The Commission’s interim report does not say it will lower the first Commission’s target replacement rates, but it does build the analytical case for doing so... pensionsresearch.co.uk/is-the-secon...

Supporters say scale raises returns, and detractors say it stifles competition and doesn’t raise returns... pensionsresearch.co.uk/scale-is-now...

Chris Curry on what the dashboard tells us about UK pensions data infrastructure #PensionsDashboard #UKPensions #DataQuality #SmallPots #AutomaticEnrolment #PensionTransfers #OpenFinance #GovUKOneLogin #PensionsData pensionsresearch.co.uk/data-infrast...

A framework that removes compulsory retirement ages while retaining age caps sends mixed signals about what is expected and valued. Whether that justifies legislative time now is a legitimate question; what is harder to justify is leaving it unasked. pensionsresearch.co.uk/clearing-out...

The Turner Commission’s design for auto-enrolment drew on US research showing that inertia could be used to keep people enrolled in pension schemes. The same research showed that defaults can anchor savers at minimum contribution rates. pensionsresearch.co.uk/when-the-def...

How do you ensure accountability without removing the judgement that good decision-making requires? There is no cost-free answer; metric-based systems cost less to administer but can distort behaviour…https://pensionsresearch.co.uk/regulators-face-a-recurring-problem/

We are going back and forth on whether pensions should be used for housing. I am concerned about any such policy being a pensions fix for what is essentially a housing market problem... @annabrain.bsky.social @nestinsight.bsky.social #KiwiSaver #HousingMarket #PensionsReform #PensionsGoth

I spent the first 15 years or so of my life dreaming about overthrowing capitalism… being a revolutionary wasn’t just desirable, it was expected…. Read my after dinner speech here… pensionsresearch.co.uk/the-road-to-...

Pensions goth asks how the pension system can better recognise caring, ill health, and other forms of unpaid activity... pensionsresearch.co.uk/recognising-... #Sweden #privatepension #carers #pensionsgoth #contributions #equality #pensions #earnings #pensionsystem

Pensions Goth looks at whether government concessions on Mansion House address underlying concerns about mandating investment. pensionsresearch.co.uk/mansion-hous... #MansionHouse #Treasury #pensions #investment #privatemarkets

Conflict reveals the fractures in the system which lead to difficulty managing income in retirement. Do we need to rethink how the system works during times of upheaval? pensionsresearch.co.uk/conflict-hig... #inflation #StatePension #Iran #conflict #retirement

Pensions goth talks to Nest about the self employed! pensionsresearch.co.uk/nest-and-enr... @nestinsight.bsky.social

Member representation is fading but the case for it has not gone away pensionsresearch.co.uk/member-repre...

Today’s Pensions Goth blog explores with Anna Brain the potential consequences of allowing access to pension savings for a housing deposit. pensionsresearch.co.uk/anna-brain-t...

Today's blog asks why we are looking at PIP eligibility when it's so hard for eligible people to access the benefit. pensionsresearch.co.uk/we-keep-miss...

Pensions Goth speaks to Dr Izzy Bishop, freshwater scientist at UCL, about pollution, flooding, drought, and why water is still treated as background noise in long term investing. Also, a garden pond tragedy and a citizen scientist mum. pensionsresearch.co.uk/i-talk-to-a-...

Today’s Pensions Goth blog asks why pensions still assume equal working lives when work and care are still shared unequally. pensionsresearch.co.uk/policy-doesn...

Today’s Pensions Goth blog questions the gap between State Pension increased and cost rises pensionsresearch.co.uk/state-pensio...

Today’s Pensions Goth blog asks a question we keep avoiding: what is the state pension actually for? pensionsresearch.co.uk/we-cant-deba...

With progress under the UK Modern Slavery Act stalling, today's pensions goth blog looks at why forced labour is a financial risk, not just an ethical one, and what trustees and investors should do about it. pensionsresearch.co.uk/wp-admin/pos...

This week’s Pensions Goth blog examines the FCA’s proposals for interactive pension tools and their implications for people with complex working lives. pensionsresearch.co.uk/interactive-...

This week on Pensions Goth: why students can explain a Dungeons & Dragons campaign in perfect detail but struggle to picture retirement — and what that tells us about making long-term saving feel real. pensionsresearch.co.uk/dungeons-dra...

An interview with Gareth Stears about a new way to structure the state pension using annuity factors. Could this be a fairer settlement? pensionsresearch.co.uk/could-annuit...

I'm joining Sky News at 17:35 tonight to unpack the Budget’s salary sacrifice changes, what’s changing, who’s affected, and what it means for pension saving.

This week’s Pensions Goth blog explores why short-term Budgets keep shaping long-term pensions, creating uncertainty and driving behavioural shifts, and looks at alternatives such as using the new Pensions Commission and reducing ad hoc Budget changes. pensionsresearch.co.uk/budgets-are-...

Today’s Pensions Goth blog digs into the clash between human instinct and pension saving, and why policies that work with our brains, like AE and higher defaults, deliver far more than education alone. pensionsresearch.co.uk/long-live-th...

Today’s Pensions Goth blog looks at the financial impact of gambling, and why it deserves more attention in discussions about saving, debt and long-term security. pensionsresearch.co.uk/why-gambling...

Today’s Pensions Goth blog looks at the financial impact of gambling, and why it deserves more attention in discussions about saving, debt and long-term security. pensionsresearch.co.uk/wp-admin/pos...

Today’s Pensions Goth blog asks whether it’s time for a National Insurance plan for care, because some costs are simply too big for individuals to bear alone. pensionsresearch.co.uk/we-need-a-na...

From water scarcity to supply chain shocks, nature risk is already hitting portfolios. Today’s Pensions Goth asks: how should pension schemes respond? pensionsresearch.co.uk/nature-inequ...

Today’s Pensions Goth blog (a little late!) explores how AI is already reshaping financial advice, not tomorrow, but right now, and why the biggest risk isn’t robots taking over, but algorithms quietly rewriting what people understand about pensions. pensionsresearch.co.uk/ai-advice-an...

Today’s Pensions Goth blog asks whether we’ve lost sight of the philosophy that once underpinned our welfare system, Beveridge’s vision of support “from cradle to grave.” pensionsresearch.co.uk/fairness-phi...

Today’s Pensions Goth Blog asks: are we overlooking the UK stock market? Reforms focus on private markets, but listed equities still drive growth and could anchor pensions closer to home. pensionsresearch.co.uk/dont-forget-... @williamw1.bsky.social

Help us understand more about how people learn! Circulate this survey link to any family and friends who use social media! s.surveyplanet.com/ngd1035n

Today's Pensions Goth Blog explores what happens when life expectancy stalls but the State Pension Age keeps rising. pensionsresearch.co.uk/stalled-long...

Today’s Pensions Goth Blog explores how financial influencers are shaping the way people think about pensions and later life – and why understanding this is vital for future reforms. pensionsresearch.co.uk/why-we-are-s... s.surveyplanet.com/ngd1035n

Help us! DSPR is running a survey on how influencers shape views on later life. Your answers will help tackle misinformation & improve engagement. Please share with anyone who follows influencers! s.surveyplanet.com/ngd1035n

Are pension freedoms giving people a vital safety net — or encouraging early exits from work? Today’s Pensions Goth blog explores how flexible access may be shaping economic inactivity among older workers, and what this means for future retirement incomes. pensionsresearch.co.uk/is-economic-...

Today’s Pensions Goth blog explores whether people who must leave work early because of disability or caring should be able to claim their State Pension before State Pension age, and what lessons we can learn from other countries. pensionsresearch.co.uk/mind-the-gap...

Today’s Pensions Goth blog explores why DC cannot simply copy the LGPS model, and asks how scale, pooling and value frameworks must adapt if DC is to play a bigger role. pensionsresearch.co.uk/why-dc-strug...

Today’s Pensions Goth Blog looks at IFM Investors’ report on modern slavery in investment portfolios, and why this matters for pension schemes as long-term investors. It covers the risks, challenges of detection, and practical steps to drive change. pensionsresearch.co.uk/modern-slave...

Today’s Pensions Goth Blog explores the reality behind pensioner poverty, challenging assumptions that all older people are financially secure. It looks at who is most at risk, and why averages don’t tell the full story. #TripleLock #RetirementIncome pensionsresearch.co.uk/beyond-the-h...

Today’s Pensions Goth blog explores how proposed disability benefit reforms will disproportionately affect older people, despite ministerial claims, with data showing rising poverty risks and limited work options for those in their 50s and 60s. pensionsresearch.co.uk/disability-b...

Today’s Pensions Goth blog explores whether the new Pensions Commission is forgetting the people behind the system. While the Commission rightly focuses on adequacy, fairness and risk, it risks missing how real lives shape pension outcomes over time. pensionsresearch.co.uk/where-are-th...

I’ll be on BBC Radio Cumbria tomorrow at 7:40am, talking about State Pension age rises, caring, health, working-age benefits, and pension savings. Big topics – and ones we need to talk about more. #Pensions #StatePensionAge #Carers #BBCCumbria

Today’s Pensions Goth blog asks: is the triple lock a red herring? It’s been painted as the villain behind rising State Pension costs, but the real drivers are inflation and demographics, and we urgently need a long-term target before we scrap it. pensionsresearch.co.uk/is-the-tripl...

I’ll be on BBC Radio 4’s Money Box tomorrow at 3pm, talking to #SteveWebb about women and pensions. We’ll be looking at why women get lower pensions, how the system works, and what you can do to improve your retirement prospects. #MoneyBox #BBCRadio4 @stevewebb1.bsky.social @radio4.bsky.social

Today’s Pensions Goth blog explores whether pension schemes need collective support to deal with growing ESG and political risks, especially in the US. pensionsresearch.co.uk/do-we-need-a...

Today's pensions goth explores the risks of setting a State Pension target without clear, consistent measures, and how statistical choices can distort pension adequacy. pensionsresearch.co.uk/we-need-an-i...

This is Fascism - Robert Reich robertreich.substack.com/p/this-is-fa...