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Top annuity misconceptions dispelled

49% of over 50s recognise that annuities provide income certainty – up from 39% a year ago. Income certainty in retirement remains a key consideration for 98% of people. However, 48% of over 50s still aren’t familiar with lifetime annuities and how they work.
Posted on Tuesday Apr 29

Royal London complete buyin with The College of Law Pension

The latest transaction is between Royal London and The College of Law Pension and Assurance Scheme. Hymans Robertson and Linklaters advised the Trustees on the £85m buy-in. It is the ninth buy-in secured by Royal London’s BPA business to date with three further pension schemes in exclusive contract negotiations
Posted on Monday Apr 28

Savings rates set to fall with quarter of savers in the dark

The Bank of England is expected to cut rates next week, and the market is pricing in around three more cuts in 2025. In the past 18 months, savings rates have already fallen. The average easy access rate fell from 3.18% to 2.77% and the average 1 year rate from 5.36% to 4.12%. 28% of people have no idea what interest they’re making on any of their savings. That rises to 34% among women and 31% of the squeezed middle (aged 35-54).
23% of people have never switched their savings for a better rate.
Posted on Monday Apr 28

PIMFA Women's Symposium tackles pivotal issues

Focusing on inclusion and the future of the industry, 500+ delegates heard from 80 expert speakers, including the Economic Secretary to the Treasury & City Minister, on an array of topics, including the role of culture, open conversations around life events, and AI in driving progress
Posted on Friday Apr 25

Rates set for May cut and more pruning later

Rates are widely expected to be cut in May. The markets are also pricing in around three more cuts for the rest of 2025. What it would mean for savings, annuities and mortgages.
Posted on Thursday Apr 24

70 percent cut in capital rules red tape

The Financial Conduct Authority (FCA) is proposing streamlining the rules on the types of funds investment firms must hold to absorb losses and maintain financial resilience during periods of stress.
Posted on Thursday Apr 24

Inheritance Tax pulls in over GBP8bn in record tax haul

Utmost Wealth Solutions and Just Group comment on latest tax receipts update from HMRC showing that Inheritance Tax (IHT) receipts registered a record high total of £8.2 billion in 2024/25. It surpasses last year’s tax take of £7.5 billion (itself a record tax haul at the time) by £750 million (10%) and marks the 4th consecutive year in a row that has seen record totals.
Posted on Wednesday Apr 23

Key findings and insights from Fiduciary Manager review 2025

XPS’s latest Fiduciary Manager Review for 2025 provides an in-depth analysis of 17 UK fiduciary management growth portfolios and key insights into the performance of fiduciary managers (FMs) throughout 2024.

Posted on Tuesday Apr 22

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 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 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 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 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 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 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 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 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 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 on Friday Apr 11

Better than expected GDP numbers

Hargraves Lansdown and Wealth Club comment as UK GDP beats expectations. Manufacturing the bright spot. Dollar at 20-month lows. US shop prices expected to rise within weeks. Oil holds firm but producers remain under pressure.
Posted on Friday Apr 11

US inflation surprisingly falls despite tariffs

US Annual inflation fell to 2.4% in March, from 2.8% in February. US MoM inflation was negative in March falling -0.1%, from 0.2% in February. Annual core inflation (excl. energy and food) fell to 2.8% in March from 3.1% in February. US MoM core inflation fell to 0.1% in March, down from the 0.2% in February.
Posted on Thursday Apr 10

BoE update reassures on resilience of UKs financial system

Broadstone comment following the publication of the record of the Bank of England’s Financial Policy Committee meetings on 4 and 8 April 2025 which meets to identify risks to financial stability and agree policy actions aimed at safeguarding the resilience of the UK financial system.
Posted on Wednesday Apr 9

Value Protection option ensures full payback on annuity cost

Retirees can guarantee their annuity investment is returned by choosing Value Protection. Option ensures no less than 100% of the annuity cost is paid to them or to beneficiaries. Price of Value Protection has fallen as annuity rates have risen – a win-win.
Posted on Wednesday Apr 9

New Tax Year New You how to make your allowances count

Standard Life, part of Phoenix Group, shares key financial tips for the start of the tax year
Posted on Tuesday Apr 8

Global M&A upbeat start under threat as trade war escalates

European dealmakers top global M&A rankings with strongest performance since 2020. Based on share price performance, M&A deals during the first three months of 2025 outperform non-acquirers for the first time in three years. However, global volume is down by 22% compared to the final quarter of 2024.
Posted on Tuesday Apr 8

Generational trends and differences in financial motivations

Identifying generational trends and differences in the financial motivations of consumers, will be key for insurance providers to secure a pipeline of customers in the longer-term, claims Hymans Robertson.
Posted on Monday Apr 7