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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 in: Investment - Articles 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 in: Investment - Articles Posted on: Tuesday Apr 15

How pension tweak could save employers thousands National Living Wage increased this month from £11.44 to £12.21 per hour. Employer National Insurance (NI) has also risen and the threshold at which employers begin paying NI for employees dropped from £9,100 to £5,000. For a business employing someone on average UK earnings of £37,430, the NI changes mean they will pay an extra £955 in NI each year. Switching to salary sacrifice for pension contributions can help businesses keep NI costs down. Posted in: Pensions - Articles Posted on: Tuesday Apr 15

2025 is a key year for pensions to consider their endgame Aon has said that 2025 is a key year for UK pension schemes and has formed the UK Endgame Strategy team to help schemes with the decision-making process as they review their endgames. Posted in: Pensions - Articles Posted on: Tuesday Apr 15

Bigger and better pension schemes through incremental change While dashboards may encourage individuals to consolidate their pension pots, consolidation of pension schemes and default funds are high on the Government’s agenda. Plans include the consolidation of the Local Government Pension Scheme as well as defined contribution pension schemes and defaults, delivering the majority of pensions for the private sector. The Minister for Pensions made it clear during the PLSA Investment Conference that measures to encourage consolidation will continue to be pursued. Posted in: Articles 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 in: Investment - Articles 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 in: Investment - Articles Posted on: Monday Apr 14

Sole trustees use General Code to implement innovations Sole trustees have embraced the General Code and are using it as an opportunity to innovate their in-house governance approaches and ensure they can be held to the highest account for governance, according to a survey by Hymans Robertson. Posted in: Pensions - Articles Posted on: Monday Apr 14

Pension savers call on schemes to get dashboard ready A series of short films highlighting the difference pensions dashboards will make to savers has been issued by The Pensions Regulator (TPR). Posted in: Pensions - Articles Posted on: Monday Apr 14

How board level AI governance is changing Technology and AI governance remains a top concern for corporate directors and executives in 2025 relative to safeguarding data, managing new technologies and ensuring the necessary skills in the boardroom and across the organization. Effective board members understand the importance of technology for their businesses and their role in governing it. According to the National Association of Corporate Directors 2025 Trends and Priorities Survey, three of the 10 Director's Top Trends for 2025 involve technology governance. Posted in: Articles Posted on: Monday Apr 14

2024 pension contributions surge but gender gap widens New analysis from PensionBee highlights a sharp increase in pension contributions in 2024, despite ongoing pressures on household budgets. Posted in: Pensions - Articles 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 in: Investment - Articles 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 in: Investment - Articles Posted on: Friday Apr 11

Proactive pension dashboard preparation essential PwC’s Buyout Index continued to record a surplus position, slightly increasing to £95bn in March 2025, demonstrating that the UK’s 5,000 corporate defined benefit (DB) pensions schemes continue to have, on average, sufficient assets to ‘buyout’ their pension promises. Posted in: Pensions - Articles Posted on: Friday Apr 11

The impact of the US trade war A dramatic shift in US trade policy has sparked renewed uncertainty for investors. This note explores the scale of the new tariffs, market reaction, and key risks to watch. On Wednesday 2 April Donald Trump announced a wave of new import tariffs covering 185 countries and territories that will take the average tariff on US imports to its highest level in more than a century. While a tariff announcement was well trailed, the scale, breadth and method of determining the tariffs left markets stunned, with large falls in equities, commodities and the US Dollar. Posted in: Articles 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 in: Investment - Articles Posted on: Friday Apr 11

Pension funds should sit tight amid US Tariff chaos Quantum Advisory has urged pension funds to remain calm and avoid making hasty decisions in response to the recent US tariff crisis. Posted in: Pensions - Articles 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 in: Investment - Articles Posted on: Thursday Apr 10

Small DC schemes must protect savers from climate change Small defined contribution (DC) schemes which do not take appropriate action to protect savers’ retirements from climate risk should think about quitting the market, says The Pensions Regulator (TPR). Posted in: Pensions - Articles Posted on: Thursday Apr 10

Uninsurable Future Climate Change and UK Risk As climate change progresses, insurers face increasing challenges that will alter the insurability landscape, driving innovation and a more holistic view of risk. Describe the connection between climate change and the increasing frequency of extreme weather events that are contributing to rising uninsurability in the UK. Explain the challenges faced by the insurance industry in providing coverage for high-risk areas impacted by climate change. Summarise the socio-economic consequences of uninsurability for individuals, businesses, and the broader UK economy. List potential policy measures and innovative approaches, such as parametric insurance, that can address gaps in traditional insurance coverage caused by climate change. Posted in: Articles Posted on: Thursday Apr 10

Nikhil Rathi reappointed as FCA Chief Executive HM Treasury has today announced the reappointment of Nikhil Rathi as Chief Executive of the Financial Conduct Authority (FCA) for a second term.  Posted in: Lifestyle Article Posted on: Thursday Apr 10

DB transfer compensation drops in Q1 2025 Past week’s market movements potentially wipe out the entire downward trend registered through Q1 2025 in a single week unless reversed. Further market falls could continue to drive compensation levels higher in the second half of the year. Broadstone highlights importance of assessing redress cases on an individual basis with compensation still due in many cases Posted in: Pensions - Articles Posted on: Thursday Apr 10

Employers must raise awareness of pensions tax changes Employers should ensure that staff who are in net pay arrangement pension schemes are aware that they could be eligible for extra money from the government, says Hymans Robertson. Posted in: Pensions - Articles Posted on: Thursday Apr 10

Charity DB Pensions Report Average funding level is 100% on an FRS102 basis so trustee attention should turn to endgame planning. 44% of charities are no longer paying deficit recovery contributions compared to 26% in 2024 report. Deficits on an estimated ‘Low Dependency Funding Basis’ average 10% of unrestricted charity reserves meaning pension schemes have shrunk relative to charity balance sheets. Charities should consider reviewing their pension scheme operating model and running costs following an 11% increase in average running costs over the year Posted in: Pensions - Articles Posted on: Thursday Apr 10

Paul Macro joins The Aon MasterTrust board Aon has announced that Paul Macro is joining the board of The Aon MasterTrust. He replaces Jonathan Reynolds who is stepping down from the board after six years. Posted in: Lifestyle Article Posted on: Thursday Apr 10

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