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Just 8% think current pools and funds denote LGPS end state Local Government Pension Scheme (LGPS) funds and pools are increasingly moving their attention from reform to implementation under the new Fit for the Future initiative, according to the 2026 annual LGPS Survey, published by Schroders in collaboration with Room151. Posted in: Pensions - Articles Posted on: Wednesday Nov 4

Significant governance gaps between small and large pensions Small pension schemes have less developed arrangements to spot and manage risks to members' savings, according to new research by The Pensions Regulator (TPR). The latest report from the regulator found only 27% of small defined contribution (DC) pension schemes have formal governance arrangements in place compared with 94% of large DC schemes and 89% of master trusts. Posted in: Pensions - Articles Posted on: Wednesday Nov 4

Higher pay not enough: 1 in 5 face retirement shortfall risk The Pensions Policy Institute (PPI), the UK's leading independent authority on pensions and retirement policy, has today published its annual update to the UK Pensions Framework, with new modelling showing a fifth (20%) of the UK working population face retirement adequacy risks despite relatively high earnings. Posted in: Pensions - Articles Posted on: Wednesday Nov 4

Poll reveals reveals industry views on retirement solutions New polling from the Society of Pension Professionals (SPP) highlights industry expectations for the future of retirement solutions and priorities for delivering better member outcomes, following its ‘Death of the DC Flight Path’ event this week. Posted in: Pensions - Articles Posted on: Wednesday Nov 4

US midterms spark political shockwaves and fears of AI rout The blue tsunami has swept away the Republican advantage in Congress, significantly weakening Trump's political authority. Democrats look set to take control of both chambers, leaving Trump facing a much more hostile Congress for the remainder of his term. Markets initially appear to be taking the result in their stride, but Asian stocks suffered losses as Democrats are likely to push for greater regulation, potentially slowing the AI juggernaut. Oil prices have been edging higher again with Brent rising back to around $104 a barrel. Posted in: Investment - Articles Posted on: Wednesday Nov 4

AI and the future of compensation: Pricing value AI is changing what work is worth faster than job titles change. Compensation leaders need to shift from pricing jobs to pricing capabilities: Rewarding the skills, judgment and impact people create with AI. That shift depends on trusted market data, consistent job structures and pay decisions they can explain and defend. For decades, compensation programs have been built around relatively stable job capabilities and structures. Organizations defined jobs, evaluated them, benchmarked them against the market and established pay levels. Posted in: Articles Posted on: Wednesday Nov 4

Comment on Government pension plans The Government has today published its Guided Retirement proposals which include plans to bring back pensions that pay an income, often inflation protected, for the entirety of retirement without the need for complex financial decisions. It is also publishing its response to the policy consultation on Retirement Collective Pension Schemes (RCPS), alongside draft regulations to enable providers to offer them as a default pension, which aims to pool risk to deliver stability and growth and providing a fully managed pension people can rely on for life. Posted in: Pensions - Articles Posted on: Tuesday Nov 3

Comments on DWP Guided Retirement Consultation Hymans Robertson, Legal and General, Standard Life and the PMI comment on the Guided retirement: policy consultation launched by DWP Posted in: Pensions - Articles Posted on: Tuesday Nov 3

Motor Insurance Shopping and Switching Trends: H1 2026 The LexisNexis® Insurance Demand Meter U.K. for H1 2026 shows that an average of 403,000 consumers shopped for motor insurance policies each day in the first half of 2026 — about 31,000 more per day than in the first half of 2025. Despite this record level of shopping activity, the proportion of policyholders who switched provider remained at around 22%, broadly in line with 2025. Posted in: General Insurance Article Posted on: Tuesday Nov 3

Resurrecting pensions for millions of private sector workers Hymans Robertson, SPP and Torsten Bell comment on the news from DWP today ‘New plans “resurrect” genuine pensions for millions of private sector workers’, Posted in: Pensions - Articles Posted on: Tuesday Nov 3

Workplace pensions must evolve for younger workers Almost half (45%) say immediate financial pressures are preventing younger workers from prioritising long-term saving. More than a third (37%) believe younger employees increasingly see a comfortable retirement as unrealistic, while 36% say they are less engaged with pensions than previous generations. More than a third (36%) say the pensions industry has not adapted quickly enough to changing workforce expectations. A third (33%) believe better financial education from a younger age could have the greatest impact on future retirement outcomes Posted in: Pensions - Articles Posted on: Tuesday Nov 3

US Midterms, oil creeps up and China moves to calm market Fresh strikes on Iran as the US mid-term elections kick off, with Trump doubling down on his foreign policy despite deep apprehension across Middle America. Oil edges higher, with Brent back above $106 a barrel, although hopes of a diplomatic breakthrough appear to be limiting gains. AI spending concerns continue to weigh on tech sentiment, with investors questioning whether the eye-watering sums being poured into infrastructure will deliver sufficient returns. Apple appears more insulated from the tech sell-off but shares were muted following its latest results showing strong iPhone sales but weaker iPad demand. China moves to calm market jitters. Posted in: Investment - Articles Posted on: Tuesday Nov 3

The cyber threat that insurance cannot simply repair Following the cyber incident involving ASOS, insurance experts Everywhen are warning that compromised customer communications can create consequences extending far beyond IT systems. Posted in: General Insurance Article Posted on: Monday Nov 2

Superfund transfers: Insights for trustees 2026 has been a record-breaking year for superfunds – with Clara completing four deals this year to date, and with the TPT Superfund announcing it has now passed TPR's assessment process, with another potential superfund provider known to currently be in assessment. There is building momentum in the superfund market, and with a total of thirteen schemes now having transferred to Clara, eight of which were advised by LCP. Six of these schemes were in respect of the recent Marelli transfer, but each scheme had its own considerations. Posted in: Articles Posted on: Monday Nov 2

L&G secures £240m full buyin with United Glass Pension Plan Legal and General Assurance Society Limited (“L&G”) today announces the completion of a c.£240 million full buy-in with the Trustee of the United Glass Pension Plan (“the Plan”), securing the benefits of 1,700 members. Posted in: Investment - Articles Posted on: Monday Nov 2

Mini tech rebound but AI jitters as midterm elections loom Investors are bracing for more turbulence as the tech sell-off, mounting questions over AI spending and the US midterms collide. Oil prices have retreated amid renewed diplomatic efforts over Iran, but the threat of further military action is keeping markets on edge. This week's results from Apple, Palantir, AMD and Qualcomm will provide another test of whether eye-watering AI investment is translating into returns. Inflation concerns are keeping central banks preoccupied, with the Bank of England facing a difficult decision as energy costs threaten to become embedded in the economy. Democrats are increasingly tipped to take control of Congress, raising questions over how much of Trump's agenda could be derailed – and how he might respond. Posted in: Investment - Articles Posted on: Monday Nov 2

Triple lock reform: A stronger lock needs a clearer key Why the adjusted triple lock can strengthen confidence in the State Pension. The State Pension triple lock currently increases the basic and new State Pension each year by the highest of inflation, earnings growth or 2.5%. The Government intends to change this from 2029/30. In brief. The adjusted triple lock is a welcome evolution. It keeps annual protection against inflation and the 2.5% floor, while linking the State Pension back to earnings over time. Posted in: Articles Posted on: Friday Oct 30

Responses to TPRs AI guidance SPP, Aon and Sackers respond to The Pensions Regulator's AI Guidance Posted in: Pensions - Articles Posted on: Friday Oct 30

$91 Billion Global Insured Catastrophe Losses by End Q3 2026 Aon has published its Global Catastrophe Recap: Third Quarter of 2026 report, which found that global insured losses from natural disasters reached an estimated $91 billion during the first nine months of 2026. The total was slightly above the 21st-century average of $88 billion, but was the lowest for the period since 2019 and remained well below the $135 billion average of the past five years. Posted in: General Insurance Article Posted on: Friday Oct 30

No Trick and No Treat as The ECB plays it cool Raymond James and Schroders comment as The European Central Bank (ECB) did as expected at the conclusion of its rate-setting Governing Council meeting, keeping all regional rates unchanged including the policy (deposit) rate at 2.50%. Posted in: Investment - Articles Posted on: Thursday Oct 29

Budget 2026 and the Data Centre Covenant Commenting on the Autumn Budget and The Data Centre Covenant, Simon Jones, Head of Responsible Investment, Hymans Robertson says: “Yesterday’s budget suggests that the Government’s long-term commitment to the energy transition remains intact, but that its immediate priorities have shifted towards affordability, delivery and mobilising private capital. Posted in: Investment - Articles Posted on: Thursday Oct 29

Small Pots stronger safeguards Responding to the current government consultation on small DC pension pot consolidation, the Society of Pension Professionals (SPP) has called on the Government to strengthen its proposals, warning that effective implementation will depend on robust safeguards, reliable data and consolidators’ ability to deliver good outcomes for members. Posted in: Pensions - Articles Posted on: Thursday Oct 29

Five missed opportunities in Budget 2026 John Healey failed to reverse complicated and messy changes to IHT on pensions. He decided not to raise the personal allowance for income tax, aside from a workaround for state pensioners. He missed a vital chance to simplify ISAs. He chose not to commit to a pensions tax lock. No change to the repayment threshold for student loans Posted in: Investment - Articles Posted on: Thursday Oct 29

TPR urges schemes to embrace AI opportunities responsibly The Pensions Regulator (TPR) has published new guidance encouraging trustees of pension schemes to explore how artificial intelligence (AI) could deliver better member outcomes while understanding and managing risks. Posted in: Pensions - Articles Posted on: Thursday Oct 29

The Top Annuity Myths Busted Nearly a third (30%) of UK adults aged 50 and over feel annuities are too difficult to understand, with women more likely to feel unsure than men. 17% mistakenly believe annuity funds cannot be passed on after death. One in five (20%) incorrectly believe annuities are only available once they have fully stopped working. L&G has launched a new ‘Annuity Myth Busters’ to address common misconceptions around annuities and how they work Posted in: Pensions - Articles Posted on: Thursday Oct 29

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