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Building resilience in derisking strategies for DC members

The traditional model of derisking defined contribution (DC) pension schemes into default investment strategies is increasingly out of step with how today’s members retire, says Hymans Robertson, as it launches its first paper Building resilience in de-risking strategies for UK DC members, in the firm’s new DC Futures series.
Posted on Friday Dec 12

FCA propose new interactive digital pension planning tools

Alongside targeted support proposals, the FCA also launched a Consultation Paper containing a package of proposals to help consumers navigate their financial lives and support growth.
Posted on Friday Dec 12

Living in a fools paradise says former Pensions Minister

Former Pensions Minister Sir Steve Webb (Partner at LCP), today speaking at the Society of Pension Professionals (SPP) webinar on the State Pension and its interaction with occupational pension schemes, drew attention to the issue of pensions adequacy.
Posted on Thursday Dec 11

Policy makes a difference says Pensions Minister

The Minister for Pensions, Torsten Bell MP, addressed a full house of finance, HR and pension professionals at a lunch event hosted by Quantum Advisory at the Twenty Ten Clubhouse, Celtic Manor Resort in Newport on 4 December.
Posted on Thursday Dec 11

7% of employers see salary sacrifice change making an impact

30% of schemes currently pass some or all of NIC savings to members. 13% of schemes believe it’s highly likely they will need to review current pension contribution structures following the budget

Posted on Thursday Dec 11

Self employed working 4 years longer to fill retirement gap

Fidelity International launches ‘No boss, No Pension’ campaign to raise awareness about the critical retirement savings gap facing UK entrepreneurs. Fidelity’s analysis highlights the growing self-employed pension gap, as entrepreneurs face the prospect of working for four years longer than employees to achieve the same retirement income. The average employee aged 45–54 has £70,800 in pension savings, compared with just £3,300 among the self-employed, government data shows. One in eight UK workers (13%) are self-employed, yet they receive only 2% of total pension income tax relief
Posted on Wednesday Dec 10

Funding slips slightly in November but remains resilient

Fully hedged scheme sees funding position decrease by 0.8 percentage points to 71.7% through November. 50% hedged scheme sees fall of 0.7 percentage points to 108.4%. Minimal volatility during the month in the run up to and following the Budget
Posted on Wednesday Dec 10

SPP on proposals for LGPS Access and Protections

The Society of Pension Professionals (SPP) has responded to the current MHCLG consultation on access and fairness within the Local Government Pension Scheme (LGPS) in England and Wales. The public consultation closes on 22nd December 2025.
Posted on Tuesday Dec 9

Industry comments on PPF7800 figures for November 2025

Broadstone and Gallagher comment on latest PPF7800 figures for November showing the aggregate surplus of the 4,838 schemes in the PPF 7800 Index increased by £2.7 billion through November 2025 and £22.1 billion across the last 12 months, rising to £257.6 billion in surplus.

Posted on Tuesday Dec 9

TPR spotlights strong administration for good outcomes

New guidance consolidates all administration expectations for trustees, scheme managers and administrators at a pivotal moment for the pensions industry.
Posted on Tuesday Dec 9

PPF publish latest PPF7800 figures for November 2025

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 Dec 9

DB pension surpluses remain at record highs

UK DB pension schemes continue to enjoy extremely positive funding positions, with XPS Group estimating aggregate surpluses of £252bn on long-term targets, up from £187bn the year prior. Scheme assets dipped slightly over November 2025, as a modest rise in bond yields reduced the value of matching assets, and global equities delivered softer than expected returns. Liabilities also eased marginally, driven by a small rise in gilt yields.
Posted on Tuesday Dec 9

Why your love life could influence your pension planning

A landmark study by PensionBee, a leader in the consumer retirement market, and The Open University has uncovered a striking ‘legacy gap’ between gay and straight men – not in how much they save for retirement, but in why they save.
Posted on Monday Dec 8

Career breaks push one in three women into pension poverty

More than a third (36%) of women face poverty in retirement, according to Scottish Widows’ latest Women and Retirement Report
Posted on Monday Dec 8

Broken beyond excuse time to end pension transfer gridlock

PensionBee has launched its third report, Faster, Fairer, Digital: The Pension Transfer Reset, calling for urgent Government and regulatory action to modernise the UK’s outdated pension transfer system.
Posted on Friday Dec 5

Call for caution on Retirement CDC

The DWP is consulting on a new form of Collective Defined Contribution scheme, Retirement CDC. Unlike other forms of CDC which operate on a ‘whole of life’ basis, this might be offered to members at the point of taking a retirement income, or used as a ‘default’, if the trustees or provider choose to do so.
Posted on Thursday Dec 4

Retirement CDC availability must ally with guided retirement

The Association of Consulting Actuaries (ACA) strongly supports the development of the legislation required to enable Retirement CDC pension schemes. We agree that this will open up CDC pensions to a much wider range of people, providing significant advantages over many existing forms of ‘at retirement’ pension provision.
Posted on Wednesday Dec 3

Retirement CDC Consultation

Commenting on the Hymans Robertson response to the Retirement Collective Defined Contribution pension schemes consultation, Paul Waters, Head of DC Markets, Hymans Robertson says: “This consultation is a key milestone in the advancement of the evolution of CDC and a welcome development for members.
Posted on Wednesday Dec 3

Two thirds say pensions long term security is top priority

Hymans Robertson publishes ‘Excellence in Endgame’ member research. Over half (54%) of DB Members highlight trust in the organisation managing their pension as a key priority. Research highlight communication and education are key for a successful endgame strategy. 60% of DB members support their scheme running on to generate a surplus
Posted on Tuesday Dec 2

Short changed

Retired households with the lowest incomes received between £95 and £149 per week less in cash benefits than higher income households. Just Group urges pensioners to check their eligibility for State Benefits
Posted on Monday Dec 1

Income tax reprieve for those reliant on State Pension

The Chancellor has confirmed in an interview with Martin Lewis that pensioners whose sole income is the state pension will not have to pay income tax once it breaches the threshold for paying basic rate tax.
Posted on Friday Nov 28

PPF statement on pre-97 indexation Budget announcement

The Pension Protection Fund (PPF) has welcomed the government’s announcement that it intends to change the law to enable the payment of inflation increases on pre-97 pensions to PPF and Financial Assistance Scheme (FAS) members.
Posted on Wednesday Nov 26

Triple lock left untouched as 4.8% increase confirmed

Standard Life and Broadstone comment as State pension is set to increase by 4.8% in April boosting payments by £574.50 (new state pension) and £439.40 (basic state pension). Government commits to maintaining the triple lock
Posted on Wednesday Nov 26

Relief as other pensions tax perks remain untouched

Pension salary sacrifice cuts confirmed from 2029 will be a blow to many employees saving for retirement. But pensions remain the most tax-efficient way to save for retirement, even after changes. After harmful pre-Budget speculation, call for Government assurance: no further changes to pensions tax breaks.
Posted on Wednesday Nov 26

Salary Sacrifice on Pensions capped by Chancellor

Comments from IGG, Mercer, SPP and Hargreaves Lansdown comment on salary sacrifice being capped by the Chancellor
Posted on Wednesday Nov 26