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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

Fraudulent insurance claims continue to top £1 billion The ABI has stressed that the fight against fraud must continue as its annual detected fraud data reveals that £1.16 billion worth of fraudulent general insurance claims were identified in 2024 - a 2% increase on the £1.14 billion detected the previous year. Posted in: General Insurance Article Posted on: Thursday Nov 20

New EU Supplementary Pensions Package The European Commission (EC)’s proposals, published today as part of the Savings and Investments Union (SIU) Strategy, are important steps toward further developing supplementary pensions across the EU. This initiative comes at a critical time as public finances and pension systems across Europe face mounting pressure from demographic change, with a declining ratio of active workers to retirees and profound shifts in the labour market. Posted in: Pensions - Articles Posted on: Thursday Nov 20

Urgent need for investor action on sustainability Rathbones convenes industry to address global challenges, from climate tipping points to modern slavery. First Group-wide Responsible Investment Summit, delivered by Rathbones Greenbank, reflects urgent need for action in aligning long-term wealth with sustainability ambitions Posted in: Investment - Articles Posted on: Thursday Nov 20

No smoke without fire amid billowing salary sacrifice smog Ahead of next week’s Autumn Budget 2025, and with rumours circulating about potential changes to salary sacrifice changes, please see the below comment from David Brooks, Head of Policy at Broadstone about the impacts of this possible reform, if announced. Posted in: Pensions - Articles Posted on: Thursday Nov 20

Master Trusts show climate change policy advocacy progress As COP30 focuses global attention on the policies and intervention needed to deliver a net-zero future, LCP has analysed sixteen of the UK’s largest master trusts, representing over £200 billion in assets. The findings reveal a growing awareness of climate policy advocacy but also highlight key areas where further action is required. Posted in: Pensions - Articles Posted on: Thursday Nov 20

Customers want both Gen AI efficiency and human empathy Generative AI (Gen AI) is transforming how insurance customers interact with their insurers – from researching products and comparing quotes to submitting queries and managing coverage. A new Geneva Association report, Gen AI in the Insurance Customer Journey, provides a global perspective on how customers experience and perceive the increasing use of Gen AI in insurance. Posted in: General Insurance Article Posted on: Thursday Nov 20

With profits funds beat high street savings rates last year With-profits funds delivered an average return of 5.6% in 2024, down from 8.3% in 2023 but beating high street fixed saving rates The biggest differentiator to overall fund performance was allocation to overseas equitiesBW analysis covers approximately £185bn of assets, spread over 82 with-profits funds from 21 insurers. Posted in: Pensions - Articles Posted on: Thursday Nov 20

Two thirds of Administrators involved in pension strategy With forthcoming legislation, from Inheritance Tax on unused pension pots to the 2025 Pension Schemes Bill set to have considerable implications for pensions administration, the Society of Pension Professionals (SPP) recently held an event to examine how administrators can best navigate this raft of new requirements and how scheme advisers can support the smooth running of pension schemes to deliver the best outcome for savers. Posted in: Pensions - Articles Posted on: Thursday Nov 20

Dom Veney appointed Interim CEO of PIC Pension Insurance Corporation plc (“PIC”), a specialist insurer of defined benefit pension schemes, today announces that Dom Veney, PIC’s Chief Financial Officer, has been appointed Interim Chief Executive Officer1. Dom will assume the role on the retirement of Tracy Blackwell, effective 31 December 2025. Posted in: Lifestyle Article Posted on: Thursday Nov 20

Ageing, AI and the revival of industrial policy Fiscal expansion, industrial policy, ageing societies and AI to transform global economy and risk landscape. Global GDP growth to stabilise at 2.5% in 2026 and 2.6% in 2027 with inflation to remain above 2% in advanced economies. Global insurance premiums to grow by 2.3% annually in real terms with life insurance premiums to be on track to reach USD 4.1 trillion by 2027 Posted in: General Insurance Article Posted on: Wednesday Nov 19

Rachel Reeves nightmare before Christmas With just one week left until Chancellor Rachel Reeves’ second Budget, Tom Selby, director of public policy at AJ Bell, comments on the task she faces against a difficult fiscal backdrop: Posted in: Investment - Articles Posted on: Wednesday Nov 19

A 360 Degree Lens on Risk Data and AI This session provides a clear overview of the fundamentals of Risk Engineering and the vital role of real-time, accurate insights to improve portfolio performance, enabling smarter decisions to mitigate claims. The session also addresses how these capabilities & the use of AI to analyse data can support growth in a resource-constrained environment – where market expansion and client expectations for digital are driving evolutionary change. Posted in: Articles Posted on: Wednesday Nov 19

Fiduciary mandate numbers down as endgame focus intensifies Total fiduciary mandates decline, and assets remain flat for the first time since 2008, as UK defined benefit market matures. Buy-ins more than doubled year-on-year, with almost half (48%) of mandate reductions linked to insurance transactions. Seven in ten (72%) fiduciary management mandates have funding levels above 90%, and over one-third (37%) are fully funded – a 44% increase in three years. These trends reflect the market’s maturity and fiduciary managers’ strategic importance as they support more schemes to reach their endgame. Posted in: Pensions - Articles Posted on: Wednesday Nov 19

Preparing for a Budget clampdown on pension salary sacrifice Our experts crunch the numbers and assess what a UK Budget clampdown on pension salary sacrifice might mean for employers and employees. On 8 November, the front page of The Times warned that Chancellor was looking to restrict employees' ability to sacrifice salary in exchange for higher employer pension contributions, saying: "Rachel Reeves is expected to use the Budget to cap the amount that can be sacrificed without incurring National Insurance payments at £2,000 a year". Posted in: Articles Posted on: Wednesday Nov 19

Legal and General announces two senior appointments Emma Holden joins as Chief People Officer. Andy Sinclair joins in the newly created role of Chief Strategy and Investor Relations Officer. Senior appointments to accelerate the delivery of L&G’s growth strategy set out in June 2024. Posted in: Lifestyle Article Posted on: Wednesday Nov 19

Inflation falls ahead of the Budget Standard life and Schroders comment as UK CPI falls to 3.6% in October ahead of next week’s Autumn Budget - but remains well above the Bank of England’s 2% target. Food inflation remains stubbornly high – placing pressure on household budgets and retirement incomes Posted in: Investment - Articles Posted on: Wednesday Nov 19

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