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• Comment & Insight
  • Blog
    • April 2018
      • Your annual financial health check
      • FDs - time to look at reducing the risk in your pension scheme?
      • The DB pensions white paper - a handy summary for employers
      • TPR’s 2018 funding statement - a risk management perspective
      • Exploring Southern Europe - UK subsidiary companies with DB pension schemes
      • Growing demand – how well are you positioned?
    • 2018
    • March 2018
      • Six Scottish tax rates offer little source of relief
      • Keeping the LGPS affordable and accessible through austerity
      • Saving lives – one report at a time…
    • February 2018
      • Two economists - three opinions!
      • 5 April looms - pensions and tax planning for high earners
      • The missing 'why' in trustee communication
      • Are you leaving the lifetime allowance charge to chance?
      • Revisiting aspects of the gold-plated pension promise
    • January 2018
      • Reforms to the FSCS are set to cost you
      • Supporting retirement choices – the risks and solutions
      • Take control of your DB transfer strategy
      • Think now - reducing the risk in your pension scheme
      • First impressions of KIDS – a very mixed bag
      • Will the Treasury ever be persuaded to scrap the Lifetime Allowance?
    • December 2017
      • Are transfer values cost effective for companies?
      • Removal of capital gains indexation allowance
      • Rounding up the latest trustee news
      • 5 hottest issues in the SIPP market in 2017
      • Pension Scheme vs. Shareholders – a fine balance
      • The Pros and Cons of Pension Freedoms
      • Why now could be a good time to increase our pension contributions
      • Which solicitor should I use for commercial property purchase?
      • VAT on pension costs - Part 5: Throwing in the towel?
      • Treasury Committee calls for PRA action on Solvency II
    • 2017
    • November 2017
      • You are not alone! Practical challenges in creating KIDs
      • No news is good news for pensions
      • Don’t give up on USS?
      • A fairly quiet budget?
      • Budget 2017: Considerations for high earners
    • October 2017
      • Will the pensions White Paper be going Dutch?
      • Improve your investment governance (and performance!) – 7 top tips
      • Big is beautiful - Will consolidation be successful?
      • Will new HMRC de-registration powers have unintended consequences for SSASs?
      • How prepared are you? The Pension Protection Fund consults on third levy triennium.
      • All change for the Autumn Budget 2017…
      • New PPF model: How does it affect schemes in the Not-For-Profit sector?
      • Small change?
    • September 2017
      • Birthday wishes for a happier DC picture
      • Picture postcards from a global pensions tour
      • Brexit darkroom will still leave pensions in the spotlight
      • Why aren’t pensions the picture of happiness?
      • Don’t believe everything you hear!
      • Legal Entity Identifiers: what are they - and does your SSAS need one?
      • Understanding pensions: they’re not rocket science!
      • Hoover’s chance to clean up as members swept into PPF
      • Are paid trustees professionals? Are professional trustees paid?
    • August 2017
      • We do look back in anger, MPAA
      • KIDs for PRIIPS – you need to talk to your investment manager!
      • FTSE350: Barnett Waddingham's Annual Review
      • SFCR - Section A - Business and performance
      • BBC and IBM: Questions of trust and duty
      • Is pension tax relief reform off the menu? The proof is in the pudding
      • Moving of State Pension Age
      • Putting their foot in it - Opperman and Gauke’s faux pas
    • July 2017
      • The 21st Century Trustee – collaboration (and jubilation?)
      • Walker vs Innospec – Equality wins, but will it cost?
      • Oh fantastic, KIDs have to be stochastic!
      • Interesting times: How to adapt to survive a turbulent pensions world
    • June 2017
      • Take Action Now! Energy Performance Certificates legislation is changing
      • Pensions are left just hanging around
      • Capital Adequacy: experiences from the front line
      • HMRC vs in specie contributions – part II
      • Block Property Insurance: a building block to insuring property correctly
      • GIST 2017 - are we all stressed out?
      • Theresa gets tough on takeovers
      • The Ogden knock out
      • General Election 2017: What could happen next for pensions?
    • May 2017
      • Embracing The Future, Learning From The Past...
    • April 2017
      • Ensuring benefits technology works for all generations in your workforce
      • General election announcement – how will pensions fare?
      • Hard times? Leaving the EU and the impact on pension schemes
      • Making predictions just got harder
      • Why covenant comes first
      • The three wise men pass judgement on auto-enrolment
      • One bold step for DC trustees
    • March 2017
      • Q.R.T? N.S.T? H.E.L.P!
      • It’s disclosure Jim, but not as we know it
      • PPF levy triennium: a fairer distribution between pension schemes?
      • Spring Budget: MPAA reduced...despite calls to leave it unchanged
      • Pension flexibilities: opportunities for final salary pension schemes
      • Individual Protection 2014 – going, going . . .
      • Suspect SSASs - and will banning transfers stop the scammers?
    • February 2017
      • Money Purchase Annual Allowance reduction: more tinkering with pension tax rules
      • Green Paper raises interesting questions but avoids setting a radical agenda
      • Credit where accreditation's due
      • Investment Conference 2017: Campbell, Brexit and ‘Trumpsomnia’
      • Cash flow aware investment
      • The pros and cons of four alternative DC investment approaches
      • Interest rates to rise but no return to normal anytime soon
      • Employer contributions: what does 'wholly and exclusively' actually mean?
      • Play your FSCS cards right: deposit protection limit rises to £85,000
      • Now you can check your SIPP contributions online!
      • Don’t be paralysed by political risk
      • Will the WPC’s punitive fines really act as a ‘nuclear deterrent’?
    • January 2017
      • Take action! Time is running out for the 2017/18 PPF levy
      • Scheme Reconciliation Service - a positive start to the year
      • How data analytics can enhance your business
      • Time for change? WPC’s recommendations for Government Green Paper
      • Fall in corporate bond yields takes the shine off the year end
      • Agreed! TPR and Coats Group plc reach £255 million settlement
      • A practical approach to meeting ORSA feedback suggestions for insurers
      • 2016: Year of the Why?
    • December 2016
      • PPF reveals further fall in contingent funding arrangements
      • 2016 in review: the highs and lows of pensions
      • Pension Saving Statement: everything you need to know
      • Autumn statement 2016 in review: insurance premium tax
      • Government proposes method for equalising GMPs
      • Autumn statement 2016 in review: the impact on pensions
      • Contracting-out and the new state pension
      • A squeeze on HMRC resources as the GMP reconciliation deadline approaches?
    • 2016
    • November 2016
      • Court of Appeal judgment: pensions are protected in bankruptcy
      • Hotline sting and the cold calling ban
      • #StrongerTogether - actuaries and data scientists
      • With-profits funds could improve their investment strategies
      • Official UK inflation measure changes to CPIH
      • Five pearls of wisdom...for small employers thinking about auto-enrolment
      • Bank of England changes outlook on Super Thursday
      • SIPP providers find scant relief for in specie contributions
      • Pension legislation: the law is still a drag!
    • October 2016
      • Solvency II: longevity risk and spurious parameters
      • Machine learning: making data work for you
      • Investments: back to basics for insurers
      • Solvency II optimisation: an introduction
      • Five reasons why the Government was right to abandon the secondary annuity market...and one reason to be disappointed!
      • Understanding risk: our summer project with the University of Liverpool
      • Unquoted damage
      • Review: PPF propose changes to the levy rules
    • September 2016
      • The financial wellbeing department
      • Mutual deferred shares – a panacea to the sector’s difficulties?
      • Simply the best . . . estimate
      • The Greek Gods of employee wellbeing
      • Analytics Maturity: Dastardly data and despicable solicitors
      • Dividend block – a post-Brexit vote reality?
      • PPF levy – third triennium proposals
      • VAT on pension costs - part 4: inscrutable force meets immovable deadline
      • HMRC announce end to new Scheme Reconciliation Service requests
      • Larger with-profits funds generate greater ROI than their smaller rivals
      • HMRC launch their lifetime allowance online service
      • Slower start for bulk annuities in 2016
    • August 2016
      • Employee wellbeing - is it all Greek to you?
      • Liquidity and Solvency II: three key challenges for today’s insurers
      • Radical changes to rules on capital reserves for SIPP operators
      • Will base rate reduction yield cheaper borrowing from SSASs?
      • Driverless cars - the death of the motor insurance industry?
      • Imagine . . . a world where pensions and music meet
      • Brexit: has the result affected the bulk annuity market?
      • Whatever next? Solvency II and the UK post-EU referendum
    • July 2016
      • What does Brexit mean for UK pensions?
      • Open for business: HMRC’s online registration for Fixed and Individual Protection
      • Everything you need to know about TPR's updated DC Code
      • The real impact of pension schemes on UK business
      • Go! Go! - it’s integrated health solution time!
      • Evidence-based funding assumptions: TPR’s 2016 annual funding statement
      • At Ease! Useful changes to auto-enrolment for SIPP and SSAS members
      • The evolving role of the pension management consultant
    • June 2016
      • 'Loadsamoney' LISA
      • The IoT, dogs and the toughest market conditions for a generation
      • UK votes Leave: how pension schemes can cope with uncertainty
      • Guidance for employers on navigating the LGPS
      • Oil and gas: drilling down into good decision making
      • EU Referendum: change inevitable for pension schemes - leave or remain
      • Decommissioning and asset valuation: a complex relationship
      • Pension freedoms – a potential trigger for mass financial mis-selling?
      • Look-through of funds? It’s still murky
      • Changes to widows’ pension rights - not just a 'Thai Bride' problem
      • The golden years - pension freedoms or folly?
      • Scheme funding in volatile conditions: TPR’s 2016 annual funding statement
      • EU Referendum: the impact on key self-invested pensions assets
    • May 2016
      • Employee engagement: middle ages or the dark ages?
      • Walk the line: between GMP rectification and benefit audit
      • How big pension schemes reduce risk
      • Top priority: The Pensions Regulator’s plans for schemes
      • Capital allowances - don't ignore them!
      • Why retirement is looking bleak for future generations of pensioners
      • 4 - 2 - 3 the savings riddle
      • Creating a sense of realism
    • April 2016
      • How to create a benefits masterpiece
      • The art of uniqueness
      • Are you prepared for Solvency II Day 1 reporting?
      • Matching Adjustment in practice – the PRA’s view
      • Has Osborne given saving a new LISA life?
      • Constructive deterrence: will the FCA’s Business Plan result in better outcomes for customers?
      • A switch from Scheme Reconciliation Service to Shared Workspace: something to worry about or a surprising benefit?
      • RIP contracting-out: gone but not forgotten
      • Single-tier, flat-rate: a fresh start for the new state pension?
      • Partnership and Just Retirement merger: how will it impact the medically underwritten market?
    • March 2016
      • PMI TV: the rush to contracting out cessation
      • Lifetime ISA or pension: which is better?
      • Perspectives on estimation and modelling for large engineering projects
      • Tax break for SIPP and SSAS commercial property purchases under £1,050,000
      • PASA: guidance on GMP reconciliation and rectification
      • Contracting out: here's looking at you kid
      • Budget 2016: introducing the Lifetime ISA and Pensions Dashboard
      • Budget 2016: a mixed bag for the insurance industry
      • Last Man Standing schemes – the PPF’s re-invoicing plan
      • The benefits of employee engagement
      • Universities Superannuation Scheme deficit: where are we now?
      • Analytics: navigating your way to the peak of employee wellbeing
      • Ready. Aim. Hold fire! Osborne thinks again before targeting pensions
      • How to manage the risk of Brexit
      • Senior staff – get ready for April
      • Budget 2016: Pensions tax doesn’t have to be taxing… does it?
      • Top Ten Tips to prevent the real headache of re-enrolment
    • February 2016
      • Financial wellbeing – sprint or a marathon?
      • Why the tapered annual allowance could cost more than you think
      • Equity release mortgages: taming the super-asset?
      • Time for action on the tapered annual allowance
      • Understanding the employee – by design
      • Early retirement? Ombudsman agrees that employer can say no!
      • Reform: public sector exit payment charges
      • A step in the right direction: shopping for workplace benefits
      • Standard Formula Calculations made simple
      • Analytics and technology: driving our holistic approach to wellbeing
      • Pensions tax relief – a soft target for George Osborne’s Budget?
      • PPF Levy: get your parent company guarantee right
      • 2016: a new year or Solvency II déjà vu?
      • 2016: the year data rules the world
      • Pension legislation: the law is a drag
    • January 2016
      • A Benefits Oddity
      • Fined! For failing to observe PRA rules
      • In, out, shake it all about: Britain and the EU hokey-cokey
      • DB schemes: three ways to benefit from DC flexibility
      • Video blog - the 'brave new world' of self-invested pensions
      • Maximising economic recovery from a chilly North Sea
      • Six pillars of employee wellbeing: work/life balance
      • 2016 – is bigger better?
      • Six pillars of employee wellbeing: protection
      • HMRC contracting-out forums: What have we learnt?
      • The future of Diversified Growth Funds
    • December 2015
      • Six pillars of employee wellbeing: support
      • Six pillars of employee wellbeing: health
      • PRA view on look-through reporting brings some Christmas cheer
      • Climate change - the impact on insurance
      • Secondary annuity market – game on!
      • An early Christmas present from EIOPA
      • Six pillars of employee wellbeing: financial security
      • Financial Services Compensation Scheme – why the reduction in deposit protection?
      • TPR Guidance: Integrated Risk Management
      • Six pillars of employee wellbeing: job security
      • Motorbike and leathers
      • The BPA Market – the Wonder Woman of the Life Sector?
    • 2015
    • November 2015
      • For sale - annuity. One careful owner, full service history
      • Understanding and comparing longevity projections
      • New State Pension statements; will we COPE?
      • AE - an employer's viewpoint
      • Actuarial insights into customer loyalty programmes
      • Dealing with uncertainty - a risk worth taking
      • Video Blog: the six pillars of employee wellbeing
      • Pricing issues facing the London market
      • HMRC countdown bulletin 10: the letters and numbers you need to know
    • October 2015
      • Politics, self-interest and the saver
      • VAT on pensions costs - part 3
      • It's the final countdown . . . to the end of contracting out
      • PPF Levy – have you thought of everything?
      • What 'Value for Money' means for your scheme
      • 'Chief Actuary or not Chief Actuary?' - that is the question
      • Pension conference delegates predict increased individual responsibility for future retirement choices
      • The Workie in the room
      • Not all fund managers are created equally
      • Laying the foundations for infrastructure
      • Are you certain of AE compliance?
      • #LoveORSA?
      • Motor insurance - climbing premiums and fraudulent activity
      • Tee! Hee! Hee!
      • The “four Rs” of GMP reconciliation: would you pass?
    • September 2015
      • PPF levy consultation – a blast from the past for Last Man Standing schemes?
      • Talking about our generation – why?
      • The hidden cost of FRS102
      • Household insurance - are customers getting the best deal?
      • TPR's quick guide - why it’s worth working together
      • What about Auto-Enrolment Awareness day?!
      • GMP rectification - the elephant in the eRoom
    • August 2015
      • All change in the bulk annuity market
      • Ten key issues for employers facing pension scheme valuations in 2015
      • Easy, secure access to your pension scheme information online
      • Exit Payment Cap - your questions answered
      • Raise the alarm! The worrying rise in antimicrobial resistance
      • Noise induced hearing loss – curbing the compensation culture
      • Productivity: the challenge of our time?
      • Is your auto-enrolment scheme compliant with TPR regulations?
      • Regulator’s guidance to help trustees assess covenant
      • Private Medical Insurance: Employee vs Dependant Claims
      • The use of data and analytics in the London and Lloyd's market
      • The sexiest job in the 21st century vs the best job of 2015
      • Brexit - Impact on the UK insurance industry
    • July 2015
      • GUEST BLOG: Does pension freedom increase the risk of frauds and scams?
      • Pensions taxation double whammy for GPs and other NHS Consultants
      • High quality public disclosure
      • 2017 Tax Free Childcare Scheme
      • Solvency II must do
      • Out with the old, in with the new?
      • Could a rock-solid economic picture lead to a pensions horror show?
      • Budget Update: What next for Private Medical Insurance?
      • Emergency Budget – Osborne’s Big Summer Bash?
      • A Smoking Gun for Female Mortality Improvements?
      • Taking responsibility for looking after the vulnerable
    • June 2015
      • Does smoking affect mortality improvements?
      • Don’t look back in anger
      • EIOPA’s latest exercises – worth stressing over?
    • May 2015
      • Dealing with a deficit – failing to plan or planning to fail?
      • CP92 and what it means for the Irish insurance industry
      • CP18/15 Corporate Governance: Board Responsibilities
      • Is there a new paradigm for oil pricing?
      • NI increase spurs employers to action
      • Medical underwriting – just what the de-risking doctor ordered?
      • Will the 'political earthquake' result in a seismic shift for pensions?
    • April 2015
      • Have you minimised your PPF levy?
      • Solvency II briefing for NEDs (and everyone else)
      • Pensions tax relief – an endangered species
      • Big schemes dispense with longevity risk in deficit challenge
      • Anyone got a paddle?
      • Saturday releases??
      • FCA Business Plan 2015/16
      • VAT on pension costs – part 2
      • Solvency II updates – exemptions and approvals
    • March 2015
      • Volatility adjustment consultation
      • Mortality improvements by cause of death
      • Budget 2015 roundup
      • Under starter’s orders: Pensions key for the election race
      • All is not lost if the PPF decides to reject a contingent asset
      • Chief Investment Officer – the 6th man?
      • Volatility vs Matching Adjustment
      • Frozen schemes: "I wanna know what I owe, man"
      • Does your contingent asset meet the PPF’s new requirements?
      • How is technology helping pension schemes?
    • February 2015
      • PRA Feedback on Internal Models
      • PRA Solvency II Directors Update January 2015
      • Recovery and Resolution Planning for Insurers
      • Bringing clarity to the complex
      • Guidance for trustees as TPR consults on DB to DC transfers
      • Solvency II: Transitional measures on risk-free interest rates and technical provisions
      • EIOPA Solvency II update
      • Will Solvency II catalyse further investment strategy changes for UK non-life companies?
      • Companies with early 2015 year ends could face 30% increase in liabilities
    • January 2015
      • PPF levies: all change?
      • How does Solvency II fit into EIOPA’s strategic priorities?
      • Is there an impact for employers of NHS cancer drug restriction?
      • Johnson report comforts schemes providing CPI-linked pension increases
      • Appropriateness of standard formula for SCR
      • Asset data requirements for Solvency II
      • Unit-linked business – it just keeps getting harder
      • Skilled Person Panel Meeting
      • 2014 – the year where Solvency II got real and we all bought Lamborghinis
    • December 2014
      • Reversible Jump Markov Chain Monte Carlo (RJMCMC) Method
      • VAT: RIP the trustee. Long live the trustee company…?
      • Taxation of Pensions Act 2014
      • A light-hearted application of utility theory to Christmas
      • 5 reasons why your pension fund is not like your bank account
      • Lies, damned lies and statistics*
      • EIOPA has updated their website (and published 37 new papers!)
      • Temptation for early withdrawal of pension savings could lead to higher taxes
      • Holiday pay ruling is no vacation for pension schemes
      • Medical underwriting for bulk annuities – the market gathers pace
      • The standard (but not-so-simple) formula
      • Inflation protection – a capacity crunch over the horizon?
      • Too much freedom and choice for Treasury’s comfort?
      • Pension Freedoms pressing ahead following Autumn Statement
      • Barnett Waddingham on Solvency II
    • 2014
    • November 2014
      • Market volatility – back on the radar
      • Technology for pension schemes
      • New accounting standards bring new issues for universities
      • Solvency II Volatility Adjustment benefit to be reduced for UK insurers
      • Purple Book 2014 – de-risking trends continue
      • Are you being targeted for investment fraud?
      • Why health insurance is broken!
      • Curbing the whiplash epidemic
    • October 2014
      • Solvency II: countdown to implementation
      • GUEST BLOG: Avoiding the pensions liberation trap
      • Matching Adjustment: More to do and sooner!
      • Delegated Act: Implementing rules for Solvency II
      • Big jump in liabilities likely if no change seen in market statistics
      • EIOPA are at it again with a new consultation on solvency for pension schemes
      • CP21/14 Policyholder Protection
      • Clarification for signing actuaries?
      • Waiting for your Individual Protection 2014 certificate?
      • PPF levy to be cut – will your scheme benefit?
      • Government cuts 55% tax on pension pots after death
    • September 2014
      • Fall in the cost of dying
      • Taxation of pensions and Real Time Information reporting to HM Revenue & Customs
      • Mark Carney is putting the right ideas into practice
      • IP14 - Practice safe saving
      • Softer approach to accounting for surplus under IFRIC 14
      • Compromise on EU pensions directive grants boon for cross-border schemes
      • What is the most important mortality assumption?
      • NO vote – but a call for change
      • Volatility Adjustment users to require pre-approval in the UK?
      • Biases at Play
      • Matching Adjustment
      • Assessment of mental health risks within the workplace
      • Summer student blog
      • An intern’s take on the future of the actuarial profession
      • UK motor insurance market – cause for celebration?
      • Interest rates – increases on the horizon
    • August 2014
      • How to avoid being a victim of pension liberation
      • FRC proposes amendments to FRS102 to address confusion
      • What is a GMP?
      • Inflation measure downgrade casts further doubt on pension increases
      • Bank of England discussion paper: Procyclicality
      • Growing numbers of self-employed increasingly becoming a 'lost tribe'
      • Three ways in which we help keep your personal data secure
      • The bulk annuity market continues to go from strength to strength in 2014
      • Reducing DB deficits costs FTSE350 37p in every £1
      • What is commutation?
      • PRA Solvency II update
      • With-profits healthcheck
      • US to reform money market funds
      • Switching to CPI may just have become a little easier
    • July 2014
      • Cybergeddon, Fiscal Crises and Natural Catastrophes - Global Risks 2014
      • MH17: Confusion extends to the insurance industry
      • Pensions passport ‘time has come’
      • Statements from Treasury and FCA provide detail on pension freedoms
      • No ban DB to DC transfers welcome news
      • Reaction to FCA's third thematic review of SIPPs
      • Good news for employers looking to manage DB liabilities
      • Universities – what will the PPF’s consultation mean for you?
      • Auto-enrolment success could be the ‘lifeline’ the annuity market needs
      • Restricting DB transfers – will they or won’t they?
      • SS7/14 – Skilled Persons Reviews: Check, check, check
      • Video blog: The protection offered by the PPF
      • Mutuals With-Profits funds in 2013
      • Updated perspectives on the bulk annuity market – June 2014
    • June 2014
      • The pro and cons of an Income Tax and NI merger
      • New state pension will not provide you with a comfortable retirement on its own
      • Government's response to consultation on reshaping workplace pensions.
      • Quenching your thirst for guidance on unit linked funds
      • FTSE100 survey reveals first increase in pensions discount rate since 2008
      • 1,000 more pages to add to your summer reading
      • PRA draft supervisory statements: valuation risk and subordinated guarantees
      • Are more and more people beginning to take retirement saving seriously?
      • TPR's revised funding code of practice
      • Tranche 9 Annual Funding Statement
      • Government keeps cards close to its chest on CDC
    • May 2014
      • PPFSM - will you win or lose?
      • Mark Carney’s warning to insurers
      • Next splits pension fund to move from a buy-in to a buy-out
      • Three is the Magic Number
      • Skilled Persons Reviews: Looking into the crystal ball
      • PRA Supervisory Statements SS3/14 and SS4/14
      • Bulk annuity transactions near £4.4bn in Q1
      • Improved funding levels for Tranche 7 schemes
      • PRA Supervisory Statement SS5/14
      • Lloyd’s 2013 Annual Report Part 2 – Sector Performance
      • Treasury Select Committee Budget 2014 report
      • Central Bank of Ireland Reserving Requirements
      • PRA Data collection exercises 2014
      • 2014 on course to be a record breaking year
      • Funding valuations in 2014 - issues for employers
      • PPF releases levy consultation
      • Applying Behavioural Economics at the FCA - What is BE?
    • April 2014
      • Savings of UK households underestimated by up to 6% a year
      • Mutuality and with-profits funds: Statements released by the FCA and PRA
      • Regulation of actuarial roles under SII regime
      • Winding down schemes
      • Three lines of defence model – Marmite for risk management
      • EIOPA Consultation: Implementing Technical Standards for Solvency II Set 1
      • FCA Business Plan 2014/15
      • How are DB schemes impacted by admin and other running costs?
      • TPR publishes DB scheme expenses research and comparison tool
      • Insurance implications of the 2014 Budget
      • £25 state pension top-up plans announced today
    • March 2014
      • How can employers get to grips with auto-enrolment?
      • Lloyd's 2013 Annual Report
      • Pension charges cap announcement
      • Budget 2014 – Surprise pension freedoms announced
      • Joint TPR & FCA guide on regulation of DC pensions welcomed
      • An interesting budget for sponsors of defined benefit pension schemes
      • Budget bombshell could fuel aspirational spending not retirement stability
      • 'Anti-annuity budget' paves way for CDC pension arrangements
      • PPF update on transition to new model – Good news!
      • A Budget full of pension surprises
      • Budget savings changes will bring welcome relief to pensioners
      • Unprecedented level of flexibility for pension savers
      • Could a fall in individual annuity sales increase bulk annuity market competition?
      • Updated Perspectives on the Bulk Annuity Market – March 2014
      • Proposed changes to TUPE pension rules welcomed
      • Applying EIOPA’s preparatory guidelines
      • Applying EIOPA’s Preparatory guidelines: FLAOR
      • Applying EIOPA’s Preparatory guidelines: Governance
      • Applying EIOPA’s preparatory guidelines: Pre-application of internal models
      • Applying EIOPA’s Preparatory guidelines: Submission of information
      • Still too early to be 100% certain of the overall success of auto-enrolment.
      • Closed Pension Schemes
      • Omnibus II: 3 years late and 6th time lucky!
    • February 2014
      • Cyber Crime - Part 2
      • Malcolm McLean comments on the government defeat in Lords on Pension Bill
      • Reactions to pension charges disclosure news
      • MetLife Assurance to be sold to Rothesay Life
      • Latest ONS Labour market statistics show a record number of women are in employment
      • Sale provides reassurance to trustees
      • Barnett Waddingham urges high-earners to act now to retain £1.5 million pensions LTA before it’s too late
      • Malcolm McLean comments on the FCA’s annuities thematic review
      • Protected persons consultation response ‘increases pension costs and the administrative burden for employers’
      • End of contracting out - benefit reviews and Protected Persons
      • Barnett Waddingham urges TPR to ease GMP reconciliation process
      • PRA Feedback on Data Collection Exercises
    • January 2014
      • Trustees should avoid doing the bare minimum to comply with new disclosure regulations
      • PPF switch - Time is running out
      • High Court PPF ruling a ‘timely warning’
      • Delay in pensions charge cap ‘good news’ for companies’ currently organising A-E arrangements says Malcolm McLean
      • Stephanie Flanders warns 2014 is show time for the global recovery
      • Delay in pensions charge cap ‘makes sense’ says Barnett Waddingham
      • Conservative pledge to maintain the pensions triple lock
      • Pensions accounting disclosures
      • New Year's Resolutions
    • December 2013
      • Review of 2013: The year of regulatory uncertainty, hot topics, new services and more…
      • Cyber Crime - Part I
      • Triangle-Free Reserving
      • Survey reveals concerns over PPF transition from D&B to Experian risk rating
      • Only a modest increase in Section 166s going forward?
      • PPF publishes 2014/2015 levy determination
      • D&B to change scoring methodology
    • 2013
    • November 2013
      • Motor Insurance Premiums – What are consumers doing?
      • Autumn data harvest
    • October 2013
      • Noise induced hearing loss
      • Consultation Paper on Reserving and Pricing for Non-Life Insurers and Reinsurers (CP73)
      • PPO stochastic models: Are they the bee’s knees?
      • AFM Conference 2013
      • Delving into the world of unit-linked business: FCA findings
      • High age mortality convergence
      • Solvency II preparation guidelines: EIOPA is not for turning
    • September 2013
      • State of UK Flood Insurance (Part 2)
      • Omnibus II? Omnidelay V!
      • PPF announces 2014/15 levy
    • August 2013
      • Summer Students' Experience: Spreadsheets and the City
      • Microinsurance: novel challenges call for innovative solutions
      • Bulk annuity market goes from strength to strength in 2013
      • Young people who delay pension saving until middle age could lose more than half a million pounds
      • Takaful - an introduction
      • Current Irish Issues in the GI Market session (26 June 2013)
      • PPF replaces Dun & Bradstreet with Experian
      • Summer students - What I wish I knew before starting work
    • July 2013
      • Updated Perspectives on the Bulk Annuity Market
      • PPF takes on UK Coal
    • June 2013
      • Motor Insurers and the Gender Directive (Part 3 of our Gender Directive Series)
      • Abuse Claims - London Market Students Group Event
      • PPF increases compensation cap
    • May 2013
      • Current State of UK Flood Insurance
      • European Insurance Forum 2013 - Facing the Future of Risk - Part Two
      • Nuances of the Long-Term Guarantee Assessment
      • EIOPA consultation paper on the proposal for guidelines on the System of Governance
      • Medically Underwritten Bulk Annuities
    • April 2013
      • Income Protection – What’s Happening?
      • Goodbye FSA, Hello PRA and FCA
      • Lloyd’s 2012 Annual results
    • March 2013
      • Football's £100m Game
      • CP12/38 – a welcome change of tack by the FSA?
      • Gender Ruling Part II
    • December 2012
      • Gender Ruling 21 December 2012
      • PPF publishes 2013/2014 levy determination
      • A beginner’s guide to the Solvency II interest rate
    • 2012
    • July 2012
      • Revaluation for Early Leavers
  • Briefings
  • Case studies
    • March 2018
      • A change of corporate ownership - reviewing the pension implications
    • 2018
    • February 2018
      • Using pension savings to avoid future tax liabilities on commercial property
    • January 2018
      • Signatory requirement saves SSAS client from pensions scam
    • September 2017
      • Defining the benefits of DB transfers: members and families
      • Achieving higher returns with lower risk
      • An out of control deficit
      • Contingency planning in action
      • A complex covenant structure
    • 2017
    • June 2017
      • Gold bullion: the only physical commodity allowed in a SIPP or SSAS
    • February 2017
      • By GAD! Drawdown yields to lower levels
    • December 2016
      • Using a SSAS loan-back to assist a company’s expansion plans
    • 2016
    • December 2015
      • Member communication and engagement - benefit accrual switch
      • The impact of PIP transitional rules on existing regular contributions
    • 2015
    • November 2015
      • Stress testing and scenario analysis framework
      • Bespoke approach to pension in payment tolerances for GMP reconciliation
      • Innovative risk management for FTSE100 company undergoing fundamental transformation
    • June 2015
      • De-risking without significant increases deficit recovery contributions
      • 'Top-Slicing' Medically Underwritten Buy-in
    • September 2014
      • Asset Allocation - Risk Analysis
    • 2014
    • August 2014
      • Splitting inflation and nominal interest rates
      • Innovative buy-out
      • Negotiating a termination deficit with an LGPS fund
    • July 2014
      • Changes in legislation and pension scheme benefit changes
      • Negotiating better contract terms in the public sector
      • Long service and implications on annual allowance
      • Enhanced Protection
      • Lifetime allowance charges
    • June 2014
      • Project management
      • New scheme to fulfil auto-enrolment duties
      • Support with funding to a multinational company
      • Short notice due diligence
      • Significant refinancing of debt
    • May 2014
      • Expert witness reports
    • April 2014
      • Staff resourcing
    • July 2013
      • Pension options for high earners
    • 2013
  • News
  • Media centre
    • April 2018
      • Some good news for pension saving prospects in latest ONS employment figures
      • New Head of DC Investment at Barnett Waddingham
      • Could auto-enrolment increases negatively impact people’s current finances?
      • Pensions Freedom report
    • 2018
    • March 2018
      • In support of minimum contributions increase
      • Welcome prospect of tougher rules
    • February 2018
      • Welcome regulation strategy from TPR and FCA
      • Worrying lack of pension provision by self-employed workers
      • A lot of good news in ONS Wealth and Assets Survey
    • January 2018
      • The revolving door for DWP Ministers
    • December 2017
      • Long overdue changes to auto-enrolment are sensible
      • Experienced employee benefits consultant joins the team
    • 2017
    • November 2017
      • No news is good news for pensions in Autumn Budget 2017
      • Predictions for the Autumn Budget 2017
      • Gold award for Pensions Administration
      • Majority of UK workers ‘struggle’ and ‘coast’ through their job
    • October 2017
      • Huge variations in fund returns for ISA and pension customers
    • September 2017
      • Welcome reduction to PPF Levy
      • A good opportunity to make changes to the system
      • Silver rating in client service awards
    • August 2017
      • Impressively large disposable income for retired households
      • Overview on SPA increases for women
    • July 2017
      • Retired v non-retired household income figures
      • Sympathetic to those affected by the State Pension Age changes
      • Changes to state Pension Age Announced
      • Worrying results in Retirement Outcomes review
      • Unpensioned self-employed workers should be brought into auto-enrolment
      • Useful research from the Pensions Regulator about auto enrolment
      • A period of stability for the lifetime allowance
      • Trustees should have plans in place for their basic duties
      • The fifth Big Schemes survey highlights the latest trends for pension funds with assets over £1bn
      • Small businesses should seek professional advice on AE duties
    • June 2017
      • Painfully slow delivery of guidance and advice to retirees
      • A welcome review of the rules for advice on the conversion, or transfer of safeguarded benefits
      • The Queen’s Speech, notable for what was not in it
      • FCA Consultation on advising on pension transfers
      • Quietest Queen's Speech for pensions
      • FTSE100 pension deficit worsens despite 2016 fall and significant sponsor contributions
      • Who will be Pensions Minister?
      • New Actuary to Corporate Consulting
      • New Work and Pensions Secretary: A safe pair of hands
      • General election 2017: The immediate future of pensions
      • Barnett Waddingham appoints six new partners
      • Barnett Waddingham launches creative agency to change the beat of pension and benefit communication
    • May 2017
      • Barnett Waddingham SIPP has been awarded a financial strength rating ‘B’ by the AKG
      • Barnett Waddingham SIPP awarded a financial strength rating ‘B’ by the AKG
      • Mental health in the workplace is the second biggest challenge facing employers in the next five years
    • April 2017
      • Barnett Waddingham comments on TPR's 3 year Corporate Plan
      • Milliman and Barnett Waddingham announce pensions joint venture
      • Generation Why 2017
    • March 2017
      • White paper, massive undertaking!
      • Useful resource for trustees
      • Malcolm Mclean comments on Cridland report
      • Barnett Waddingham launch an innovative study into how the UK Picture Happiness
      • Budget of missed opportunities for the pensions industry
      • Comments on the latest figures from the office for National Statistics
      • Spring Budget 2017
    • February 2017
      • European companies are paying higher pension deficit contributions than the FTSE350
    • January 2017
      • Barnett Waddingham awarded prestigious PASA Accreditation
    • December 2016
      • WPC publishes recommendations for Government Green Paper due for issue in early 2017
      • Malcolm McLean calls for the ban on pension cold calling to be extended to cover other investments
      • Malcolm McLean comments on government proposals to ban cold calling
    • 2016
    • November 2016
      • Autumn Statement 2016: Insurance Premium Tax increase will see employers expected to swallow the costs
      • Autumn Statement 2016: cold calling ban is long overdue
      • Malcolm McLean comments on Philip Hammond's first and last Autumn Statement
      • Life expectancy to inform future state pension age reviews is positive
      • Barnett Waddingham appoints its first dedicated workplace wellbeing consultant
      • CPIH as the preferred measure of inflation could benefit pension funds
      • Malcolm McLean's expert view: Triple lock to be scrapped?
      • The impact of Super Thursday for pension schemes
      • Malcolm McLean's expert view: NAO report on the introduction of the new state pension
    • October 2016
      • Oil and gas services giant Wood Group appoints Barnett Waddingham as full services pensions provider
      • Barnett Waddingham continues to grow its general insurance consultancy
      • Malcolm McLean's expert view: his reaction to the review of State Pension Age
      • Malcolm McLean's expert view: surprising generosity of the new state pension for members of “contracted-out” final salary schemes
    • September 2016
      • 50% of employees still have concerns over their work-life balance
      • Malcolm McLean's expert view: welcoming clarification on the difference between guidance and advice
      • The implications of Brexit for European companies with UK final salary pension schemes
      • Largest with-profit funds generating greater investment returns than their smaller rivals
      • Barnett Waddingham expands its Workplace Health team
      • Triple appointments continue Barnett Waddingham’s brisk growth across the insurance consulting sector
      • Bulk annuity annual report 2016: the impact of Brexit and Solvency II on the bulk annuity market
    • August 2016
      • FTSE350 oil and gas sector deficits contributions at their lowest in seven years but this may not last for long
      • Possible DB scheme deficit increases as Bank of England cut interest rates
      • Barnett Waddingham continues to grow its corporate consulting practice with the appointment of Liam Mayne
    • July 2016
      • PPF announce areas of their insolvency risk model that will be reviewed for the next triennial PPF Levy
      • Malcolm McLean's expert view: 37,500 people receiving means-tested benefits may be worse off after selling annuity contracts
      • Malcolm McLean's expert view: reorganising central bureaucracy is not the answer
      • FTSE350 financial companies paid £2bn in deficit contributions in 2015
      • Barnett Waddingham expands its Investment Consultancy with appointment of Chris Binns
      • Deficit contributions for FTSE350 remain low at £8bn for 2015, but for how much longer?
      • Malcolm McLean's expert view: FCA's Retirement Outcomes Review
    • June 2016
      • How soon will 70 become the new 65 for drawing the state pension?
      • FTSE100 overall pension deficit falls by £15 billion
      • Barnett Waddingham appoint three new partners
    • May 2016
      • Research highlights European companies exposure to costs and risks associated with UK defined benefit schemes
      • 97% of final salary schemes with assets over £1bn are closed to new members
      • Barnett Waddingham expands its Business Risk division with appointment of Marc Spurling
      • Barnett Waddingham's Ben Roach comment on TPR's latest annual funding statement
      • Barnett Waddingham's Simon Taylor comments on TPR's latest annual funding statement
      • All companies should be given the option to link to CPI – not just Tata Steel
    • April 2016
      • UK employers losing out on talent due to a lack of investment in wellbeing
    • March 2016
      • Major generational differences exist in financial knowledge
      • Barnett Waddingham transfers the Scottish Coal and UK Coal sections of the Industry-Wide schemes to the Pension Protection Fund
      • Budget 2016: Barnett Waddingham welcomes no further changes to pension tax allowances and reliefs
      • Budget 2016: Government to replace MAS, TPAS and Pension Wise
      • Budget 2016: Could the new Lifetime ISA be a competitor for pension saving in the future?
      • Malcolm McLean comments on the Financial Advice Market Review
      • Employers battle to keep up with changing Pension regulations
      • Malcolm McLean comments on Aviva's intergenerational study
      • Malcolm McLean comments on the latest ONS Survey
    • February 2016
      • Engaging with Experian on data is top priority for levy payers
      • Barnett Waddingham recognised for ‘outstanding’ customer service
      • Barnett Waddingham comments on revised Code of Good Practice for Incentive Exercises
    • January 2016
      • Barnett Waddingham adds innovative new feature to Me2®
      • Barnett Waddingham comment on today's FRC report on the quality of corporate governance
      • Malcolm McLean comments on DWP Select Committee report on the new state pension
      • Barnett Waddingham comments on the latest update from The Pensions Regulator
      • Barnett Waddingham appointed to provide actuarial services to P&O Pension Scheme
    • December 2015
      • Malcolm McLean comments on the latest figures from the ONS
      • Barnett Waddingham comment on Legal & General entering European pension risk transfer maket
      • Malcolm McLean comments on government plans to allow annuity sales
      • Malcolm McLean comments on Aviva Real Retirement Report
      • Barnett Waddingham comments on TPRs new governance tool, Integrated Risk Management for DB schemes
      • Barnett Waddingham comments on Purple Book review of risks faced by UK defined benefit pension schemes
      • Colin Mayger named as EURACS Chairman
    • 2015
    • November 2015
      • Barnett Waddingham comments on Autumn Statement auto-enrolment contribution rate rise delay
      • Malcolm McLean reacts to Autumn Statement
      • Draft DC code leaves ‘less room for a tick box mentality’ says Barnett Waddingham
      • Bulk annuity market heading for another strong year
      • Barnett Waddingham grows life team with two new appointments
      • Malcolm Mclean: What to expect from the Autumn Statement
      • Barnett Waddingham builds business risk team with new appointment
      • Global Actuarial & Consulting Services (GLOBACS) launched today
    • October 2015
      • Barnett Waddingham responds to IASB pension accounting consultation
      • Barnett Waddingham comments on latest CPI data
      • Almost 40% of mutuals’ with-profits funds outperformed the largest proprietary firms’ with-profits funds in 2014
      • Barnett Waddingham launches pensions education and engagement portal for employees
      • Overhauling taxation of pensions system 'risks destroying the foundation of a system that works' says Barnett Waddingham
    • September 2015
      • Barnett Waddingham continues growth of Workplace Wealth team with new hire
      • Barnett Waddingham grows Workplace Health team with new hire
      • PPF announces Levy Estimate for 2016/17 – Barnett Waddingham comments
      • Understanding of new State Pension 'critically important' says Malcolm McLean
      • Barnett Waddingham and Solvency II Solutions integrate reporting solutions
      • Malcolm McLean comments on FOI request which highlights state pension shortfalls for women
      • Barnett Waddingham appoints business risk specialist
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