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No SPA increase without healthy life expectancy improvement

The State Pension age (SPA) should only be increased if there is a corresponding rise in healthy life expectancy and any increase should be clearly communicated to savers at least 10 years in advance of it being implemented, according to Pensions UK.
Posted on Monday Oct 27

Call for evidence on State Pension Age Review closes

Standard Life and Aegon comment on the Third State Pension Age Review: independent Call for Evidence which closes for submissions today.
Posted on Friday Oct 24

The DC Future Book 2025

This year marks the eleventh edition of the Pensions Policy Institute’s DC Future Book. In keeping with the evolving pensions landscape, this edition takes a new format. Rather than a full report, we are presenting our analysis as a focused slide deck, designed to make the key trends, data, and insights on the Defined Contribution (DC) market more accessible and easier to use.
Posted on Friday Oct 24

National Pension Tracing Day with millions losing out

PensionBee is urging savers to take a few minutes this National Pension Tracing Day (Sunday, 26 October 2025) to check whether they may be missing a pension from a previous job.
Posted on Friday Oct 24

CDC promises much for employees and employers

Commenting on the Government’s CDC consultation response, Jon Hatchett, Senior Partner, Hymans Robertson
Posted on Friday Oct 24

Government won't commit to Pension Tax Lock before Budget

The government has responded to AJ Bell’s petition for a Pension Tax Lock, which has gathered over 18,500 signatures. HM Treasury response refused to confirm any plans regarding pension tax-free cash and tax relief on contributions ahead of the Budget. It instead pointed to the Pensions Commission, which will ‘make recommendations to the government on the broader questions of adequacy, fairness, and sustainability’. Fundamentally changing the terms under which people can access their own money threatens to undermine people’s confidence in long-term saving.
Posted on Thursday Oct 23

Financial services complaints grow and redress up 20 percent

Data released by the FCA finds that in 2025 H1, financial services firms received 1.85m complaints, a 4% increase from 2024 H2 (1.78m). Since 2021 H1, complaints have stayed relatively constant between 1.7m and 2.0m.
Posted on Thursday Oct 23

Hidden Junk IRAs threatens $43Bn in US retirement savings

PensionBee and EBRI data reveal 10% of small employment-based retirement accounts—2 million annually— could be at risk to predatory Safe Harbor IRA practices
Posted on Thursday Oct 23

New whole life multi employer regulations crucial for CDC

Aon has welcomed the Department for Work and Pensions’ new regulations governing whole-life multi-employer Collective DC (CDC) schemes in the UK, saying that they pave the way for over 25 million UK workers to build up a CDC pension.
Posted on Thursday Oct 23

Changing SPA does not tackle concerns on retirement adequacy

The SPP has responded to the government’s latest review of the State Pension Age (SPA), highlighting that if wider terms of reference, including the purpose of the State Pension, had been provided, “…this would have enabled more relevant factors to be considered and potentially better outcomes”.
Posted on Wednesday Oct 22

Inflation stationary and what it means for pensions

UK Consumer Price Index (CPI) inflation has come in at 3.8% - unchanged for the third month in a row, but still close to double the Bank of England’s target rate of 2%. Forecasters had expected the figure to come in at 4%.
Posted on Wednesday Oct 22

Hands off our investments

IG analysis shows small two percentage point hike in both dividend and capital gains tax (CGT) could slash £4bn off FTSE. Cutting pension tax-free lump sum to £100k would reduce annual contributions by £300m. IG calls on government to leave pensions, CGT and dividend tax alone to protect retail investors and the UK stock market.
Posted on Wednesday Oct 22

Corporate flexibility is priority for DB Scheme sponsors

Support for surplus sharing has soared from 61% to 85% in just one year. 37% of sponsors identified ensuring the pension scheme does not obstruct wider corporate activity as their top priority. Nearly all corporates said they would consider either a superfund (99%) or a capital-backed journey plan (97%) as part of their endgame strategy.
Posted on Wednesday Oct 22

Comments on Collective Defined Contribution regulations

TPT retirement Solutions, Barnett Waddingham, LawDebenture and Hymans Robertson comment comment on the Government green-lighting Collective Defined Contribution (CDC) pension scheme regulations
Posted on Wednesday Oct 22

Only half believe State Pension will exist when they retire

State pension set to rise by 4.8% in April but confidence in the State Pension remains low. A third (33%) of Brits expect State Pension age to reach at least 70 by 2030. Only half (51%) think the State Pension will exist for everyone by the time they retire, and less than a third (29%) think the Triple Lock will still be in place. Half (50%) worry they won’t have enough to fund their full retirement, while 47% feel their retirement finances are mainly outside their control. Differences in life expectancy mean some areas of the UK would receive far fewer years of State Pension payments than others.
Posted on Wednesday Oct 22

Exploring the expanding universe of pensions possibilities

In their new report Future of Pensions?, LCP have developed a framework to help sponsors, trustees and other stakeholders assess what option might be best for their savers as the universe of pensions possibilities expands.
Posted on Tuesday Oct 21

Pension transfer times speed up again ahead of Autumn Budget

Pension transfer times have been getting steadily faster throughout 2025, according to the latest Origo Transfer Index (OTI) data. The latest Q3 figure shows simple transfers took an average of just 10.7 days to complete, improving on the 10.8 and 11 day turnaround times recorded during Q2 and Q1 respectively.
Posted on Tuesday Oct 21

Gender in the business and pensions worlds

The fifth of its Inclusive Futures collection of articles today sees the Society of Pension Professionals (SPP) publish a paper on the subject of Gender in the business and pensions worlds.
Posted on Tuesday Oct 21

Mandated AE increases risks 1 in 6 firms becoming insolvent

Nearly a third of businesses would freeze hiring entirely (31%) if the Government mandated higher employer contributions. Over two-fifths (22%) would look to actively reduce their headcount in response. Just 17% would be able to afford an increase with minimal impact to their current business.
Posted on Tuesday Oct 21

State Pension age Review the £5trn heart of pension adequacy

The State Pension age (SPa) Review can be the start of improving pension adequacy if the government balances long-term sustainability with intergenerational fairness claims Hymans Robertson in a new paper outlining its response to the SPa Review consultation: Adequacy begins with SPa.
Posted on Monday Oct 20

Eroded pre-1997 pensions

The Work and Pensions Committee will take evidence on the impact of non-inflation indexation, particularly affecting some with pre-1997 pension rights, from leading figures from affected retirees’ campaign groups. from Hewlett Packard's, and American Express UK's pension schemes. Many of those affected have seen no pension increase for years despite inflation which rose as high as 12% during the COVID-19 pandemic.
Posted on Monday Oct 20

Transfer Values have dropped 6% since the start of the year

XPS’s Transfer Value Index recorded a modest increase in September 2025, though the quarterly average remained below the previous period. At month-end, values were almost 3% down on the end of June 2025.
Posted on Monday Oct 20

Beware the unintended consequences of a tax raising Budget

Gordon Brown, George Osborne and Kwasi Kwarteng have all fallen foul of the law of unintended consequences. Rumoured Budget changes could have unexpected impacts on investors, people with pensions and downsizers. They could also damage the property market.
Posted on Monday Oct 20

LGPS funding hits record high before 2025 valuation outcomes

Isio’s Low-Risk Funding Index reveals the LGPS funding level improved from 126% to 147% over the 6 months to 30 September 2025, with a low-risk surplus of £147bn. Improvements in UK government gilt yields, lower future inflation expectations and increases in asset values have driven the surge in funding level. As LGPS funds continue to work through the 2025 actuarial valuation, early decisions should be revisited to take into account of the post-valuation improvements
Posted on Friday Oct 17

Strong appetite for CDC ahead of regulatory milestone

As the UK prepares for the next phase of Collective Defined Contribution (CDC) regulation, Hymans Robertson has published a comprehensive report analysing the current CDC landscape and it’s potential to transform retirement outcomes in the UK.
Posted on Friday Oct 17