Opinion

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...

The government has made no secret of its desire to use pensions to boost the economy. The problem, as the government sees it, is that British pension funds are not investing the...

For global investors, portfolios embed two distinct return drivers: the performance of the underlying assets and the translation of those returns back into base currency. While the former is usually deliberate, the...

Value for money (VfM) is under the spotlight again. The FCA has published an updated consultation on the new framework for contract-based DC schemes, with equivalent rules being established for trust schemes...