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FTSE hits 10,000 as 2026 starts with a smile FTSE 100 hits the 10,000 level for the first time. Symbolic moment for the market and Chancellor Rachel Reeves. Hitting the 10,000 level this year represents the fastest rise between 1,000 intervals ever for the blue-chip index. Posted in: Investment - Articles Posted on: Friday Jan 2

Old Macdonald’s pension fund had IE01 DB Pension funds typically pay benefits with an inflationary uplift, so it makes sense for schemes to hold inflationary assets. So far, so good. But pension payments can’t go down, and typically any indexation is capped, most commonly at 5%. This means the indexation is not to RPI but to a capped and floored version of RPI, called LPI (here it would be LPI0-5). So, how much sensitivity do liabilities have to inflation? Ultimately, LPI is RPI with options- the scheme is long a call at 5%, and short a put at 0%. This has two major consequences. Posted in: Articles Posted on: Friday Jan 2

SPP works to ensure LGPS is genuinely fit for the future The Society of Pension Professionals (SPP) has responded to the current Local Government Pension Scheme (LGPS), “Fit for the future” technical consultation on two statutory instruments, which closes today (2 January 2026). Posted in: Pensions - Articles Posted on: Friday Jan 2

What drivers crashed into during 2025 AA Accident Assist helped 67,000 drivers following a crash this year. Parked cars, kerbs and car doors feature in the top five things drivers have hit. AA Accident Assist MD recommends New Year’s resolution for all drivers Posted in: General Insurance Article Posted on: Wednesday Dec 31

The value of a modelling framework for insurers At this year’s GIRO Conference in Liverpool, my colleagues at LCP gave several excellent talks on a range of topics – from claims analytics to reserve risk and even the future of the actuarial profession . I wanted to focus on a talk that I think is directly relevant to actuaries working in GI now and in the future. Emerging risk is a topic that actuaries must consider in all areas of their work. It is also proving a constant challenge for insurers to keep on top of. Posted in: Articles Posted on: Wednesday Dec 31

FTSE 100 poised for record end to 2025 "Could there be a fairytale ending to the year for London’s blue-chip index? The FTSE 100 ended the day at 9,940, another fresh record high and tantalisingly close to that 10,000 mark which at the start of the year seemed inconceivable,” says Danni Hewson, head of financial analysis at AJ Bell. Posted in: Investment - Articles Posted on: Wednesday Dec 31

6 financial plans to protect your future for Divorce Day The first working Monday of the new year is often referred to as Divorce Day because it traditionally sees a spike in people contacting solicitors to discuss ending their marriage following the festive period. This year, it falls on Monday, 5 January. While emotions can understandably run high in divorce, financial planning can be neglected, which that can have long-term consequences. Posted in: Investment - Articles Posted on: Wednesday Dec 31

Collaboration required for the vision for private markets Whether it’s a defined benefit scheme, a defined contribution scheme or a collective defined contribution scheme, trustees and providers are likely to be thinking about the role that private market investments could play within their pension scheme’s investment mix. Private equity, infrastructure, real estate or private debt are all likely to be under consideration as trustees look at possibilities to diversify their investments, help enhance returns or reduce volatility through asset classes delivering steady income and inflation-linking characteristics. Posted in: Articles Posted on: Monday Dec 29

Reinsurers grow capital following strong returns Expanded reinsurance capacity available at January 1, 2026, resulted in accelerated softening of pricing across many lines, according to a report issued by Guy Carpenter, a Marsh business (NYSE: MMC) and a leading global risk and reinsurance specialist. Posted in: General Insurance Article Posted on: Monday Dec 29

Longevity Perspectives Industry experts Huey Fang Chen, Head of L&H Structured Solutions Asia, and Kerry McMullan, Global Head of L&H Structured Solutions, explore global trends in transferring longevity risk, highlighting how demographic changes and regulatory developments are transforming the market. Key themes: • Transfer of pension liabilities to insurers and reinsurer's role • Regulatory impact on market trends (UK & international) • Swiss Re Institute insights on APAC’s growing silver economy Posted in: Articles Posted on: Wednesday Dec 24

Coping with extreme climate and geopolitical uncertainty Thriving in the face of hyper-volatility means building financial resilience using a combination of quantitative analytics and qualitative ‘storytelling’. When it comes to addressing interconnected extreme risks, companies have a number of choices from building flexibility into their operations and talent, to combining quantitative analytics with qualitative ‘storytelling’ approaches to better identify and manage risks. Understanding and quantifying risk tolerance is crucial to building financial resilience in a hyper-volatile world. Posted in: Articles Posted on: Wednesday Dec 24

Farmers get pre Christmas IHT reprieve Rathbones and Utmost Wealth comment as the government announced that the level of the Agricultural and Business Property Reliefs threshold will be increased from £1m to £2.5m when it is introduced in April 2026. Posted in: Investment - Articles Posted on: Wednesday Dec 24

Pension boost for mineworkers lands before Christmas Almost 40,000 former mineworkers across the UK receive first pension increase, with an average uplift of £100 a week and one-off £5,500 lump sum. Follows the government’s decision to transfer £2.3 billion to members of the British Coal Staff Superannuation Scheme. Government has now delivered justice for all members of the former British Coal pension schemes Posted in: Pensions - Articles Posted on: Wednesday Dec 24

Home insurers set for profit in 2025 losses likely in 2026 UK home insurers are set to finish 2025 with a slight profit, delivering a Net Combined Ratio (NCR) of 98%. Yet home insurers are expected to swing to a loss in 2026, with the NCR forecast to reach 102.1% by the end of next year; Home insurance premiums paid by customers are set to drop to an average of £326 in 2025, down from £329 in 2024 amid a falling claims environment. Premiums are expected to fall further in 2026 to an average of £306 – an almost 7% drop compared to 2025, as a result of increasing competition. Posted in: General Insurance Article Posted on: Tuesday Dec 23

Vulnerable customers see application forms time consuming Many vulnerable customers cite challenges with the insurance application process, while a significant proportion are denied a policy altogether. Some are left feeling uneasy and judged about the insurance application process, suggesting the industry has some way to go to improve processes, reveals a survey by GlobalData. Posted in: Life - Articles Posted on: Tuesday Dec 23

Advancing Data Driven Decision Making in 2026 As the general insurance landscape continues to evolve in response to shifting and growing risks, one constant remains: the need for sharper insights at speed. From motor to home and commercial property, data is the defining force in helping insurance providers make faster, more confident, and more accurate pricing and policy decisions. Against a backdrop of rising claims costs, ongoing regulatory scrutiny and growing climate risks, gaining a comprehensive, 360-degree view of the risk has become a business imperative, from quote right through to claim. Posted in: Articles Posted on: Tuesday Dec 23

Divorce day don’t let your pension be the forgotten casualty As the first working Monday of January, commonly known as “Divorce Day” approaches, Moneyfarm is calling on couples to ensure pensions are not overlooked during separation. With retirement savings often representing one of the most valuable assets in a marriage, failing to address them can have long-term consequences. Posted in: Pensions - Articles Posted on: Tuesday Dec 23

AI, cyber insurance and climate change key to 2026 insurance Artificial intelligence (AI), cyber insurance, and climate change/natural catastrophes are the three themes that will have the biggest impact on insurance in 2026, according to the annual predictions from GlobalData, a leading intelligence and productivity platform. Posted in: General Insurance Article Posted on: Monday Dec 22

Economy grinding to a halt as spectre of recession looms Comment from Lindsay James, investment strategist at Quilter, on the latest UK GDP quarterly national accounts data Posted in: Investment - Articles Posted on: Monday Dec 22

Pension boost for minimum wage workers on 15 hours per week The increase in the National Living Wage from April 2026 means a 15-hour working week (around two working days) meets the £10k annual earnings trigger for pensions auto-enrolment. This is ten hours per week fewer than when auto-enrolment was introduced. Employees working full-time on the new minimum wage could build a pension pot worth £208k at retirement age. The Pension Commission will need to strike the right balance between addressing under saving and pressures on employers dealing with rising employment costs Posted in: Pensions - Articles Posted on: Monday Dec 22

Employers ill prepared for risks of overseas assignments Employers are ill-prepared for the wide range of risks of sending employees overseas, according to the international experts at Towergate Employee Benefits. With 79% of UK companies stating they have relocated employees abroad1, the issue is wide-reaching. Knowing where and how to provide support is the key to the health and wellbeing of employees and their assignments overseas. Posted in: General Insurance Article Posted on: Monday Dec 22

What does climate change mean for investors today Climate risk is no longer a peripheral issue for investors or energy system planners; it is a direct driver of value, resilience and long-term performance. We recently discussed this on an episode of Beyond Curious with LCP, where one of the central ideas was the value of treating climate change the way an investor treats a company balance sheet. What sits on the asset side of the climate ledger – resilience, innovation, adaptation, new technologies – and what sits on the liability side – physical risk, supply-chain fragility, policy volatility, and carbon-intensive legacy assets? Posted in: Articles Posted on: Monday Dec 22

Comment on House of Lords Economic Affairs Committee inquiry Standard Life comment on the House of lords Economic Affairs Committee inquiry Posted in: Pensions - Articles Posted on: Friday Dec 19

From start line to surplus: hedging for run on As more defined benefit (DB) schemes choose to run on rather than move straight to buyout, attention is turning to how investment strategies can be refined to improve outcomes for members and sponsors. Our recent article, Making your assets work harder in run-on, explored how investment strategy can support this direction of travel. This article looks at the other key lever: liability hedging. By setting hedging in line with your run-on objective, time horizon and surplus policy, trustees and sponsors can reduce funding level volatility, preserve transaction affordability and create more scope for surplus, without taking unrewarded risk. Posted in: Articles Posted on: Friday Dec 19

Consultation launched for TPRs new multi employer CDC code The Pensions Regulator (TPR) is paving the way for an expansion in the collective defined contribution (CDC) market which could help more savers to achieve a higher, more predictable retirement income. Posted in: Pensions - Articles Posted on: Friday Dec 19

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