Hargreaves Lansdown, Schroders, XPS Group, Standard Life and Hymans Robertson comment as Bank of England holds rates at 3.75% as policymakers adopt a cautious stance. Rising energy prices linked to Middle East conflict set to add inflationary pressure, complicating the path to rate cuts. Outlook remains uncertain, with some now warning a rate hike could still be possible later this year.
As global terrorism threats become more complex and widespread, the need for comprehensive risk management and insurance solutions, including terrorism insurance coverage, has never been greater, according to Marsh.
Small pension pots are back in the spotlight. The government has made consolidation a central feature of the Pension Schemes Bill, aiming to make pensions simpler to manage and better value for savers. With around 13 million deferred small pots in the system and the number rising each year, action is overdue. But while reform is coming, the timelines mean savers may wait years to feel the benefits. Employers have an important role to play in closing the gap.
New research from Aviva reveals that more than half of Brits (55%) have no investments and a third of those who do not invest (33%) say it’s because they don’t know enough about investing.
Isio’s Low-Risk Funding Index shows LGPS funding remains strong at 145% as of 31 December 2025. Funding level dipped slightly from 147% on 30 September 2025, while estimated surplus increased from £147bn to £148bn. Funding position remains resilient despite global market volatility in early 2026. With the LGPS valuation nearing completion, strong funding further supports the case for reduced employer contributions over the next three years
The FTSE 100 falls almost 1% as oil and gas prices surge. The Bank of England is set to follow the Federal Reserve and keep interest rates on hold. The spectre of stagflation is looming as inflationary pressures mount while consumers and companies turn increasingly cautious.
New data reveals the worst pension providers and administrators are taking 18 times longer to transfer retirement savings than the best, as PensionBee renews its call for Government legislation to encourage fast, digital transfers fit for the 21st century.
Small decisions now could make a tens-of-thousands of pounds difference to your retirement. Once tax, National Insurance and student loans are applied, cash bonuses often fall short of expectations. Standard life answers key bonus sacrifice questions
AutoRek’s 2026 Insurance Report reveals a widening gap between AI ambition and execution, compounded by lengthening settlement cycles and deep-rooted data fragmentation
By quantifying your exposures, you can make better cyber risk decisions and boost cyber risk resilience in the face of global volatility. Cyber risk linked to geopolitical tensions remains elevated, with critical infrastructure operators, financial institutions, transportation and telecommunications hubs, data centers and globally connected businesses all particularly vulnerable to heightened cyber exposures. Geopolitical crises can raise your cyber risk even if your organization isn’t being directly targeted or affected.
Ahead of this week’s key rate decisions from the Federal Reserve, Bank of England and European Central Bank, Ajith Nair, CIO of Isio Investment Management, highlights a common thread emerging across global markets. Policymakers are being forced into an increasingly delicate balancing act between lingering inflation risks, renewed energy market volatility, and signs of slowing economic momentum.
Oil has edged down as Iraq agrees to new export route. Stocks have rallied on the news, though pressure and volatility remains. US and UK futures continue positive momentum, with markets forecast to open up. Macro news will dominate the session, with the Federal Reserve expected to hold rates today. The Fed will also share its Outlook-at-Risk report. US PPI, an inflation measure, is also expected at 1.30pm UK time. NVIDIA prepares to re-enter the Chinese market
Recent conflict in the Middle East is producing significant risks across maritime trade and global supply chains. These risks include issues such as damage to maritime transport, ports and terminals, and interruptions to supply routes by air, land, or sea. These incidents also create a broad range of commercial impacts, posing significant challenges for insureds and the broader insurance industry.
Royal London urges policymakers to set out a plan to increase default pension contributions to more adequate levels. Landmark report with Oxford Economics analyses the impact of higher pension contributions on both households and the economy. The analysis shows that, by 2040, only 36% of households with DC pensions will meet target retirement incomes. Modelling shows that an increased flow of savings into pension schemes would lead to GDP gains over the long term
Broadstone and Lumera comment on new TPR data showing the total number of DC schemes decreased by 15% over the last year, from 920 schemes in 2024 to 790 schemes in 2025, representing the largest proportional decrease to date
LCP’s latest Investment Management Fees Survey, covering 53 asset classes and data from over 50 institutional investment managers worldwide, reveals that while headline fee rates continue to fall across most core asset classes, overall costs are often rising due to higher additional expenses.
With pressure growing on the UK’s public finances, the government is focusing more closely on the cost of the State Pension. Jack Carmichael and James Jones-Tinsley examine one of the key issues that may come under consideration: whether to introduce means testing. The State Pension system is now under review as part of the recently announced revival of the Pensions Commission. With demographic and fiscal pressures continuing to build, this is likely to prompt reform and renewed debate about issues such as means testing, retirement fairness and how longevity risk is shared across society.
DC scheme numbers fell by 15% to 790 in 2025. Assets increased by 22%, rising from £205 billion to £249 billion. Schemes that do not deliver value for savers should consolidate out the market, TPR urges
Smaller DB Pension schemes considering a bulk annuity transaction have more opportunities and flexibility than ever before so must carefully consider their broking approach, claims Hymans Robertson.
A redress system works best when it is clear, simple to use and trusted – both by the consumers who rely on it when something goes wrong, and by the firms expected to put things right. We’ve reached a significant milestone in our joint work with the Financial Ombudsman Service and the Government to modernise the redress system so that consumers get fair outcomes quicker and firms have greater clarity about how issues will be handled.
This commentary reviews the 2025 performance and 2026 outlook for our selected top global property and casualty reinsurance companies (Reinsurers), focusing on market conditions, capital dynamics, investment income trends, and catastrophe loss normalization.
President Trump claims the war with Iran will be ‘wrapped up very soon’, but concerns remain high that this will be a longer and more protracted conflict. Brent crude prices stay volatile, climbing higher to hover around $103 after Monday’s losses. NATO members push back on requests to help secure the Strait of Hormuz. The airline industry is left reeling from fresh attacks on the UAE, with British Airways cancelling Dubai flights until the end of May. The flight disruption will have a knock-on effect on the conference and hotel industry across the Middle East.
The ongoing conflict in the Middle East is prompting reinsurers to rapidly reprice and recalibrate risk across many lines, with continuity of coverage and trade as primary objective, even amid rising instability. If the war continues for an extended period, it will impact the revenue growth of top reinsurers in the Middle East and Africa (MEA) region over the next few years, according to GlobalData, a leading intelligence and productivity platform.
With oil-driven inflation volatility, both BoE and Fed likely to prioritise credibility over speed, says Rathbones’ John Wyn Evans, Head of Market Analysis. Scars from Russia-Ukraine war will inform both central bank and investor mindsets as Middle East conflict continues
Apocryphally, a Sultan wanted an inscription on his signet ring that would be true forever, so he tasked his wisest subjects to come up with something. They came back with “this too shall pass”. Had they worked in finance, they may have said something slightly less pithy, like “there’s a price at which anything is worth buying, it just might not be the current one”. While somewhat trite, it’s also true, and has corollaries.