains significant nuclear capability. Brent Crude prices edge up amid the uncertainty and industry data indicating tighter supplies in the market. NATO summit in The Hague is set to wrap up with big pledges on increasing defence funding. Posted in: Investment - Articles Posted on: Wednesday Jun 25

From reform to action redefining your DB endgame strategy The Pension Schemes Bill, introduced to Parliament on 5 June 2025, represents one of the most significant shifts in defined benefit (DB) pensions in recent years. Join our expert panel for a considered and strategic briefing on: What surplus repayment powers really mean for DB schemes and their sponsors. How these reforms could affect investment, funding and endgame planning. What actions trustees and sponsors should be considering today. Posted in: Articles Posted on: Wednesday Jun 25

Housing costs halve the chance for minimum retirement income People who pay rent in retirement have a substantially lower likelihood of achieving the Minimum standard of living in retirement, as measured by the latest Pensions and Lifetime Savings Association’s (PLSA’s) Retirement Living Standards (RLS), according to analysis by Hymans Robertson. The firm used its Guided Outcomes (GO)TM Modelling technology to calculate the chance of various members achieving different levels of retirement income under the PLSA’s recently revised RLS. Posted in: Articles Posted on: Tuesday Jun 24

Changing a big hitting tax may raise billions but at a cost Adding 1p on basic rate income tax could raise £6.9 billion more in 2026/7, £8.25 billion in 2027/8 year and £8.2 billion in 2028/9. Adding 1p on higher rate income tax could raise £1.6 billion more in 2026/7, £2.15 billion in 2027/28 and £2.1 billion in 2028/9. Raising the main rate of Class 1 National Insurance for employees by 1p could raise £5.35 billion in 2026/7, £5.3 billion in 2027/8 and £5.4 billion in 2028/9. Raising the standard rate of VAT by one percentage point could raise £8.8 billion in 2026/7, £9.2 billion in 2027/8 and £9.55 billion in 2028/9. Posted in: Investment - Articles Posted on: Tuesday Jun 24

Wildfires are a growing global threat Allianz Commercial report highlights wildfire hazard trends and stresses the need for companies to be aware of how their assets and operations could either initiate or be affected by a wildfire. The increasing severity and frequency of wildfires, coupled with the growing number of people affected, has driven a significant rise in related losses – becoming six times more expensive over a decade. Regulatory challenges and litigation related to wildfire liabilities are also on the rise, necessitating robust risk management strategies and well documented wildfire management plans. Technological innovations are enhancing detection and suppression capabilities. Posted in: General Insurance Article Posted on: Tuesday Jun 24

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