Daniela Silcock
@pensionsgoth.bsky.social
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Researcher, analyst, commentator, pensions enthusiast.
https://pensionsresearch.co.uk/
Today's Pensions Goth Blog explores what happens when life expectancy stalls but the State Pension Age keeps rising.
pensionsresearch.co.uk/stalled-long...
2 days ago
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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
9 days ago
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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
10 days ago
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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-...
16 days ago
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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...
23 days ago
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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...
30 days ago
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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...
about 1 month ago
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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...
about 2 months ago
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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...
about 2 months ago
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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...
2 months ago
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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
2 months ago
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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...
2 months ago
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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
2 months ago
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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...
3 months ago
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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...
3 months ago
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reposted by
Daniela Silcock
Andrew
3 months ago
This is Fascism - Robert Reich
robertreich.substack.com/p/this-is-fa...
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This is Fascism
Trump’s Big Ugly Bill is fascist — not only in what it does and authorizes, but in how it got enacted
https://robertreich.substack.com/p/this-is-fascism
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Today’s pensions goth blog explores how the shortage of affordable housing is driving systemic problems, from poor quality homes to increased private renting in later life.
pensionsresearch.co.uk/the-hidden-c...
3 months ago
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Today’s blog argues that the pensions industry’s lack of collaboration creates inefficiencies and inconsistent outcomes for members. It suggests working together on defaults and retirement models could improve member outcomes and reduce duplication.
pensionsresearch.co.uk/a-failure-to...
3 months ago
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In this week’s blog, I talk to Joe Craig of Quietroom about why so many pension schemes are chasing engagement without asking what it’s really for. We explore how schemes can move beyond noise and box-ticking to genuinely connect with their members.
pensionsresearch.co.uk/the-problem-...
4 months ago
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This week’s Pensions Goth blog considers how recent changes to the Winter Fuel Payment have expose wider challenges in ensuring adequate support for pensioners facing high energy costs.
pensionsresearch.co.uk/winter-fuel-...
4 months ago
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I’m forward to talking on Sky News at 15:30 about winter fuel payments! :-)
4 months ago
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Today's pensions goth blog looks at how chronic underfunding of government IT leads to poorer people - citing state pension underpayments as a key example.
#SteveWebb
#StatePensionUnderpayments
pensionsresearch.co.uk/neglected-go...
4 months ago
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In today's pensions goth blog, I talk to the inspirational Janette Weir of Ignition House about the work that companies are doing on flex first/fix later products.
pensionsresearch.co.uk/janette-weir...
4 months ago
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Today's pensions goth blog reflects on globalisation, our differences and similarities and where we are all grappling with problems.
pensionsresearch.co.uk/flying-acros...
5 months ago
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Today's pensions goth blog explore the growing power of the influencer and asks how we can keep up with and regulate this source of information and advice.
pensionsresearch.co.uk/are-finfluen...
5 months ago
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Today's pensions goth blog reflects on FCA's consideration of early access to pensions for house purchase, and urges that we consider the potential impact on retirement income and the market.
pensionsresearch.co.uk/roof-today-r...
5 months ago
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Today's pensions goth blog reflects on the relationship between Easter and pensions - and the fall of an empire: from Pilate to automatic enrolment. Happy Easter!
pensionsresearch.co.uk/pensions-pil...
5 months ago
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Friday pensions goth blog! This week’s pension goth blog is about the impasse brought about by value for money and the tension between business and regulation.
pensionsresearch.co.uk/vfm-who-will...
6 months ago
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Big investors look to sell out of private equity after market rout
www.ft.com/content/b7c5...
We might need to work harder to achieve Mansion House goals...
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Big investors look to sell out of private equity after market rout
Pensions and endowments seek exit from battered portfolios in blow to buyout industry
https://www.ft.com/content/b7c5aea6-c429-4917-bf35-a4f1b3159f85
6 months ago
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Friday pensions goth blog:
pensionsresearch.co.uk/closing-the-...
6 months ago
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Torsten Bell says that the Government are going ahead with small pots consolidation - just now at TUC conference. Does this mean we will see legislation for multiple default consolidators in the Pensions Bill?
6 months ago
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Pensions Goth blog: Lord Davies on pensions inheritance tax - closing the loophole!
pensionsresearch.co.uk/lord-davies-...
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Lord Davies on inheritance tax on pension savings – closing the loophole - Daniela Silcock Pensions Research
Lord Davies of Brixton recently, and very kindly, bought me a cup of tea and had a chat with me about IHT. I think he quite clearly sets out the government’s rationale for applying IHT to pension savi...
https://pensionsresearch.co.uk/lord-davies-on-inheritance-tax-on-pension-savings-closing-the-loophole/
6 months ago
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Friday pensions goth blog
pensionsresearch.co.uk/benefit-cuts...
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Benefit cuts could badly impact older people - Daniela Silcock Pensions Research
On Tuesday, the Government announced reforms to working age disability benefits with the stated aim of helping those who can work to do so, and supporting those who can’t. This will be done via provid...
https://pensionsresearch.co.uk/benefit-cuts-could-badly-impact-older-people/
6 months ago
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Friday pensions goth blog Richard Smith on why we may never see private sector dashboards, and what we could do instead!
pensionsresearch.co.uk/the-regulato...
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The regulatory bar could be too high and uncertain for private sector dashboards, but there are still opportunities for private sector participation - Daniela Silcock Pensions Research
I heard Richard Smith at a Select Committee the other day sharing his view that he does not think we are going to see any private sector dashboards. So, I scheduled a chat with him to hear more. Not o...
https://pensionsresearch.co.uk/the-regulatory-bar-could-be-too-high-and-uncertain-for-private-sector-dashboards-but-there-are-still-opportunities-for-private-sector-participation/
7 months ago
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Friday pensions goth blog!
pensionsresearch.co.uk/industry-gov...
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Industry/Government sandwich! - Daniela Silcock Pensions Research
I’m watching the Work and Pensions Committee evidence session on dashboards that took place yesterday. Excellent evidence from Richard Smith, Kim Gubler, Brian Byrnes, and Maurice Titley. I really enj...
https://pensionsresearch.co.uk/industry-government-sandwich/
7 months ago
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81% of students think climate change is more important than growing savings - will they still think so over time if they see default funds growing more quickly than sustainable funds? What can we do to boost sustainable investment?
www.professionalpensions.com/news/4410432...
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Climate change investments would boost student pension engagement
Increased investment in climate change solutions would encourage more than half (54%) of students to engage with their pensions, research from Now Pensions has found.
https://www.professionalpensions.com/news/4410432/climate-change-investments-boost-student-pension-engagement?utm_campaign=Professional%20Pensions%20Newsletters&utm_medium=email&_hsenc=p2ANqtz--gDxSYnbH7SqGg7ROgFgaYqju_BWWfmHKUX1ZOSeku7cenuWoRe56CLwYqfFF7E-8rlWKU7DjVqFFblfOsJa2R-_d9joD2yv-R7YEkma6qPjH5Ogw&_hsmi=105517960&utm_content=105517960&utm_source=hs_email
7 months ago
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Friday pensions goth blog!
pensionsresearch.co.uk/steve-webb-1...
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Steve Webb: 100% PPF cover would help support surplus extraction - Daniela Silcock Pensions Research
Sir Steve Webb, Partner at LCP and former Pensions Minister and MP very kindly had a chat with me about surplus extraction. I set out a summary of this fascinating interview below. 😊 PG: What are the ...
https://pensionsresearch.co.uk/steve-webb-100-ppf-cover-would-help-support-surplus-extraction/
7 months ago
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Friday pensions goth blog!
pensionsresearch.co.uk/adequacy-mus...
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Adequacy must be considered as one of the three dimensions affecting retirement living standards - Daniela Silcock Pensions Research
The pensions world are very interested in the upcoming pensions review on adequacy and retirement outcomes. There is widespread concern about the level of contributions people, employers and Governmen...
https://pensionsresearch.co.uk/adequacy-must-be-considered-as-one-of-the-three-dimensions-affecting-retirement-living-standards/
7 months ago
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Sign up here for the Friday Pensions Goth blog
pensionsresearch.co.uk/team/
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Pensions Goth Blog - Daniela Silcock Pensions Research
Pensions Goth loves to explain what's going on in pensions, what Government, industry and regulators are up to and what changes might mean for members. Pensions Goth loves cats, heavy metal music and ...
https://pensionsresearch.co.uk/team/
8 months ago
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Friday Pensions Goth blog!
pensionsresearch.co.uk/would-means-...
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Would means testing the State Pension save much money? - Daniela Silcock Pensions Research
There has been talk recently in the news about means testing the State Pension. This is because the costs of the State Pension will continue to grow, despite increases in State Pension age (SPa). Spen...
https://pensionsresearch.co.uk/would-means-testing-the-state-pension-save-much-money/
8 months ago
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Subscribe here to receive the Pensions Goth blog by email:
pensionsresearch.co.uk/team/
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Pensions Goth Blog - Daniela Silcock Pensions Research
Pensions Goth loves to explain what's going on in pensions, what Government, industry and regulators are up to and what changes might mean for members. Pensions Goth loves cats, heavy metal music and ...
https://pensionsresearch.co.uk/team/
8 months ago
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Friday Pensions Goth Blog!
pensionsresearch.co.uk/does-uk-inve...
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Does UK investment increase value for members? - Daniela Silcock Pensions Research
I was kindly invited to speak about DC reform at the Association of Consulting Actuaries annual conference last week in Manchester. As I was putting my slides together I came across an interesting poi...
https://pensionsresearch.co.uk/does-uk-investment-increase-value-for-members/
8 months ago
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Enlightening You & Yours on individual experiences of care in older age and new commission. Definitely listen if you get a chance!
www.bbc.co.uk/sounds/play/...
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Radio 4 - Listen Live - BBC Sounds
Listen live to BBC Radio 4 on BBC Sounds
https://www.bbc.co.uk/sounds/play/live:bbc_radio_fourfm?partner=uk.co.bbc
8 months ago
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Subscribe here for the Friday pensions goth blog:
pensionsresearch.co.uk/team/
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Pensions Goth Blog - Daniela Silcock Pensions Research
Pensions Goth loves to explain what's going on in pensions, what Government, industry and regulators are up to and what changes might mean for members. Pensions Goth loves cats, heavy metal music and ...
https://pensionsresearch.co.uk/team/
8 months ago
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New Friday pensions goth blog!
pensionsresearch.co.uk/demystifying...
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Demystifying surplus extraction - Daniela Silcock Pensions Research
I imagine that many of us greet news about DB scheme surplus extraction with “what does this mean? Is it dangerous? Surely taking money out of DB schemes is bad for members and an unfair treatment of ...
https://pensionsresearch.co.uk/demystifying-surplus-extraction/
8 months ago
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Subscribe to the Pensions Goth blog here:
pensionsresearch.co.uk/team/
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Pensions Goth Blog - Daniela Silcock Pensions Research
Pensions Goth loves to explain what's going on in pensions, what Government, industry and regulators are up to and what changes might mean for members. Pensions Goth loves cats, heavy metal music and ...
https://pensionsresearch.co.uk/team/
8 months ago
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New Pensions Goth blog!
pensionsresearch.co.uk/weve-frozen-...
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We’ve frozen AE threshold levels, what’s next for increasing contributions? - Daniela Silcock Pensions Research
The DWP has announced that the automatic enrolment Earnings Trigger and Qualifying Earnings Band will stay the same in 2025/26 as it was in 2024/25. These affect eligibility and contribution levels an...
https://pensionsresearch.co.uk/weve-frozen-ae-threshold-levels-whats-next-for-increasing-contributions/
8 months ago
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New Pensions Goth Blog!
pensionsresearch.co.uk/single-pensi...
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Single pensioners could be paying 12% or more of disposable income on energy - Daniela Silcock Pensions Research
The energy price cap went up again on January 1st, by 1.2%. This brings the average household energy bill energy to £1,738 a year, an increase of £21 a month. This follows on from previous adjustments...
https://pensionsresearch.co.uk/single-pensioners-could-be-paying-12-or-more-of-disposable-income-on-energy/
8 months ago
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New Pensions Goth blog! You won’t close the gender pensions gap without tackling culture. Read more...
pensionsresearch.co.uk/you-wont-clo...
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You won’t close the gender pensions gap without tackling culture - Daniela Silcock Pensions Research
The Pension Protection Fund (PPF) has exceeded targets set out in HMT’s Women in Finance Charter! Professional Pensions report that 48% of the senior management roles within the PPF are now held by wo...
https://pensionsresearch.co.uk/you-wont-close-the-gender-pensions-gap-without-tackling-culture/
9 months ago
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Happy New Year! I hope you all had fabulous breaks! 😊 It seems appropriate that my first blog of 2025 looks at what might be coming up for pension schemes this year.…
pensionsresearch.co.uk/what-will-20...
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What will 2025 mean for pension schemes? - Daniela Silcock Pensions Research
Happy New Year! I hope you all had fabulous breaks! 😊 It seems appropriate that my first blog of 2025 looks at what might be coming up for pension schemes this year. Defined Contribution (DC) Schemes ...
https://pensionsresearch.co.uk/what-will-2025-mean-for-pension-schemes/
9 months ago
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