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Pension Funds Insider

Pension Funds Insider brings the latest pensions news and industry insights; from investment and governance updates to new mandate appointments and pensions regulatory information.

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Latest news

From Lost to Found: Reuniting Members with Their Pensions - AI Meets Human Insight

Wednesday, February 11, 2026

In the UK today, around 3.3 million pension pots, worth approximately £31.1 billion, remain unclaimed. For individuals, this represents an average of £9,470 per pot, rising to £13,620 for those aged 55–75. Nearly one in five adults believe they’ve lost track of a pension pot.

International retirement systems and income: a practical blueprint from global leaders

Wednesday, February 4, 2026

How do you turn decades of savings into a dependable income for life?

Disclaimers: not a “get out of jail free” card

Monday, January 26, 2026

Pension schemes should ensure that all information given to members about their benefits is as accurate as it can be. However, even when the best of efforts are made, errors can still occur from time to time. And, when they do, they are a common subject of member complaints.

Government to impose another tax on pensions saving

Monday, January 19, 2026

As part of the Government’s Autumn Budget on 26 November 2025 the Chancellor, Rachel Reeves, announced that pensions salary sacrifice contributions are to be capped at £2,000 per annum from 6 April 2029.

Dashboards Put Data Quality Back in the Spotlight

Thursday, January 8, 2026

With just 10 months to go until pensions dashboards become a reality for most schemes, trustees are now firmly in the regulatory spotlight when it comes to data quality. And for good reason.

Three Tips for Navigating the Risk-Benefit Balance of ESG Investing

Tuesday, December 30, 2025

Whether we like it or not, the three initials “ESG” – shorthand for environment, sustainability and governance – have become a key part of modern-day investing, and it looks like they are here to stay.

Light at the end of a long tunnel?

Wednesday, December 17, 2025

How a chink might finally open up in the fight for justice for pension scam victims.

CDC - Truth or Quality

Tuesday, December 9, 2025

The concept of Collective Defined Contribution (CDC) pensions is gaining momentum. The Royal Mail Collective Pension Plan has proved popular and is off to a good start. With multi-employer regulations expected to be finalized this year, various organizations are considering whether CDC could be the right solution for their members, colleagues, or affiliates.

The red face test – how would you fare?

Thursday, November 27, 2025

When things don't go our way, it's only natural that we want answers. To ask those in charge, how did this happen? (Or more likely, how did you let this happen?)

Europe’s Supplementary Pension Push: How Do We Compare?

Tuesday, November 25, 2025

Across Europe, policymakers are grappling with the same challenge we face here in the UK: how to ensure pension systems remain adequate, sustainable, and fair in the face of demographic change. In the EU, pensions are a cornerstone of social protection, ensuring income security and dignity in old age.

Navigating the critical middle ground: From buy-in to buy-out with confidence

Monday, November 17, 2025

As pension schemes edge closer to their endgame, the transition from buy-in to buy-out is no longer a distant milestone. With record insurer capacity and many schemes now fully funded on a buy-out basis, trustees and sponsors are entering a new and unfamiliar phase facing a new set of challenges that demand foresight, coordination and resilience.

Pensions administration consultancy is back from the brink, and needed more than ever

Friday, October 31, 2025

Pensions administration has come a long way – and not always in a straight line. Somewhere along the journey, we lost something important: experienced administration consultants.

IHT and Pension Death Benefits: The road to 2027

Tuesday, October 21, 2025

There’s been a lot of media attention on the Government’s proposals to include unused pension funds and death benefits in the scope of Inheritance Tax (IHT) starting from 6 April 2027. So, where do these proposals currently stand for pension scheme trustees and administrators?

Just How Serious Are the Growing Pains in the UK’s Bond Market?

Tuesday, October 7, 2025

The UK economy is grappling with a sense of déjà vu. Three years ago, the Bank of England intervened in the treasury market when 30-year UK Gilt yields surged by over 1.1% in three days, contributing to the collapse of the Liz Truss government. Yet, little seems to have been learned.

Guided retirement and targeted support: A turning point for pensions

Wednesday, October 1, 2025

The pensions industry is on the cusp of significant change. By 2027, trustees of DC schemes will face new duties under the Pension Schemes Bill to provide or partner on decumulation solutions, while in parallel, the FCA and Treasury are reshaping how targeted support can be offered to consumers.

A rude awakening

Thursday, September 25, 2025

The last 10 days have been a rollercoaster and I’m not talking about cabinet changes and the red carpet for a convicted felon!

From Policy to Delivery: Readying for CDC

Wednesday, September 17, 2025

The UK pensions industry stands at a pivotal moment. With multi-employer Collective Defined Contribution (CDC) schemes expected to gain regulatory approval in 2026 and begin accepting contributions by mid-2027, providers who want to offer CDC must act now to prepare their technology and operations, or risk being left behind.

Mind the Gap - Rising State Pension Age and DB Schemes: A Looming Retirement Income Gap

Wednesday, September 10, 2025

At the creation of the modern State Pension in 1948, the State Pension Age (SPA) was fixed at 65 for men and 60 for women. This remained unchanged for over 60 years and many defined benefit (DB) schemes were designed to align with these ages.

How does your scheme culture affect your risk profile?

Thursday, August 28, 2025

Naomi Brown asks if pension schemes should be talking about culture and working relationships specifically in the context of risk management.

Navigating overpayments: a cautionary tale for pensions administrators

Wednesday, August 20, 2025

A recent Ombudsman case involving the Trustees of the BIC UK Pension Scheme offers important lessons for those responsible for the administration of occupational pension schemes.

The Gold Standard of the Digital Age?

Tuesday, August 12, 2025

For trustees and pension professionals navigating the future of value preservation, a crucial question has emerged: is Bitcoin becoming the “digital gold” of the 21st century?

Perfect sense?

Wednesday, August 6, 2025

This is shaping up to be a busy summer. There is a flurry of activity on the pensions front and for the first time in ages, I have not planned any holidays. I had hoped to head to the Rocky Mountains, but the awful political weather in the US made me change my mind. So here I am, with plenty to keep me busy.

Rethinking Pension Adequacy: Opportunities from Denmark and the Netherlands

Thursday, July 17, 2025

The Danish and Dutch pension systems are frequently ranked among the top three in the Mercer Global Pension Index, reflecting their effectiveness in delivering strong retirement outcomes.

The Role of Member Experience in DB Scheme Success

Monday, July 7, 2025

In the evolving pensions landscape, defined benefit (DB) schemes have traditionally focused on funding, investment strategy, covenant support, and endgame planning. While these technical areas remain critical, there’s growing recognition that member experience is now a fundamental part of long-term scheme success.

“Mandation” in the Pension Schemes Bill: what do we know so far?

Monday, June 30, 2025

As promised, the government has included a reserve power in the Pension Schemes Bill that would allow it, in future, to set quantitative baseline asset allocation targets for some pension scheme investments: so-called “mandation”.

The Tech Revolution is coming for pensions admin (and it’s not wearing a suit)

Friday, June 20, 2025

Let’s be honest—pensions technology has always been a bit... beige. Bloated legacy platforms, endless upgrade cycles, and a tendency to stick with what (sort of) works.

It’s not just about cost – it’s about value

Wednesday, June 18, 2025

We have a super-fest of pensions legislation heading our way - again. Most of it is encouraging, even if much of it has been spoken about in hushed tones over the last decade or so.

Pension Scheme Insurance Deliberations – Are you Being Paid to Wait?

Thursday, June 12, 2025

Recently there’s been growing industry talk around the idea of UK pension schemes being encouraged to ‘run on’ rather than securing liabilities through bulk purchase annuity (BPA) contracts.

Trustees must speak up to safeguard member outcomes in pensions buy-outs

Friday, June 6, 2025

As the UK pensions landscape continues to evolve, trustees have a responsibility to take a more active role in shaping the future of member outcomes and sustainability throughout buy-out transactions.

The Mansion House Accord - is it really such a good deal for DC pension savers?

Thursday, May 29, 2025

As any other economy, the UK would benefit from more investment in its key infrastructure. The hurdle to making this a reality is a heavily indebted UK government that can't afford to allocate the capital required to support such ventures.

From simplicity to complexity, from friction to freedom

Thursday, May 22, 2025

In the evolving world of pension administration, ironing out friction in member journeys has never been more important.

Don’t let your members leave their pension to chance

Friday, May 16, 2025

When we think about planning for the future, most of us focus on saving enough for retirement. But there’s a crucial piece of pension planning that’s often overlooked by members and it could leave their loved ones without the support they may be expecting.

How best to manage residual risks – future trends

Friday, May 9, 2025

More DB schemes are approaching their endgame (whatever that may be) than ever before. As a result, the focus on residual risks and how these are managed is evolving.

Time for a Reset?

Friday, May 2, 2025

April has been an interesting month for PSIG. Readers will recall PSIG’s consultation with the industry last year which showed that everyone appreciates what PSIG has achieved and wants us to continue protecting schemes and members from fraud and scams.

Beating the National Insurance Hike – why more employers are turning to salary sacrifice

Tuesday, April 15, 2025

With recent changes pushing the employer NI rate from 13.8% to 15% and the threshold for payments dropping from £9,100 to £5,000, costs are stacking up fast.

Big isn’t always better: why consolidation isn’t the cure-all for pensions administration

Wednesday, April 2, 2025

If there was a phrase to sum up a key undercurrent at this year’s PASA conference, it was this: big is best.

TPR continues its fight against fraudsters

Tuesday, March 25, 2025

The Pensions Regulator (“TPR”) has again set its sights on pension scammers and there’s good reason for doing so. The latest figures from Action Fraud show that a total of £17.7 million was reported lost to pension-related fraud in 2023.

The Future of LGPS

Wednesday, March 19, 2025

Last month saw the closure of the “Local Government Pension Scheme (LGPS): Fit for the future” consultation which set out the UK Government’s ambitious plans to overhaul the investment governance arrangements of LGPS.

Heads we win, tails you lose

Wednesday, March 12, 2025

You know how it is when you think you’ve seen everything and then you get a WTF moment. The last few weeks seem to have been full of those moments that make you think the world has gone mad, but it was a home-grown version that made me spit out my tea.

Dawn of the Dashboard

Thursday, March 6, 2025

After many years of discussions, delays and disappointments, individuals who are not currently in receipt of their pension benefits will be able to connect to a Pension Dashboards over the next 18 months (depending on the size of their Scheme).

Pension dashboards – what to do right now

Wednesday, February 26, 2025

If you're set to connect to the pension dashboards in the next few months, you’re likely knee-deep in planning, decision-making, and liaising with your administrator.

DEIs Irae! US companies are abandoning their diversity and climate pledges. What does that mean for UK pensions?

Monday, February 17, 2025

It will be no surprise to most readers that there has been a transformation in US boardroom culture in the past 15 years.

How inheritance tax changes could be the next pensions admin nightmare

Thursday, February 6, 2025

Ah, inheritance tax (IHT) – that delightful topic that combines the solemnity of death with the bureaucracy of taxation.

The DC decumulation conundrum

Tuesday, January 28, 2025

The King’s Speech on 17 July 2024 set out the Government’s legislative agenda including a new Pension Schemes Bill (“the Bill”).

Survival of the fittest – not just for boobies!

Friday, January 24, 2025

Margaret Snowdon updates her regular blog from further afield than usual, proving that travel always helps us see things from a different perspective.

Why not ask your investment adviser how a small allocation to bitcoin could impact your objectives?

Wednesday, January 15, 2025

Sam Roberts of Cartwright discusses the scepticism surrounding bitcoin and whether crypto should be considered a suitable vehicle for pension investment.

Record-setting activity in the BPA market: 2024’s large deals

Friday, January 3, 2025

The bulk purchase annuity (BPA) market is bustling with activity across schemes of all sizes.

Buy-out journey planning

Wednesday, December 18, 2024

While the infamous September 2022 mini budget may seem like a distant memory, the UK pension risk transfer market is booming.

“If the law supposes that,” said Mr. Bumble… “the law is an ass – an idiot”

Wednesday, December 11, 2024

In her latest blog post, Margaret Snowdon of the Pension Scams Industry Group, updates on her unwavering fight in support of pension scam victims.

2024 Mansion House speech: what does the past tell us about the future?

Wednesday, December 4, 2024

Sam Roberts of Cartwright Consulting puts forward his view on Rachel Reeves’ recent Mansion House speech.

Caught in a trap

Tuesday, December 3, 2024

After so many years of deficits, surpluses have become a reality again.

Risk transfer market - Reflection on a record-breaking year

Wednesday, November 27, 2024

As we reach the festive period I feel compelled to reflect on how the bulk annuity market has evolved this year, and I can't help but consider what trends and developments we might see in 2025.

Navigating the General Code: A practical guide to ESOG and ORA

Wednesday, November 20, 2024

In March 2024 new, stringent, requirements came into force from The Pension Regulator's (TPR) General Code which upped the ante for pension schemes and trustee boards.