Opinion

Every DC fiduciary wants better value for money for their members. To that end, we applaud UK regulators’ ambition to create a framework that improves transparency, strengthens accountability and focuses on the...

Regulatory changes around pensions and inheritance tax could make annuities look even more attractive to retirees I flipping love annuities. I’m still a couple of decades off retirement, but would buy one...

Many in their forties and fifties are approaching pivotal financial decisions without the clarity or confidence they need. They have lived through major changes, including the decline of DB pensions, increased investment...

For years, the pensions industry has treated decumulation as a single, solemn question: how do we turn a pot of money into a reliable income for life? We have produced rules, papers,...

Nearly 15 years ago, I wrote my first article for the pensions press. I was surprised, and my Mum was delighted that it made the front page.  The article was about the...

Ros Altmann is a Member of the House of Lords and a longstanding pensions campaigner The House of Lords will vote on Pension Schemes Bill during a legislative ‘ping pong’ on Monday...

  “Did she make a mistake? Does she understand?” So asks someoone on a Reddit post discussing Rachel Reeves’ proposed £2,000 cap on salary sacrificed pension contributions, announced at the 2025 Budget. ...

I have spent two decades talking to financial planners about technology and learned one thing which is that the profession is the ultimate chameleon.  We’ve evolved from the manual grind of stock...

Collective defined contribution pension schemes (CDCs) offer opportunities for better retirements than traditional DC schemes. That prize is eye-catching: the DWP’s own recent press release claimed “retirement incomes could increase by as...

The UK defined contribution market is entering a critical phase. Consolidation is accelerating, master trusts are absorbing smaller schemes, and policymakers are increasingly framing one idea: that scale is the defining test...