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Working from home could boost your retirement pot Standard Life analysis highlights how directing savings made from working from home and not commuting could lead to a significantly bigger retirement income Posted in: Pensions - Articles Posted on: Tuesday May 20

US health insurance uptake uncertainty amid Trumps policies Fewer than half of low-income individuals in the US have private health insurance*. Trump’s politics bring uncertainties to the pharmaceutical industry, which will likely translate into higher health insurance rates for consumers, potentially pricing out Americans with lower disposable income, while leaving others underinsured, according to GlobalData. Posted in: Life - Articles Posted on: Tuesday May 20

Car and Home insurance premiums decreases slow down in April The latest General Insurance Price Index from Pearson Ham Group reveals a continued decline in motor insurance premiums through April 2025 but there are signs that the rate of reduction is easing. Posted in: General Insurance Article Posted on: Tuesday May 20

Professional Trustee appointments increase by 8 percent Growth in the number of Professional Trustee (PT) appointments continued over the last 12 months, although at a slower rate than previously seen as the market matures and many pension schemes aiming to buyout and wind up have seen accelerated timescales due to improved funding levels, according to WTW’s latest report. Posted in: Pensions - Articles Posted on: Tuesday May 20

Artificial intelligence and pensions: Cyber risk This is the third in a series that takes a deeper look at areas relevant to U.K. pension schemes and how artificial intelligence (AI) may have a significant influence or impact. Cyber risk is an increasingly important issue in the pensions sector, and its significance is only expected to grow. Earlier this year, a cyber breach pushed Australian superannuation schemes into the spotlight; five pension providers were hit with a series of cyber-attacks, with members of one fund collectively losing $500,000 in retirement savings. Posted in: Articles Posted on: Tuesday May 20

15th anniversary of the Bitcoin pizza worth now over USD1bn Bitcoin pizza day marks the 15th anniversary of the first recorded real-world Bitcoin transaction. Laszlo Hanyecz spent 10,000 Bitcoins on two pizzas. That amount of Bitcoin would now be worth $1.04 billion or £795 million. What can two pizzas tell us about Bitcoin? Posted in: Investment - Articles Posted on: Monday May 19

Walking blind into life changing pension transfer decisions Patrick Heath-Lay, CEO at People’s Pension said: “The FCA’s latest survey confirms what we’ve long warned: people are consolidating their pensions without properly considering what they’re switching into and it’s putting their long-term financial futures at risk. Posted in: Pensions - Articles Posted on: Monday May 19

New TPR service to help innovation in savers interests A new service has been launched by The Pensions Regulator (TPR) to help support innovation in savers' interests and potentially boost economic growth. The service aims to reduce unnecessary regulatory barriers to pensions innovation by enabling early transparent discussions with pensions innovators. Posted in: Pensions - Articles Posted on: Monday May 19

Employers should start preparing now for auto re enrolment Mid to large sized employers – those with 500 to 50,000 employees – should be re-enrolling employees into their workplace pension schemes in 2025 as part of their mandatory three-year requirement, says Hymans Robertson. It’s vital employers prepare properly to undertake this task, despite it being time-consuming, to ensure their employees save for retirement. Posted in: Pensions - Articles Posted on: Monday May 19

How to protect your retirement savings from the tax man 292 people fully encashed a pension of over £250,000 after tax-free cash between October 2023 and March 2024, 70 more than in the previous year – paying a minimum £98,700 each in tax in the process. An additional 1,593 people fully encashed between £100,000 and £249,000, leading to a tax bill of at least £27,400 each. Additional rate tax rise: those fully encashing larger pots in 2023/24 saw a tax increase versus 2022/23. Standard Life provides a guide to tax on pension withdrawals to avoid becoming a big pension taxpayer. Posted in: Pensions - Articles Posted on: Monday May 19

Size is the key factor for pensions choosing an endgame Aon has said that its 2025 Endgame Survey found significant differences in the views of UK defined benefit (DB) schemes on their preferred endgame, largely influenced by the scheme size, the industry sector and the geographical region of the sponsor’s parent company. Posted in: Pensions - Articles Posted on: Monday May 19

6 out of 10 pension dippers shun free Pension Wise guidance FCA Financial Lives survey shows 59% accessing pensions don’t use the guidance service. Just Group says ‘stronger nudge’ to guidance still too weak Posted in: Pensions - Articles Posted on: Monday May 19

The four dimensions of reserving uncertainty This article presents a framework that I have found helpful in working with general insurance firms to better manage their reserving risks. The four dimensions are. The ultimate view of reserving risk. The one-year view of reserving risk. The range of reasonable best estimate reserves. The contribution of claims handling to reserving risk. In this article I will cover the first three dimensions and next time we’ll do a deep dive of the fourth dimension, which is typically the least well understood. Posted in: Articles Posted on: Monday May 19

Broken pension transfer system exposed PensionBee report exposes broken pension transfer system and calls for 10-day pension switch guarantee. PensionBee calls for legislation to end transfer delays that damage trust and harm consumers - reshaping the current system that has rewarded inefficiency and poor practice for far too long Posted in: Pensions - Articles Posted on: Friday May 16

FCA Financial Lives Survey The Financial Conduct Authority (FCA) has found that one in ten people have no cash savings at all, and another 21% have less than £1,000 to draw on in an emergency. The regulator’s research also shows that one in four people in the UK have low financial resilience, meaning that they have missed payments, are struggling to keep up with commitments, or don’t have savings to help them through difficulties. Posted in: Investment - Articles Posted on: Friday May 16

Call for greater clarity on EIOPAs opinion on AI Insurance Europe has shared its views on the European Insurance and Occupational Pensions Authority (EIOPA)’s draft Opinion on Artificial Intelligence (AI) governance and risk management in the insurance sector. Posted in: General Insurance Article Posted on: Friday May 16

Charting the course for open finance The FCA reflect on their recent Open Finance Sprint and map a future of financial services led by adaptability, inclusivity and a user–driven approach. Posted in: Investment - Articles Posted on: Friday May 16

How might the retirement income market change in the future The Pensions Policy Institute (PPI) published the first in a series of reports examining what an assessment of Value for Money (VfM) could look like in the decumulation stage of retirement. Posted in: Pensions - Articles Posted on: Friday May 16

Strategies for defined contribution pension arrangements Three areas of focus that companies can build into their strategy to help their defined contribution arrangements stand up to adverse conditions. Turbulent economic conditions and how employees respond to them can create sustained financial vulnerabilities for organizations with defined contribution (DC) retirement plans. Professional management of pensions can help employers overcome these challenges, supporting effective workforce planning and protecting the value of the investment they are making in their people through plan contributions. Posted in: Articles Posted on: Friday May 16

DWP stats show nearly half a billion underpaid to pensioners The latest figures shine a light on the sheer scale and complexity of the State Pension system. While the overpayment rate for State Pensions remains incredibly low at just 0.1%, that still equates to a staggering £190 million of taxpayers’ money being paid incorrectly. This serves as a reminder of the difficulty of administering a benefit that supports over 12 million people and costs £142 billion a year. Posted in: Pensions - Articles Posted on: Thursday May 15

Assessing the benefits of run on On this panel, Ian Mills, Partner and Head of DB Endgame Strategy at Barnett Waddingham, and the other experts discuss: how run-on strategies could work in practice; key considerations for trustees and sponsors; the potential ways in which sponsors could extract the surplus; the benefits and drawbacks of such strategies compared to insurance-based solutions such as buy-in and buyout; legal and regulatory hurdles to a run-on approach; and investment strategies schemes adopting a run-on could utilise. Posted in: Articles Posted on: Thursday May 15

Aviva complete bulk annuity deal with Andrew Limited Pension XPS Group, a leading UK consulting and administration business specialising in the pensions and insurance sectors, today announces that it has worked with the Trustees of the Andrew Limited Pension and Life Assurance Plan to secure a bulk annuity policy for the pensions of all 570 members. Posted in: Investment - Articles Posted on: Thursday May 15

4 in 10 SMEs strained by sickness absence New research from Canada Life reveals employee illness is regularly impacting small businesses’ productivity, but they don’t necessarily know how to tackle it or where to turn for help. Posted in: Life - Articles Posted on: Thursday May 15

AI and ML in Actuarial and Risk report The LMA has published the findings of a survey on artificial intelligence (AI) and machine learning (ML) use in actuarial and risk, conducted in partnership with Barnett Waddingham. Posted in: General Insurance Article Posted on: Thursday May 15

What we can learn from wave of UK cyber attacks Recent high profile cyber attacks affecting UK organisations serve as a stark reminder that no business is immune from disruption. While having strong governance and regular risk reviews is essential, the reality of managing a live cyber incident is rarely as straightforward as the plans on paper. From communication challenges to operational pressures, incidents like these test organisations at every level. Posted in: Articles Posted on: Thursday May 15

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