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PPF Sustainability Report 2025/26 The Pension Protection Fund (PPF) has today published its Sustainability Report 2025/26. Five years after establishing its 2020 climate baseline, the PPF has increased the amount of its portfolio covered by climate analysis. Carbon footprint metrics now cover 82 per cent of Fund net asset value, compared with around 30 per cent in 2020/21. Posted on Thursday Oct 15

Pension reform to transform young workers retirement outlook Phased increases to auto-enrolment contributions, like those implemented in Australia, could leave a young worker with £85,000 more in pension savings and enough income to meet the Moderate Retirement Living Standard. Majority of adults say they are willing to pay slightly more into a pension alongside their employer to boost retirement prospects. Contribution reform alone will come too late to address the retirement challenge facing many Gen X workers Posted on Wednesday Oct 14

The pensions Budget survival guide: Keep calm and carry on Savers warned not to make permanent pension decisions in response to speculation ahead of the Budget. Major confirmed changes to inheritance tax and the minimum pension age already warrant attention from savers. Most unused pension funds and death benefits will be brought into scope of inheritance tax from April 2027 Posted on Wednesday Oct 14

Triple Lock shake up strengthens calls for AE reforms A new independent report commissioned on behalf of People’s Pension shows how the proposed reform of the triple lock changes the context for the forthcoming final report of the second Pensions Commission and strengthens the case for higher minimum pension contributions. Under the changes due to come into effect from 2030, the State Pension would broadly track average earnings over time. Posted on Tuesday Oct 13

PPF publish latest PPF7800 figures for September 2026 This update provides the latest estimated funding position, based on adjusting the scheme valuation data supplied to The Pensions Regulator as part of the schemes’ annual scheme returns, on a section 179 (s179) basis, for the defined benefit pension schemes potentially eligible for entry to the Pension Protection Fund (PPF). Posted on Tuesday Oct 13

Equitable pension provisions fail closing gender pension gap 91% employers are concerned about the growing retirement adequacy challenge. 9 in 10 employers believe that their pension provisions are equitable. Results reveal that career breaks can account for up to 20% reduction in pension pots Posted on Tuesday Oct 13

September brings volatility and slight funding deterioration The ‘growth focused’ scheme funding level finished September slightly lower, reducing from 94.2% funded to 94.0% funded over the month, but experienced a volatile month with funding fluctuating by 1.2 percentage points. Similarly, the ‘matching focused’ scheme funding fell back slightly more, by 0.6 percentage points from 89.8% at the end of August to 89.2% at the end of September. Funding was less volatile with the fluctuation over the month being lower at 0.7 percentage points Posted on Tuesday Oct 13

Could employers be the key to better pension engagement? Millions are not saving enough for retirement and are disengaged from their pension, particularly among midlifers; two in five people aged 40–54 have not interacted with their pension in a year. Employers could close the gap; only 16% of employers currently provide guidance on preparing for retirement but new L&G research suggests they can have a huge impact Posted on Monday Oct 12

Lost Pensions 2026: Over 3 million pension pots remain lost The Pensions Policy Institute (PPI), the UK's leading independent authority on pensions and retirement policy, has today published its Lost Pensions: The scale of the challenge survey results revealing over 3 million UK pension pots remain lost. Posted on Monday Oct 12

Footsie flies higher as oil prices ease The Footsie climbs in early trade as oil prices ease, offering some respite after a volatile week, although Brent still hovers around $103 a barrel. Fresh questions over OpenAI’s revenue outlook have unsettled AI investors, reigniting concerns about valuations and the vast spending needed to build the technology. Gold rises as the dollar weakens and oil prices ease, while resilient Chinese exports help give mining stocks a spring in their step. Airtel Money begins conditional dealings in London at 196p a share, valuing the business at £5.3 billion and offering a welcome boost to the UK’s IPO market. Posted on Friday Oct 9

Trustees must decide do I consolidate or go it alone? Speaking at the Professional Pensions Trustee Senate earlier today, Nausicaa Delfas, Chief Executive of The Pensions Regulator, set out why, with a clear reform agenda ahead, now is the time for trustees to act and take the decisions that will deliver a sustainable income in retirement for millions. Posted on Thursday Oct 8

Superfunds top the shortlist of DB Trustees endgame options Superfunds have moved to the top of the endgame shortlist among DB trustees surveyed, with 57% currently considering consolidation into a superfund as an endgame option for their scheme. Superfunds were ranked as the most commonly considered endgame option in the survey, ahead of capital-backed journey plans, buyout, DB master trust consolidation and run-on. Trustees surveyed expect the superfund market to gather pace, with 95% believing transactions will become more common over the next two years Posted on Thursday Oct 8

DC survey shows adequacy blind spot as VfM regime approaches Aon has announced findings from its 2026 Defined Contribution Pension and Financial Wellbeing Survey – ‘Balancing the Value Equation’ suggest that many UK employers and trustees are entering a new era of pension regulation without a clear understanding of the retirement outcomes their pension arrangements are expected to deliver. Posted on Thursday Oct 8

SPP backs 3.25% GMP rate but says end routine consultations The Society of Pension Professionals (SPP) has backed the Government’s proposed 3.25% fixed rate for Guaranteed Minimum Pension (GMP) revaluation from April 2027, while calling for an end to repeated consultations on what it describes as a routine, formulaic exercise. Posted on Thursday Oct 8

The DC Future Book 2026 Edition The Pensions Policy Institute (PPI), the UK's leading independent authority on pensions and retirement policy, has published new research today projecting employees aged 45-54 could have smaller Defined Contribution (DC) pension pots than the generations surrounding them. Posted on Wednesday Oct 7

Six months to go until pensions IHT change Neil Jones, tax and wealth planning specialist at Standard Life comments: "Six months out from the pensions IHT change, preparations for affected clients will be well underway, with the focus shifting to reviewing updated plans and making any final adjustments. Posted on Wednesday Oct 7

Retirement Expectation Gap breaks five year barrier People still want to retire at 62, but now expect to work until almost 68, pushing the ‘Retirement Expectation Gap’ to a record 5.3 years. Renters face a retirement gap of 6.8 years, more than three times the 2.1 years faced by outright homeowners. Millennials and Gen Z want to retire earliest, at 61 and 60, but face the largest retirement gaps at 6.8 and 5.9 years respectively. 51% fear their retirement finances won’t last, while 48% feel their finances are mainly influenced by factors outside of their control. Those who have done a lot of financial planning have a Retirement Expectation Gap almost five years narrower than those who have done none Posted on Tuesday Oct 6

One in ten AI pension answers could be potentially harmful One in ten (11%) answers were potentially harmful: 57 of the 539 answers could lead a saver to lose money or make a mistake they cannot undo. Most were not factually wrong. Instead, they left out important information, used unclear language or missed relevant context Posted on Tuesday Oct 6

Only one in six expect a hard stop retirement Only 16% of UK adults expect to stop work completely and enter full retirement. 30% expect to continue working in some capacity during later life. 41% say keeping their brain active is a key reason for continuing to work. 39% are not confident they can live comfortably in later life, rising to 45% among women Posted on Tuesday Oct 6

Third-party cyber risk tops concerns for DB pension trustees Seven in ten (70%) DB Pension trustees say third-party or administrator vulnerability is among the biggest cyber risks facing schemes. 60% have board-level reporting and clear responsibilities for cyber incidents. Fewer than half (44%) regularly test their incident response plans Posted on Monday Oct 5

Lump sums taken early and spent – Budget fears make it worse 76% of people aged 55-64 say they have already taken the lump sum from their pension, according to AJ Bell research. 23% of people who aren’t doing any work in retirement say they were still working when they took the first payment from their pension. Of those who say they have taken a lump sum from a pension, only 30% used the first payment to cover living costs. Meanwhile, 26% paid for home improvements, 21% spent it on a holiday, 19% paid off debt and 16% bought a new car41% of people say they have managed their pension well so far, while 38% of people say they haven’t. Budget speculation around the fate of tax-free cash has led to excess tax-free cash withdrawals which can harm retirement outcomes in the long term. Posted on Monday Oct 5

DB transfer compensation estimated to drop further for Q4 26 Broadstone finds a reduction to redress levels due to rising bond yields. A gain expected in most cases meaning that no redress is payable as the consumer is judged to be better off as a result of transferring. Cases where transfers occurred sometime ago or which have experienced poor investment returns may mean that redress is payable Posted on Monday Oct 5

1 in 3 adults don’t think they’re on track for retirement Nearly one in three (31%) UK adults are not confident they are on track for the retirement lifestyle they want, according to new research from M&G. To help people better understand their approach to retirement saving and take practical action, M&G has launched a new Retirement Readiness Quiz that identifies four distinct pension personalities. Posted on Friday Oct 2

The vulnerability gap: 34 million face uncertain retirement The vulnerability gap: 34 million face uncertain retirement Posted on Thursday Oct 1

A major shift in the UK’s approach to retirement income Iain McLellan, Director at Isio: “The State Pension triple lock has long been the elephant in the room. While it has played an important role in protecting pensioners’ incomes, most economists and actuaries recognise that maintaining it indefinitely raises difficult questions about affordability and intergenerational fairness. Posted on Wednesday Sep 30

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