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Triple lock sustainability creates generational tension

New research from PensionBee reveals a sharp generational divide over the future of the State Pension triple lock, highlighting the growing challenge for the Government as it prepares its Autumn Budget against a backdrop of strained public finances. The debate continues to intensify despite the Government’s repeated assurances that the triple lock would be maintained until the end of parliament.
Posted on Thursday Oct 9

Over 2m pension pots from 5 providers could be consolidated

First large-scale dataset of individual retirement savings from five major UK master trusts, covering close to half the UK’s workforce, estimates over 2 million deferred small pots across the five schemes could be consolidated if they all became default consolidators under current government proposals. Individual pot sizes have grown but remain modest, with an average pot value of £3,109 in 2022/23. Members of the five providers hold an average 1.3 pots, reflecting job changes and churn in the labour market, but the figure could rise when pots from other types of pension schemes and funds are also considered.
Posted on Thursday Oct 9

Targeted support to benefit Mutuals and Friendly Societies

Targeted support could enable mutuals to guide members towards long-term value. However, the Regulator must provide clarity around direct marketing and show proportionality.
Posted on Thursday Oct 9

Spike in member activity anticipated after Dashboards launch

Most UK pension schemes are anticipating a significant spike in member activity once members have access to the pensions dashboard, according to poll of trustees and pensions managers by WTW. Over a third (38%) of pension schemes are anticipating a 10-30% increase in activity, while a further 38% predict a more substantial increase of 30-50%.
Posted on Wednesday Oct 8

Most GenX and Baby Boomers have no formal retirement plan

Only 6% of Gen X and 7% of working Boomers have a written plan for retirement. 13% of Gen X and 22% of Boomers say they have a plan but not in writing. Vast majority admit to having only a vague or no retirement plan, research from Just Group reveals.
Posted on Wednesday Oct 8

DB pension surpluses continue to stand at record levels

XPS Group estimates UK DB pension schemes maintained a £222bn aggregate surplus against long-term funding targets, up £2bn in September 2025 and £48bn year-on-year. Aggregate scheme assets saw a small rise in September 2025, as matching assets rose in value as bond yields decreased. Growth assets such as global equities also displayed positive performance. Aggregate scheme liabilities also increased, driven by a slight reduction in gilt yields.
Posted on Tuesday Oct 7

Dangers of snap pension decisions from Budget speculation

Less than a quarter (24%) favour a ‘hard stop’ retirement. But the alternative, ‘transitioning’ into retirement, requires confidence in stable pension rules. With 50 days until the Budget, fears of changes to pensions tax breaks are pushing people into snap decisions they may regret
Posted on Tuesday Oct 7

Improving Retirement Outcomes the Drake Commission

The UK Government has ‘revived’ the Pensions Commission, drawing a parallel with the Commission that ran between 2002 and 2006 under the leadership of Lord Adair Turner. The Turner Commission ultimately led to the creation of automatic- enrolment (AE) and the establishment of NEST as the UK’s pension provider of last resort. Both are now viewed as significant advances within the UK pensions system but were highly controversial when proposed.
Posted on Monday Oct 6

Continued funding improvements for DB pension schemes

Fully hedged scheme sees funding position increase by 0.5 percentage points to 71.6% at the end of September. 50% hedged scheme sees slightly larger gain of 0.7 percentage points through the month to 109.7%. After five consecutive months of funding improvements for both schemes, consideration should be given to strategy ahead of November’s UK Budget.
Posted on Monday Oct 6

Record lows for pension redress payments as gilt yields rise

Increases in government bond yields over recent months have significantly reduced expected Defined Benefit (DB) transfer advice redress payments. Redress on a book of DB transfer advice is likely to have fallen to around 2.5% of the total transfer value – half the level of early 2025 – according to the First Actuarial Redress Tracker.
Posted on Friday Oct 3

Pension Professionals overwhelmingly support ESG

As the geopolitical landscape continues to develop and anti-ESG sentiment appears to be on the rise, the Society of Pension Professionals (SPP) held an event to explore the role that pension schemes can play in investing for impact.
Posted on Thursday Oct 2

Private sector DB insurance assets surge on buy in boom

The ONS this morning released its quarterly results from The Financial Survey of Pension Scheme (FSPS) which found that private sector defined benefit and hybrid (DBH) pension scheme insurance policies assets increased by £9 billion (6%) between 30 September 2024 and 31 March 2025.
Posted on Thursday Oct 2

FTSE100 pensions in strong position as surplus tops GBP55bn

LCP’s latest Pension Explorer analysis at 30 September 2025 reveal that UK pension schemes of FTSE100 companies continue to show strong financial health, with a combined IAS19 surplus exceeding £55bn, representing a 120% aggregate funding level.
Posted on Thursday Oct 2

Gilt fears overblown amid undue bearishness about UK bonds

Fears over gilts being trapped in a doom loop are overblown amid undue bearishness over the UK fixed income market, according to Nick Hayes, Head of Active Fixed Income Allocation and Total Return at AXA Investment Managers (AXA IM).
Posted on Thursday Oct 2

US shutdown shrugged off as fresh records are set

FTSE 100 shows no signs of slowing. US markets shrug off Washington’s gridlock. Oil edges higher but remains near four-month lows.
Posted on Thursday Oct 2

Pensions Commission urged to look at pensions sacred cows

Speaking at the Claridge’s Annual Dinner of the Association of Consulting Actuaries (ACA), attended by guests from across the pensions industry, ACA Chair, Stewart Hastie focussed on the contribution the pensions industry can make by working together to achieve a better and more sustainable pensions and savings system for all, building a system that supports and contributes to a stronger UK economy and stronger public services.
Posted on Thursday Oct 2

Kneejerk pension withdrawals amid pre Budget regrets

Withdrawal of tax-free pension lump sum most common regret among financial decisions ahead of last year’s Autumn Budget. Late Budget exacerbating rumour mill around options open to Chancellor.
Posted on Wednesday Oct 1

From Netflix to Nest Egg

Standard Life analysis shows that just £21 a month extra - around the cost of a Netflix Premium subscription - could add £26,000 to an early saver’s retirement pot. Putting aside an additional £42 a month - less than the average UK gym membership - into a pension from the age of 22 could add £52,000. Sacrificing a monthly takeaway spend of £60 could boost retirement savings by nearly £80,000. Standard Life provides tips for younger savers looking to top up their pensions
Posted on Wednesday Oct 1

Schemes urged to take advantage of improved funding

DB Pension Schemes should take advantage of the dramatic shift to improved funding positions and consider the strategic value of a purposeful pause as they assess their DB scheme’s endgame options, urges Hymans Robertson.
Posted on Wednesday Oct 1

Firms should not be forced to signpost Targeted Support

In time, firms should signpost targeted support as an option. But not before more widely available. And customers need to understand the limited situations where it can help.
Posted on Tuesday Sep 30

Technical guidance to support Vote Reporting Template users

Pensions UK has today published new technical guidance to support users of the Vote Reporting Template. Launched in March 2025 in collaboration with the FCA-established Vote Reporting Group (VRG), the Vote Reporting Template allows asset owners to collect voting information from their investment managers in a standardised format in order to understand and engage with how their stewardship strategy is being implemented.

Posted on Tuesday Sep 30

Gen Z need £3m plus for comfortable retirement

Headline figure factors in 65 years of inflation uprating (2%), illustrating the erosive impact of inflation on the value of money. Those saving into a pension benefit from tax relief at their marginal rate, and employer contributions through workplace pensions help ease the burden.
Posted on Monday Sep 29

Stocks look to start week strong despite risk of US shutdown

US and European equity market futures up at the start of the week, as Asia stocks rise. Market buoyancy is despite risk of US government funding running out on Tuesday. Week ahead holds potential pitfalls for confidence, as economic watchers on guard for global PMI and US jobs data.
Posted on Monday Sep 29

Gen X risks being worse off than their parents in retirement

Generation X, often described as the “forgotten generation,” is heading towards retirement with worryingly low levels of preparedness, research from PensionBee reveals.
Posted on Friday Sep 26

LGPS funds should engage now with Pools on the basics

LGPS funds should engage with their Pools now, ahead of changes from the Pensions Schemes Bill (Bill) passing into law, to set fair goals and expectations on the basic elements of their pending partnership, says Hymans Robertson.
Posted on Friday Sep 26