Interest in skilled trades is rising, with research suggesting more than one in five people have considered retraining amid debate about AI and automation. Self-employed pension saving remains a major challenge, with the Pensions Commission saying just 4% of people relying solely on self-employment income save into a pension. Standard Life research found one in three (33%) people reduced, paused or stopped contributions after becoming self-employed, while almost one in five (18%) increased them
Aon has announced the appointment of Dr. Fabian Bohnert as EMEA Managing Director of Life Solutions, Strategy and Technology Group, effective immediately.
HMRC estimates that nearly 7.7 million employees in the UK currently use salary sacrifice to make pension contributions. With many benefitting from this arrangement, the Government’s plan to introduce a £2,000 annual cap on contributions has sparked significant debate. Whilst salary sacrifice is not disappearing, the proposed cap creates some important questions about benefit and reward design. The changes could increase employment costs, reduce take-home pay for some employees and create new administrative and communication challenges for employers.
As the FCA's focus shifts from operational resilience implementation to ongoing supervision, its observations are becoming a valuable source of risk intelligence for alternative investment managers. This article explores how firms can use supervisory insights to challenge assumptions, strengthen governance and reassess whether their operational resilience and insurance arrangements remain aligned to an evolving operating model shaped by technology, outsourcing and emerging risks such as AI adoption.
Trump’s Iran manoeuvring is keeping markets on edge, with the US President swinging between threats of further military action and talk of negotiations. The TACO trade is back in play, with investors betting that Trump’s latest threats could ultimately give way to a deal, helping Brent slip back to $98 a barrel. After Andy Burnham's one-to-one, attention is now shifting to Trump’s meeting with Xi Jinping, with a temporary US-China trade deal approaching expiry and both sides looking to extract concessions. Rare earth minerals and semiconductor technology are key bargaining chips, highlighting how trade tensions have increasingly become intertwined with the global technology race.
Default retirement options in new legislation risk exposing millions of UK pensioners to financial losses, according to a new report by BIT (the Behavioural Insights Team), commissioned by the Institute and Faculty of Actuaries (IFoA).
Comprehensive car insurance premiums fell by 1% (£6) during the last three months (1) with UK motorists now paying £713 on average, according to the latest Confused.com Car Insurance Price Index in association with WTW.
Developments in AI are moving rapidly from technical milestones to broader questions about safety, governance and economic disruption. For investors and pension schemes, the implications range from operational and systemic risks to labour-market changes and shifting stewardship priorities. Below, we discuss three recent AI stories and consider their importance from an investment perspective. Recent revelations about the ‘Hugging Face incident’ have intensified debate about AI safety.
HMRC’s latest Capital Gains Tax (CGT) data shows receipts of £198 million for August 2026, compared to the £190 million recorded in August 2025. This follows receipts of £194 million in July 2026.
According to this morning’s HMRC data, Insurance Premium Tax (IPT) receipts have continued to rise in the first quarter of the 2026/27 financial year, bringing the five-month total (April-August) to £4.49 billion, just scraping below last year’s total of £4.50 billion total across the same period by £11 million.
New Standard Life research reveals Britain’s pension personalities. More than a third (36%) of UK non-retired DC pension savers are pension ‘Wingers’, taking a largely hands-off approach to saving for retirement. Younger savers are most likely to be Wingers, with 45% of 18–34-year-olds falling into the group. Just a quarter (26%) of Wingers feel on track for the retirement they want, compared with two thirds (67%) of ‘Planners’. Standard Life analysis shows increasing employee pension contributions from 5% to 8% could add around £95,000 to an illustrative retirement pot over a working lifetime
Latest public sector borrowing figures show Burnham is in an even tighter fiscal bind. Nasdaq surges to a fresh record high, shrugging off AI bubble concerns. Meta’s Muse AI agent hits number 1 for downloads on Apple’s App Store, fuelling fresh enthusiasm around the next phase of AI adoption. Brent crude edges higher to around $102 per barrel after falling for four consecutive sessions. FTSE 100 futures indicate a slightly higher start with energy giants in focus. Uncertainty lingers about the outcome of talks scheduled alongside the UN General Assembly. RAF involvement in defending Saudi underlines the complex nature of the conflict.
The FCA is partnering across sectors to expand protection insurance coverage for millions of unprotected people. While the market is working well for consumers who have protection insurance, millions of people remain unprotected.
The Middle East conflict has introduced material claims cost inflation risk for motor insurers. We explore whether the patterns of excess inflation in 2021–2023 are a guide to the potential impact. As the world re-opened for trade in 2021 following COVID-19, measures of price inflation increased markedly in most major economies, fuelled by a combination of the disruption to supply chains from COVID-19 – disruption that was significant, wide ranging and long-lasting – and by increases in demand following the forced inactivity and reduced spending during the COVID-19 lockdowns.
FTSE 100 set to open higher, clawing back some of Friday’s losses as crude prices retreat on hopes that fresh negotiations could lead to a breakthrough in the Iran conflict. Brent crude has fallen back to around $101 a barrel, easing some of the immediate inflation pressure, although the situation around the Strait of Hormuz remains highly complex and dangerous. Trump-Xi talks on Thursday are firmly in focus, with investors watching for progress on tariffs, rare earth exports and access to advanced US chip technology, although Taiwan and AI tensions remain potential tripwires.
Pensions can represent a large part of a couple's wealth, but their value is not directly comparable with cash or property. A pension may not be accessible for years, its benefits may be taxable, and a defined benefit scheme can provide an income that is difficult to express as a simple capital figure.
The Pensions Regulator (TPR) has published research showing pension schemes want to invest in private market assets, but are facing barriers including capability and knowledge gaps, fees and a lack of suitable investment opportunities.
Millions could soon discover forgotten pension pots as pensions dashboards connection deadline approaches. With just over one month until pension schemes and providers within the legal scope must connect to the Pensions Dashboards Programme ecosystem, PensionBee is urging savers to get organised now rather than wait for dashboards to expose years of forgotten pension savings.
First came the ‘proteinmaxxing’ social media trend, helping gym-goers track every nutritious morsel consumed as part of fitness regimes. Then came ‘sleepmaxxing’, with people sharing how-tos on getting the best night’s kip. People spend several hours a week tracking workout macros or perfecting sleep routines but often consign pension admin to the “too hard to handle” box.
The insurance and long-term savings sector is over a fifth of the way towards its commitment to invest £100 billion in UK productive assets across the next decade, with the latest figures confirming progress of £22.8 billion since 2024. The update report published today by the ABI shows £11.5 billion was invested across 2025.
With nominations closing on 20th September this is your chance to nominate someone for Stars of the Future 2026, sponsored by Star Actuarial Futures. It’s vital to remember that we all started somewhere and becoming an actuary is no easy feat. We relish acknowledging the emerging talent within the actuarial market and celebrate the ones to watch with our Stars of the Future Awards. All the finalists are celebrated and highlighted with three lucky winners taking home an award
Hymans Robertson, PensionBee, Hargreaves Lansdown and MetLife comment as The Bank of England keeps Bank Rate on hold at 3.75%. Policymakers voted 6-3 to make no change, with three members voting for an increase by 0.25 percentage points. The Fed moved first, given the US economy is growing more robustly, with resilient spending, strong productivity and investment, while demand remains weaker across the UK.
Member communications should be treated as a core part of buy-out planning and not simply a ’box-ticking’ activity, warns Hymans Robertson in its paper, ‘Getting member communications right on the journey to buy out’. Its research reveals that for two thirds (67%) of members’ confidence in their pension being paid for life is their top priority and clear communication is key to instilling this confidence.