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Cost of living and economy fears rear their ugly head again ONS data finds that fears around the cost-of-living and the economy are once more ‘rearing their ugly heads’ for UK households. Posted in: Pensions - Articles Posted on: Thursday Apr 17

Employers urged to revisit the basics of GIP services Quantum Advisory is encouraging employers to go ‘back to basics’ with their Group Income Protection (GIP) arrangements - particularly when reviewing the additional support services often included as part of these schemes. Posted in: General Insurance Article Posted on: Thursday Apr 17

State of confusion with many in the dark about State Pension Half of adults (50%) don’t know how much they’ll receive in their state pension, with almost a third (32%) unaware of the age they’ll receive it. With the state pension rising to £11,973 per year this month, Standard Life answers important questions around how it works Posted in: Pensions - Articles Posted on: Thursday Apr 17

FCA on working together to deliver enforcement priorities Speech by Therese Chambers, joint executive director of enforcement and market oversight, delivered at the Spring Conference of NYU’s Program on Corporate Compliance and Enforcement. Posted in: Investment - Articles Posted on: Thursday Apr 17

HMRC takes steps to fix pension tax overpayments For years, pension savers have faced frustrating delays and unexpected tax bills when accessing their defined contribution (DC) pensions – often due to HMRC’s use of emergency tax codes. As we enter the 2025/26 tax year, HMRC has announced changes designed to reduce the need for tax reclaims by updating codes more efficiently. While this is a step forward, questions remain about whether the reform goes far enough to truly solve the problem. Posted in: Articles Posted on: Thursday Apr 17

Response to FCA Consumer Composite Investments consultation The FCA has published further proposals to support the new regime for Consumer Composite Investments (CCIs), following an initial consultation at the end of 2024. Posted in: Investment - Articles Posted on: Wednesday Apr 16

Inflation hits the brakes but the rough ride is not over yet CPI inflation fell to 2.6% in March – down from 2.8% in February and 3% in January. This is what the markets had been expecting. On a monthly basis it was 0.3% (compared with 0.6% a year earlier). Core CPI (excluding energy, food, alcohol and tobacco) was 3.4% (down slightly from 3.5% in February) and services inflation was down at 4.7% (5% in February). What it means for rates, savings, annuities and mortgages. Posted in: Investment - Articles Posted on: Wednesday Apr 16

Embedded insurance a game changer for personal lines Embedded insurance is rapidly emerging as the most promising distribution model for personal lines, outpacing traditional channels. By integrating coverage seamlessly at the point of sale, it enhances customer convenience and boosts conversion rates. Posted in: General Insurance Article Posted on: Wednesday Apr 16

Why pension schemes should not overlook SDR The FCA’s Sustainability Disclosure Regulations (SDR) might be voluntary for institutional investors, but the new rules have arrived at a crucial moment. Pension schemes are under increasing pressure to invest in a way that supports the transition to a more sustainable economy, while continuing to maximise members’ financial outcomes. Could understanding potential implications of the regime help them navigate the evolving sustainable investment landscape while meeting their fiduciary duties? Posted in: Articles Posted on: Wednesday Apr 16

Rejecting the pension gamble for stability over high returns New research from PensionBee reveals that UK savers are highly cautious when it comes to their retirement savings, with just 8% willing to invest in high-risk assets. Posted in: Pensions - Articles Posted on: Wednesday Apr 16

Comments as inflation cools to 2.6 percent Standard Life, My Pension Expert and Wealth Club comment as last month’s welcome fall continues but ‘Awful April’ price rises impact still to be felt. May rate cut by Bank of England looks likely, but cautious approach will be taken with inflation holding way above the 2% target Posted in: Investment - Articles Posted on: Wednesday Apr 16

Scottish Friendly appoint Schroders as investment partner Schroders have announced it has been appointed by Scottish Friendly as its new investment management partner for a £2.1 billion multi-asset and insurance mandate. Posted in: Investment - Articles Posted on: Tuesday Apr 15

Frozen thresholds will drag 18m into paying income tax New freedom of information data from HM Revenue and Customs (HMRC), obtained by Quilter, the financial adviser and wealth manager, reveals the freeze on income tax thresholds will result in 17.9 million Brits being dragged into paying the basic rate of income tax by 2027/28. Posted in: Investment - Articles Posted on: Tuesday Apr 15

How pension tweak could save employers thousands National Living Wage increased this month from £11.44 to £12.21 per hour. Employer National Insurance (NI) has also risen and the threshold at which employers begin paying NI for employees dropped from £9,100 to £5,000. For a business employing someone on average UK earnings of £37,430, the NI changes mean they will pay an extra £955 in NI each year. Switching to salary sacrifice for pension contributions can help businesses keep NI costs down. Posted in: Pensions - Articles Posted on: Tuesday Apr 15

2025 is a key year for pensions to consider their endgame Aon has said that 2025 is a key year for UK pension schemes and has formed the UK Endgame Strategy team to help schemes with the decision-making process as they review their endgames. Posted in: Pensions - Articles Posted on: Tuesday Apr 15

Bigger and better pension schemes through incremental change While dashboards may encourage individuals to consolidate their pension pots, consolidation of pension schemes and default funds are high on the Government’s agenda. Plans include the consolidation of the Local Government Pension Scheme as well as defined contribution pension schemes and defaults, delivering the majority of pensions for the private sector. The Minister for Pensions made it clear during the PLSA Investment Conference that measures to encourage consolidation will continue to be pursued. Posted in: Articles Posted on: Tuesday Apr 15

FCA concludes consumer investment policy sprint The FCA have concluded our exciting 6-week policy sprint, supporting new ways to help consumers make important investment decisions. Posted in: Investment - Articles Posted on: Monday Apr 14

Pensions vs ISAs maximising your savings What is something that we all have in common? The answer is planning for the future - and securing your financial future is key to having control of that. It's no surprise, then, that ISAs and pensions are so popular - 12.7 million people had private pensions in 2023/2024, and 26% adults intend to open an ISA this tax year. Posted in: Investment - Articles Posted on: Monday Apr 14

Sole trustees use General Code to implement innovations Sole trustees have embraced the General Code and are using it as an opportunity to innovate their in-house governance approaches and ensure they can be held to the highest account for governance, according to a survey by Hymans Robertson. Posted in: Pensions - Articles Posted on: Monday Apr 14

Pension savers call on schemes to get dashboard ready A series of short films highlighting the difference pensions dashboards will make to savers has been issued by The Pensions Regulator (TPR). Posted in: Pensions - Articles Posted on: Monday Apr 14

How board level AI governance is changing Technology and AI governance remains a top concern for corporate directors and executives in 2025 relative to safeguarding data, managing new technologies and ensuring the necessary skills in the boardroom and across the organization. Effective board members understand the importance of technology for their businesses and their role in governing it. According to the National Association of Corporate Directors 2025 Trends and Priorities Survey, three of the 10 Director's Top Trends for 2025 involve technology governance. Posted in: Articles Posted on: Monday Apr 14

2024 pension contributions surge but gender gap widens New analysis from PensionBee highlights a sharp increase in pension contributions in 2024, despite ongoing pressures on household budgets. Posted in: Pensions - Articles Posted on: Monday Apr 14

Just Group complete buyin for South East Water Pension Secures the benefits of around 700 pensioner and dependent members and almost 300 deferred members. Second transaction to complete objective of guaranteeing all member benefits, including more complex non-standard benefits. Posted in: Investment - Articles Posted on: Monday Apr 14

DC investors should stay calm and avoid scams during turmoil Aon has said that members of UK defined contribution (DC) pension schemes should stay calm during the current period of market turmoil. Posted in: Investment - Articles Posted on: Friday Apr 11

Proactive pension dashboard preparation essential PwC’s Buyout Index continued to record a surplus position, slightly increasing to £95bn in March 2025, demonstrating that the UK’s 5,000 corporate defined benefit (DB) pensions schemes continue to have, on average, sufficient assets to ‘buyout’ their pension promises. Posted in: Pensions - Articles Posted on: Friday Apr 11

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