The Artificial Intelligence boom has driven global equity gains, though bubble concerns persist. Strong data use is boosting profit margins, and robust cash flows make the boom largely self-sustaining, but while valuations remain below historical highs, risks remain.
Financial inclusion and capability must go hand in hand. People need knowledge, confidence and support to make informed decisions. There is a gap between access to financial services and the public’s ability to use them effectively. The FCA cannot solve these issues by itself – coordinated action and collaboration is essential to ensure support reaches those who need it most. This is a pivotal moment for financial inclusion and capability. When they are mismatched, it creates points of vulnerability when small decisions carry big consequences.
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.
Canada Life has completed a third pension scheme buy-in transaction worth £41m with drinks maker A.G. Barr p.l.c., preserving the future benefits of 300 pension scheme members.
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
Rachel Reeves made a speech this morning, highlighting the challenges facing the nation’s finances. It’s likely to mean a tough Budget ahead. It could mean a change to income tax, National Insurance or VAT. She also laid out three priorities: cutting NHS waiting lists, cutting the cost of living and getting the national debt down. Five no-regrets moves to protect yourself and your finances.
Aon has released its Q3 2025 Global Insurance Market Insights report. The report finds that insurance buyers are enjoying some of the most competitive market conditions in years, with abundant capacity, broadening coverage and double-digit rate reductions across many lines and regions.
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.
Barnett Waddingham (BW) has appointed Andrew Simpson as a Partner in its Actuarial Consulting team, strengthening its presence in the Scottish and wider UK pensions market.
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…’
Ahead of COP30, HL research reveals strong intent from asset managers on engagement with nature - but limited progress. Resource constraints and data gaps appear to be slowing improvement. 67% of managers are engaging with investee companies on nature-related issues. 11% have set formal nature-related targets. 25% are producing nature-related disclosures. Leaders meeting all three criteria include AXA, LGIM and Schroders.
Morningstar DBRS published a commentary discussing the higher popularity of electric vehicles (EVs) in Europe and the impact on car insurance prices and European insurers’ underwriting profitability.
What changes are underway, and what do they mean for employers and pension scheme members? The UK government has described 2030 as the “watershed date” for its future vision of the defined contribution (DC) pension market to be in place. In the “Roadmap for workplace pensions” issued in June 2025; the government outlined a timeline for implementing a wide range of reforms designed to achieve this vision.
Brings InvestAcc Group’s total Assets under Administration to £9bn, serving over 18,000 customers. Material increase in the scale of the Group: 3,400 new customers, 46 employees, new adviser relationships, and a Manchester office. No changes to clients’ pension schemes, investment holdings or fee structures. Clients and their advisers will continue working with their existing administration teams. Platinum SIPP and SSAS businesses will operate under the new InvestAcc Platinum brand. Evidence of InvestAcc Group’s “buy-and-build” M&A strategy to become the UK’s leading specialist pensions administrator.
FTSE 100 opens down. UK public finances in focus as Budget countdown begins. Housing market resilient despite uncertainty on property tax. Oil prices head for third straight month of declines.
Disruption is now the norm, not the exception. Emerging risks are known but underprioritized; resilience needs embedding into strategy through interconnected risk frameworks, scenarios, and learning. Across industries, leaders face a landscape that is more volatile and interconnected than ever. From cyber-physical convergence to climate extremes, geopolitical fragmentation, and technology-enabled threats, disruption is no longer occasional, it is the baseline.
The general insurance industry in Singapore is projected to grow at a compound annual growth rate (CAGR) of 6.3%, increasing from SGD6.7 billion ($5.1 billion) in 2026 to SGD8.6 billion ($6.5 billion) in 2030, in terms of gross written premiums (GWP), according to GlobalData, a leading data and analytics company.
Today’s final post on Melissa, barring unforeseen changes in the forecast, starts the long process of examining the aftermath of a historic Atlantic hurricane.
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.
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.
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
DB pension schemes must have a robust approach to creating liquidity if they are to stay on course to meet their long-term objectives. Managing liquidity has always been a challenge for DB schemes, but the 2022 gilts crisis brought the need to maintain appropriate liquidity for LDI portfolios and wider scheme objectives into sharp focus, driving seismic changes in the way schemes invest and view liquidity in their portfolios.
Motor switching drops to 33% and home to 36%, Consumer Intelligence data shows. Bad and good experiences with claims are increasingly a reason to change or stay with an insurer.
Employers seeking to plug skills gaps are increasingly in favour of hiring returners and older workers. Three quarters of employers (77%) are worried about staff lacking the skills they need to work. Firms are stepping up investment to retain staff as shrinking overseas and domestic talent pressure pipelines.
Analysis by Rathbones, one of the UK’s leading wealth managers, highlights wider economic consequences of plan in loss to British pension funds. Changes could prompt higher earners to save less, leaving future retirees with smaller pension pots and more reliant on state support