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Will US push back on ESG and climate spill over

XPS Group recently held their 2025 fund manager conference last week with over 100 fund managers represented. Of the 90 attendees who responded to a poll, over half (52.2%) of fund managers expect the US push back on ESG and climate change initiatives to spill over to European markets.
Posted on Tuesday Feb 18

Two thirds of DIY Investors do not understand fiscal drag

The Chancellor’s Budget was particularly impactful for business owners who must absorb higher national insurance costs from April, as well as for wealthier families affected by a raft of measures around inheritance tax. As these measures were relatively targeted, some may think they weren’t hit hard by the policies unveiled. But in her Budget announcement, Rachel Reeves chose not to extend the freeze on income tax thresholds beyond 2028, meaning many could get caught out by a process called ‘fiscal drag’.
Posted on Monday Feb 17

FCA charges financial adviser who stole GBP2m from clients

The Financial Conduct Authority (FCA) has charged Mrs Lisa Campbell with multiple criminal offences, including fraud by abuse of position and providing false or misleading information to the FCA to conceal her wrongdoing.
Posted on Thursday Feb 13

Latest GDP figures shows unexpected growth

Wealth Club, UK GDP saw growth of 0.1% in Q4 2024, above expectations of a contraction of -0.1%. UK GDP expanded by 0.4% month on month in December, above expectations of 0.1% growth.
Posted on Thursday Feb 13

Standard Life complete buyin with Finning Pension Scheme

Standard Life, part of Phoenix Group, has successfully concluded a £250m Bulk Purchase Annuity transaction with the Finning Pension Scheme, which is sponsored by Finning (UK) Ltd., a Caterpillar machinery dealership. This full scheme buy-in transaction, which completed in December 2024, covers all c. 2,170 members of the Scheme.
Posted on Wednesday Feb 12

Legal and General complete buyin with TUI Group UK Pension

Legal & General Assurance Society Limited (“Legal & General”) has completed a £370 million buy-in with the BAL section of the TUI Group UK Pension Trust (“the Scheme”). This buy-in, which was completed in late 2024, follows an initial £610m transaction in 2021 and now means all section benefits are fully secured.
Posted on Tuesday Feb 11

Citrus Pension Plan appoints Russell Investments

The Citrus Pension Plan (Citrus), a not-for-profit DB master trust, today announces its appointment of Russell Investments as its implementation partner. The appointment follows a competitive tender process led by Citrus’s investment advisor, Hymans Robertson.
Posted on Monday Feb 10

Could 2025 see marriage boom as IHT faces overhaul

Ahead of Valentine’s Day advisers are having more ‘wedding conversations’ after October Budget. While some of the fuss and commercialism surrounding Valentine’s Day might not be to everyone’s taste, it nevertheless usually prompts people – couples and single folk alike – to ponder their romantic situation. Nowhere might that be the case more this year than among the cohort of savers approaching or in retirement – especially those who have amassed substantial pension pots or who own private businesses.
Posted on Monday Feb 10

Over half of DB pensions to run on longer due to LDI crisis

The ill–fated ‘mini budget’ of September 2022, and the resulting Liability-Driven Investments (LDI) crisis, posed a testing challenge for defined benefit (DB) pensions schemes to say the least. As many schemes had to sell gilts to raise cash quickly, an intervention from the Bank of England was required to stop the crisis spiraling completely out of control.
Posted on Monday Feb 10

Bank of England give Stagflation alert

The Bank of England cuts base rate to 4.5% and forecasts stagnating growth and rising inflation. CPI is expected to hit 3.7% later this year as a result of higher energy prices and National Insurance increases. Trump tariffs are a big uncertainty in the forecast.
Posted on Friday Feb 7

Green bonds set to break new records in 2025

Green bonds set for record year amid massive net zero investment requirements. Trump policies and ESG backlash in the US unlikely to impact the wider asset class. Green bond issuance could reach $600bn next year and $1000tn for GSS bonds together. Investors should still pay attention to the coherence between funded projects and the issuer’s global transition strategy.


Posted on Thursday Feb 6

We would rather save than spend an unexpected windfall

New research from Aegon shows that, in the event of a surprise £5,000 bonus, 70% of people would prefer to save for the future or pay off debt than spend the money on themselves or loved ones (14%). Top preference for the bonus was putting it into a bank savings account (27%), with cash ISAs the second-most popular option (16%). Only 9% of people would choose to spend the money on their family, and an even smaller group would treat themselves (5%). Baby Boomers (75%) are marginally more inclined to save or repay debt than those in Generation Z (67%).
Posted on Thursday Feb 6

Comment ahead of the Bank of England base rate update

Commenting ahead of the Bank of England base rate update tomorrow, Chris Arcari, Head of Capital Markets, Hymans Robertson says:
Posted on Wednesday Feb 5

Uptick in Mergers and Acquisitions deals but growth patchy

There is an air of cautious optimism in the global M&A markets, and hence in the thinking of M&A underwriters around the world. Following a peak in transactions in 2021, the M&A market has had a turbulent time in the years since then. An environment of high inflation and interest rates heavily impacted economic growth, thereby stifling M&A activity. However, as we enter 2025, there is some certainty following the elections in major markets and the acceptance of adjusted economic reality.
Posted on Tuesday Feb 4

The smart way to put your bonus to work

Paying part or all your bonus into your pension can reduce your tax bill. It can help you navigate thresholds for things like Child Benefit. If your employer offers bonus sacrifice, then you won’t pay income tax or National Insurance on the contribution. In the case of a £5,000 contribution this means the whole amount would go into the pension. If it were just paid into a bank account, you would receive just £3,600 (basic rate taxpayer).
Posted on Tuesday Feb 4

DeepSeek and Nvidia and what to expect in the new Space Race

The artificial intelligence (AI) breakthrough announced by China’s DeepSeek last week is likely to ultimately be seen as a positive industry development, despite the market reaction suggesting otherwise.
Posted on Monday Feb 3

The UK Bulk Annuity Market

As the UK bulk annuity market continues to experience rapid growth, we want to share some observations on the key areas that we believe are important for the industry to focus on in 2025 (and beyond) to continue to deliver attractive and robust insurance solutions to the market.
Posted on Monday Feb 3

Royal London secure BPA transaction for Lufthansa UK Pension

The transaction between Royal London and Lufthansa UK Pension Trustee Limited has a value of £120 million across three pension schemes. The Trustee was advised by Cardano, a business of Marsh McLennan and CMS
Posted on Monday Feb 3

PIC complete full buyin for the FSCS Pension Scheme

Pension Insurance Corporation plc (“PIC”) has concluded a £25 million full buy-in of the FSCS Pension Scheme (“the Scheme”), sponsored by the Financial Services Compensation Scheme (“the Employer”), the UK’s statutory compensation scheme for UK authorised financial services firms. The transaction secures the benefits of all 154 members, comprising 37 pensioners and 117 deferred members.
Posted on Monday Feb 3

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

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