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FCA fines Nationwide £44m for financial crime failings

The FCA has fined Nationwide Building Society £44m for inadequate anti-financial crime systems and controls between October 2016 to July 2021. During this period, Nationwide had ineffective systems for keeping up-to-date due diligence and risk assessments for all its personal current account customers and for monitoring their transactions.
Posted on Friday Dec 12

FCA targeted support could help tackle investment scams

RSM UK comment on the FCA announcement to offer targeted support which could help around 18m investors over the next decade.
Posted on Friday Dec 12

Milestone for building a retail investment culture delivered

The Government and the FCA have published their final approach to a new regulated activity of ‘targeted support’. This will enable firms to guide consumers to investment and retirement solutions which suit their circumstances. Targeted support will bridge the advice gap and is a vital part of building a retail investment culture. Understanding how targeted support interacts with other initiatives at retirement will be key to help simplify decision making for consumers at this stage of life.
Posted on Thursday Dec 11

Generations divided over Autumn Budget

New Standard Life research exposes generational divide and mounting concern over future pension affordability. A third (33%) of high earners are very concerned about the changes to salary sacrifice. Almost half (46%) of those who report concern about the salary sacrifice changes worry about having less incentive to save for retirement. Over 55s significantly less supportive of extending the income tax threshold freeze – Standard Life analysis shows basic rate taxpayer would be £1,476 worse off in 2031
Posted on Thursday Dec 11

FCA introduction of Targeted Support

Over the next decade at least 18 million people could be offered extra help with their investments and pensions with the introduction of targeted support by the Financial Conduct Authority (FCA).
Posted on Thursday Dec 11

Happy Fed Day for global markets

Markets are mixed as global markets await the Fed decision, with the S&P 500 falling yesterday while the NASDAQ gained. A 25bps cut is baked into markets, and any deviation will cause considerable upset. Bank of America jobs inflation analysis shows wage growth is unequally distributed. Data from NielsenIQ reveals Brits are due to spend £20bn on groceries this Christmas – but affordability reigns.
Posted on Wednesday Dec 10

Canada Life complete full buyin with Comet Pension Scheme

Canada Life UK has completed a £330 million full-scheme buy-in transaction with the Comet Pension Scheme, securing the future benefits of 4,500 pension scheme members.
Posted on Wednesday Dec 10

Savers turn to Facebook groups on retirement decisions

Ten years after Pension Freedoms promised greater choice for savers, new research from People’s Pension reveals people approaching retirement are turning to Facebook groups to help understand their retirement options and make decisions about their pension savings, despite knowing the information they find online may not always be correct.
Posted on Wednesday Dec 10

Cost of climate change for the European Insurance Industry

Research by Ortec Finance has found that insurers must drastically rethink their approach to investment if they are to avoid catastrophic losses from climate change.
Posted on Wednesday Dec 10

LBG confirm 3 longevity hedging deals with Rothesay Life

Lloyds Banking Group Pensions Trustees Limited (“the Trustee”) has entered three new longevity insurance and reinsurance arrangements to further protect the Lloyds Banking Group pension schemes from the cost of unexpected increases in the life expectancy of its members.
Posted on Tuesday Dec 9

Consumer jitters, chip chatter and streaming drama

FTSE 100 flat as UK retail data comes in soft. Ashtead’s new buyback offsets soft results. US markets post modest losses. Trump opens the China door for Nvidia. Paramount goes hostile. Oil faces oversupply pressure
Posted on Tuesday Dec 9

FCA sets out landmark package to boost UK investment culture

The Financial Conduct Authority (FCA) has set out a suite of measures today to empower retail investment, reinforce wholesale markets and maintain the UK’s position as a world-leading financial centre.
Posted on Monday Dec 8

TPR probes barriers to investment in private markets

The Pensions Regulator (TPR) has launched an initiative to explore the approach of defined contribution (DC) and defined benefit (DB) pension schemes to investing in growth assets that could boost returns for savers over the long term, and to better understand the barriers to doing so.
Posted on Monday Dec 8

Over 21 million people need Targeted Support

Royal London has revealed that as many as 21.5 million people across the UK could benefit from Targeted Support, highlighting the significant challenge, and opportunity, the industry faces in providing accessible support to help people with their finances.
Posted on Friday Dec 5

Regulators publish plans to support growth of mutuals sector

A raft of measures designed to support the growth of the mutuals sector have been announced today by the financial regulators. They include a review of credit union regulations and the launch of a Mutual Societies Development Unit by the Financial Conduct Authority (FCA).
Posted on Friday Dec 5

Finance Bill gives details on IHT changes but issues remain

Today’s Finance Bill sets out the Government’s response to the consultation it opened in July 2025 on how inheritance tax will be applied to pensions and death benefits from April 2027. It adds important detail to the headlines announced by HMRC on the evening of the Budget Day last week.
Posted on Thursday Dec 4

TPR ensures pension benefits of Northern Foods Pension

Details of action taken by The Pensions Regulator (TPR) to secure a good outcome for over 13,000 members of the Northern Foods Pension Scheme (NFPS) are published today. A package has been agreed to strengthen support for the pension scheme and help it to achieve self-sufficiency over the next decade.
Posted on Thursday Dec 4

FCA to investigate if Budget leak may amount to market abuse

The FCA have written to Dame Meg Hillier MP at the Treasury Select Committee with regards to investigating the handling of information ahead of the Autumn Budget 2025 and whether it amounts to market abuse.
Posted on Thursday Dec 4

PwC advises on groundbreaking pension sponsorship deal

PwC advises Stagecoach Group pension scheme on groundbreaking sponsorship by Aberdeen Group plc. PwC has acted as lead adviser to the Stagecoach Group Pension Scheme (SGPS) trustee on a landmark transaction that sees Aberdeen Group plc become the scheme’s sponsoring employer. This trustee-led innovative deal is set to deliver significant benefits to SGPS’s 22,000 members, including an immediate uplift and improved inflationary protection over time.
Posted on Thursday Dec 4

How much the Cash ISA allowance cut could cost you

Cash ISA allowance cut set to increase tax bills for millions of savers. Frozen personal savings allowance, higher tax rates and reduced Cash ISA allowance create a triple blow for cash savers. Over five years additional-rate taxpayer faces £2,380 tax bill on lost £8,000 of ISA savings, rising to £9,349 over 10 years. Higher-rate taxpayers face extra tax bill of £1,152 over five years, rising to £6,464 over 10 years. Government expected to gain from extra tax on savers’ interest
Posted on Thursday Dec 4

M&A outlook for 2026 as market remains bullish

Global mergers and acquisitions (M&A) outclassed companies not involved in dealmaking during the first nine months of this year, according to WTW research based on share price performance1. In partnership with the M&A Research Centre at Bayes Business School, the data shows that the M&A market is on track to achieve its best performing year since the dealmaking boom that followed the pandemic slowdown, paving the way for a stronger year ahead.
Posted on Wednesday Dec 3

Royal London complete first BPA transaction with two mutuals

Royal London’s BPA team has now secured premiums with a combined value of £865 million in 2025, with further transactions both recently completed and in exclusivity.
Posted on Tuesday Dec 2

Savers put £4.2bn into Cash ISAs ahead of the Budget cut

4.2 billion saved into Cash ISAs in October according to Bank of England statistics released. That’s up from £3.3 billion in September and is the highest inflow since April. Flows could have been bigger in light of the widely anticipated cut to the Cash ISA allowance. We estimate just 4% of Cash ISA savers will be affected by the allowance cut and go on to invest in the UK stock market
Posted on Monday Dec 1

FCA proposal to make ESG ratings transparent and comparable

The FCA has published proposals to ensure that environmental, social and governance (ESG) ratings are transparent, reliable and comparable - a move that is estimated to deliver around £500m in net benefits over the next decade.
Posted on Monday Dec 1

OBR upgrades CGT receipts by £6.1bn by the end of the decade

The OBR’s Economic and Fiscal Estimates publication shows that Capital Gains Tax (CGT) is now estimated to raise an additional £6.1 billion between 2025-26 and the end of the decade.
Posted on Friday Nov 28