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Aviva complete buyin for Colthorp Board Mill Pension

The Colthrop Board Mill Pension Scheme has completed a £23m buy-in with Aviva, securing the benefits of 69 deferred members and 152 pensioners. First Actuarial, which led on the transaction, worked closely with Aviva and legal advisers, Osborne Clarke to complete the transaction in a matter of weeks.
Posted on Friday Jan 31

Call for far reaching approach to modernising redress system

PIMFA has called on the Financial Conduct Authority (FCA) to be ambitious in its proposals to modernise the redress system and look beyond the iterative proposals they have put forward in their recent discussion paper on modernising the redress system. In its response to the paper, PIMFA has argued that whilst the headline proposal of ‘defining a mass redress event’ would be a welcome intervention, many of the concrete proposals set out within the paper would have mixed results and would prove minor in their nature.
Posted on Thursday Jan 30

A rate cut on the cards and what it means for your money

The Bank of England is expected to cut interest rates next week from 4.75% to 4.5%. The market is pricing in an 84% chance of a cut next week, and then 2 more cuts in 2025. What this means for the markets, savings, annuities and mortgages.
Posted on Thursday Jan 30

Salary sacrifice to boost savings and mitigate NIC payments

29% already use salary sacrifice schemes from their employer. 15% say their employer does not offer salary sacrifice. 51% of those who use or plan to use salary sacrifice use it, or will use it, to boost their pension pot for retirement
Posted on Wednesday Jan 29

DeepSeek AI sending shockwaves through equities markets

Following this weeks' news about DeepSeek AI sending shockwaves through the US equities market, Matt Tickle, Chief Investment Officer at independent consultancy Barnett Waddingham offers his perspective on what this means for investors and markets in the coming months:
Posted on Wednesday Jan 29

Further innovation predicted in 2025 for bulk annuity market

Aon has said that as demand from UK pension schemes remains high, it expects to see continued development and innovation in the bulk annuity market in 2025. The total volume of bulk annuity business completed in the UK during 2024 is expected to be in the order of £45 billion to £50 billion.
Posted on Tuesday Jan 28

2025 The Year of the Snake

As the Chinese New Year of the Snake edges closer, the world is already awash with investment predictions for 2025. With lots of developing economic factors to consider, below is a brief economic view of what’s to come, as well as two asset classes to invest in and two to avoid, and what this could mean for pension schemes this year.
Posted on Tuesday Jan 28

L and G complete billion pound buyin for Sanofi Pension

Legal & General Assurance Society Limited (“Legal & General”) has completed a £1.4 billion buy-in with the Sanofi Pension Scheme (“the Scheme”), securing the benefits of 4,900 retirees and 5,600 deferred members.
Posted on Tuesday Jan 28

GBP70bn in bulk annuity and longevity swap deals forecast

The UK defined benefit pensions de-risking market is likely to see £50bn in bulk annuity transactions and £20bn in longevity swaps in 2025, according to WTW’s annual De-risking Report.
Posted on Monday Jan 27

Wealth and Assets survey shows inequal wealth distribution

The ONS Wealth & Assets Survey published shines a light on the wealth of the nation’s finances. It shows that the median household wealth in Great Britain was £293,700 in 2020-2022 with a sharp split between the top and bottoms deciles and across regions.
Posted on Friday Jan 24

Isio completes full buyin for Rockwool Pension Scheme

Isio has successfully led a £53 million full scheme buy-in transaction for ROCKWOOL Limited Pension Scheme. The transaction was led by Isio working alongside the scheme’s Professional Corporate Sole Trustee IGG, legal advisor Eversheds, and Royal London. Isio provided brokering, actuarial, administration, and investment advice to bring the deal to completion.
Posted on Friday Jan 24

Comments as IHT raises over GBP6bn in just 9 months

Just Group, comment on HMRC’s latest update on Inheritance Tax (“IHT”) receipts that show £6.3 billion was collected through the first three quarters of the 2024/25 Financial Year – an 11% increase on the £5.7 billion received in the same period in the previous year. Receipts totalled £620 million in December 2024, an increase of 13% on the £547 million collected in December 2023. Rising asset prices, frozen thresholds – which were extended by a further two years in the Budget – and additional policy reforms to the IHT regime are expected to continue delivering further increases in the IHT-take for the Treasury.
Posted on Wednesday Jan 22

Schroders receive FM mandate from RNIB Retirements Scheme

Schroders Solutions today announces it has been awarded a £170 million Fiduciary Management (FM) mandate by the Royal National Institute of Blind People’s (RNIB) Retirement Benefits Scheme, following an open and competitive tender process.
Posted on Monday Jan 20

PIC complete full buyin for Holophane Retirement Scheme

Pension Insurance Corporation plc (“PIC”), a specialist insurer of defined benefit pension schemes, has concluded a £24 million full buy-in of the Holophane Retirement Benefits Scheme (“the Scheme”), sponsored by Holophane Europe Limited. The buy-in covers the pension benefits of 95 pensioners and dependents, and 74 deferred Scheme members.
Posted on Wednesday Jan 15

Comments on the unexpected fall in inflation

Standard Life and My Pension expert comment as inflation unexpectedly falls to 2.5%
Posted on Wednesday Jan 15

FCA updates firms on polluter pays regulations

The FCA has today provided an update on its polluter pays regulations, setting out its clear expectations that firms should take reasonable and verifiable steps to ensure any potential and actual redress liabilities have been considered, provisioned for and addressed.
Posted on Tuesday Jan 14

Annuity rates surge as bond turmoil continues

According to the latest data from HL’s annuity search engine, a 65-year-old with a £100,000 pension can now get up to £7,425 a year from a single life level annuity with a five-year guarantee. This is up from £7,235 a year last week. This follows ongoing turbulence in the bond market as annuity rates are affected by long term gilt yields. As the value of gilts falls the yield from them increases which pushes up annuity rates.
Posted on Monday Jan 13

Post election surge in large M&A deals sets pace for 2025

Deal volume up by 15% with 710 deals completed worldwide in the last 12 months. Large deals (valued between US$1 billion and $10 billion) rose sharply by 36% in the second half of 2024 compared to the same period in 2023. Europe the only region to record M&A outperformance during the second half of 2024 as acquirer share prices struggle to keep pace with strong global equity markets.
Posted on Monday Jan 13

Standard Life complete buyin with Compass Group Pension Plan

Standard Life, part of Phoenix Group, has successfully concluded a £1.5bn Bulk Purchase Annuity (“BPA”) transaction with the Compass Group Pension Plan (the “Plan”). The sponsoring employer, Compass Group PLC (the “Company”), is a global leader in food services.
Posted on Thursday Jan 9

Positivity on personal finances jumps from same time in 2024

New research from Aegon shows three-fifths (60%) of people in the UK are positive about their finances for 2025. Women (54%) and those aged 50 to 59 (47%) are less likely to feel positive about their 2025. Pension saving remains a top three financial priority for 11% of the public.
Posted on Wednesday Jan 8

CGT changes prompts DIY investors to reorganise investments

27% of DIY investors say they will use tax wrappers like SIPPs and ISAs to avoid increased CGT. Others are planning to make fewer trades, and looking at assets with lower or no CGT. 10% are okay with the CGT they currently pay and won’t make any investment changes.
Posted on Wednesday Jan 8

Inflation set to rise again but rate cuts still expected

Inflation is likely to rise again when figures are released next week. The market is still pricing in a decent chance of a February cut – and at least two cuts in 2025. What this means for savings and mortgages.
Posted on Wednesday Jan 8

PIC completes second buyin with Clarks Footwear Pension Fund

Pension Insurance Corporation plc (“PIC”), a specialist insurer of defined benefit pension schemes, has concluded a second buy-in with the Trustee of both the C&J Clark Pension Fund – CJC Section and Flexible Section (“the Fund”) for £540 million. It follows the Fund’s first buy-in with PIC for £280 million in 2022. PIC has now insured all £820 million of the Fund’s defined benefit liabilities. The latest buy-in secures the pensions of almost 5,000 pensioners and dependants and over 3,000 deferred policyholders.
Posted on Tuesday Jan 7

LMP announces strategic partnership with Broadstone

Lovell Minnick Partners (“LMP”), a private equity firm focused on investments in financial services, business services and financial technology companies, today announced the signing of a definitive agreement to make a strategic growth investment in Broadstone.
Posted on Tuesday Jan 7

Predictions for the Wealth DC and Employment markets

Isio 2025 Outlook commentary - Predictions for the Wealth, DC and Employment markets.
Posted on Monday Jan 6