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Cash ISA allowance may be cut from £20,000 to £12,000 The government is reportedly planning to cut the cash ISA annual allowance to £12,000. HMRC says around 15 million adult ISAs were subscribed to in 2023/24 – just under 10 million of which were cash ISAs. It has been a record tax year so far for the number of people paying into HL cash ISAs - as well as HL stocks and shares ISAs, JISAs and LISAs. Posted in: Investment - Articles Posted on: Tuesday Nov 25

£4,000 extra tax from extended thresholds freeze High earners could pay over £4,000 more tax a year without any real boost to their purchasing power if Chancellor Rachel Reeves extends the current income tax threshold freeze until 2030 in tomorrow’s Budget, according to new analysis by Rathbones, a leading UK wealth and asset management firm. Posted in: Investment - Articles Posted on: Tuesday Nov 25

Climate Change scenarios over the next 75 Years 600,000 more properties at high risk of flooding by 2100. Insurance providers demand realistic Representative Concentration Pathways (RCP) scenarios. Climate change data launched to help predict long term risks in property and motor Posted in: General Insurance Article Posted on: Tuesday Nov 25

The Budgets expected impact on the gilts market Speaking ahead of the budget tomorrow, Chris Arcari, Head of Capital Markets, Hymans Robertson, said: As we close in on the budget, gilt yields are about 15-20bps off their autumn lows. Posted in: Investment - Articles Posted on: Tuesday Nov 25

AI is rewriting the rules for commercial lines Discover how AI is transforming commercial insurance by improving efficiency, enhancing decision-making, and building resilience across underwriting, claims, pricing, and portfolio management. Commercial lines insurance is changing—not with loud announcements or flashy tech demos, but through quiet, meaningful shifts in how work gets done. Much of this progress is driven by teams applying AI tools to everyday tasks. Underwriters are spending less time wrangling documents and more time thinking critically about risk. Posted in: Articles Posted on: Tuesday Nov 25

Investment Outlook 2026 across public and private markets Schroders’ experts have today shared their comprehensive 2026 outlooks across public and private markets, highlighting the opportunities and challenges investors face in light of significant geopolitical and economic developments. Posted in: Investment - Articles Posted on: Tuesday Nov 25

PRAs LIST demonstrates resilient bulk annuities market Commenting on the PRAs Life Insurance Stress Test (LIST), Lara Desay, Partner and Head of Risk Transfer said: “On 24 November 2025, the Prudential Regulation Authority (PRA) published individual findings from its latest LIST. The 2025 exercise marks a significant milestone as it is the first under the Solvency UK regime and focuses on the eight largest bulk annuity providers. Posted in: Investment - Articles Posted on: Tuesday Nov 25

Insurance customers turn to credit as they pay monthly Using credit to pay for insurance continues to gain popularity and nearly half value the ability to pay monthly, Premium Credit research shows. More than one in four worry their ability to pay bills will deteriorate in the next 12 months Posted in: General Insurance Article Posted on: Tuesday Nov 25

Billions left exposed to tax 5.2 million adult non-ISA savings accounts generate enough interest to breach basic-rate personal savings allowance threshold of £1,000. Rises to nine million accounts for higher-rate taxpayer threshold of £500. Government expected to generate £6 billion in savings interest tax this financial year Posted in: Investment - Articles Posted on: Monday Nov 24

Divided on future of pension tax relief as confusion grows Public opinion on the future of pension tax relief is sharply divided, according to new research from PensionBee - with views split along age and income lines, and even unexpected support for reform among the highest earners. Posted in: Pensions - Articles Posted on: Monday Nov 24

Taxation of pension surplus payments Much of the discussion over recent weeks has focused on potential changes to the amount of tax free cash members can withdraw (though this has reportedly been ruled out by the Treasury) and more recently on abolishing, or perhaps more likely limiting, salary sacrifice arrangements for pension contributions (the latest rumours suggest a £2,000 cap is anticipated). Posted in: Pensions - Articles Posted on: Monday Nov 24

Working overtime then consider your pension for £134k boost Directing just £200 a month from overtime into your pension could grow into a six-figure boost for your retirement savings. Those who work overtime for a limited period could also see significant benefit - an individual contributing an extra £200 a month between ages 30 and 45 could still see their pension boosted by £52,000. Income tax thresholds could be frozen for longer at the Autmn Budget - using overtime to top up your pension could protect your earnings from the impact of higher tax bands Posted in: Pensions - Articles Posted on: Monday Nov 24

The resilience of an aging world With global populations over 65 expected to double by 2050, aging is often seen as a risk multiplier. Yet it can also be a source of resilience. During societal contingencies, most older people need more help than others, because physical frailty is a fact of life. But senior citizens also have crucial skills, not least because they have spent most of their lives in an era during which digital tools and solutions didn’t exist. Posted in: Articles Posted on: Monday Nov 24

DB Endgame planning gains pace but challenges remain Market volatility remains the top concern, cited by one in three (33%) trustees. Data quality and illiquid assets continue to shape readiness for endgame transactions, according to one-third (31%) of trustees. Confidence is increasing as nearly one in five (17%) schemes report no barriers to endgame planning Posted in: Pensions - Articles Posted on: Monday Nov 24

Treasury confirms 4.8% Triple Lock increase The Treasury has confirmed that it will increase the State Pension by 4.8% for 2026/27 under the earnings trigger of the Triple Lock mechanism. Posted in: Pensions - Articles Posted on: Monday Nov 24

Report on DEI in pensions and the wider business world The Society of Pension Professionals (SPP) has today published a comprehensive Diversity, Equity & Inclusion paper, “Inclusive futures” which covers Social Mobility, Neurodiversity, LGBTQ+, Disability, Gender and Ethnicity. Posted in: Pensions - Articles Posted on: Monday Nov 24

Employers must take lead in retirement adequacy crisis Employers will end up taking most of the responsibility for helping to solve the retirement adequacy problem if we are to see real and impactful change in retirement outcomes, according to a new paper by Hymans Robertson. Posted in: Pensions - Articles Posted on: Friday Nov 21

Lots of noise but little signal from recent US data Marcus Jennings, Fixed Income Strategist, Global Unconstrained Fixed Income, Schroders, explains why now the US government shutdown is over, we expect the fog clouding the view of the economy to gradually lift. Posted in: Investment - Articles Posted on: Friday Nov 21

How to unlock true value from workplace pensions Workplace pensions are one of employers’ most powerful tools to support their people’s financial wellbeing, engagement and long-term retention. But despite often being the single largest employee benefit cost, many schemes run on autopilot - offering limited insight into the value they deliver for the business or its people. Employers stand to gain far more when they treat pensions as a strategic asset with significant value and not just another expense on the balance sheet. Posted in: Articles Posted on: Friday Nov 21

DC Pension Tracker Q3 2025 The Aon UK DC Pension Tracker fell over the quarter, with the younger savers seeing decreases in their expected outcomes, while the older members’ expected retirement income increased slightly over the quarter.The April increase in the state pension improved the position for all savers but this was offset by changes to the Pensions UK Retirement Living Standards Posted in: Pensions - Articles Posted on: Friday Nov 21

5 steps for your financial future if taking a career break Whether it’s due to starting a family, taking a break from work, recovering from injury or illness or retraining for a new profession; around half of women have taken a career break at some point in their lives, compared to just one in five men. Posted in: Lifestyle Article Posted on: Friday Nov 21

APAC life insurance industry to reach $1.6 trillion by 2029 The Asia-Pacific (APAC) life insurance industry is projected to grow at a compound annual growth rate (CAGR) of 7.3%, from an estimated $1.2 trillion in 2025 to $1.6 trillion in 2029, in terms of written premiums, according to GlobalData, a leading data and analytics company. Posted in: Life - Articles Posted on: Friday Nov 21

IHT remains goldmine and set for record year as Budget looms Just Group comment on the latest HMRC update showing that Inheritance Tax (IHT) receipts totalled £5.20 billion through the first seven months of the 2025/26 financial year (April to October). Posted in: Investment - Articles Posted on: Friday Nov 21

IPT receipts hit £5.52bn exposing a growing contradiction Broadstone comment on the latest HRMC data showing Insurance Premium Tax (IPT) has collected £5.52 billion through the first seven months of the Financial Year (2025/26). Posted in: General Insurance Article Posted on: Friday Nov 21

Engagement - the underused risk management tool Defined contribution pension schemes are seen as low risk for employers, but if staff don’t understand and appreciate them, the risks can add up. With the rise of defined contribution (DC) pensions, many of the risks associated with building and managing adequate retirement savings have been transferred to individuals. However, this doesn’t make DC a no-risk option for employers. For instance, if a lack of savings means people can’t retire, this can introduce succession and workforce management challenges for their employers. Posted in: Articles Posted on: Thursday Nov 20

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