Only academics can get away with brilliant statements like this "Today, many couples are delaying having children, then suffering from age-related infertility and other health issues for both mother and child. In parallel, most humans now die from the socio-economically expensive diseases of aging.

William MacLeod - sense on the Pension Schemes Bill and investment trusts henrytapper.com/2026/01/31/w... The debate on investment trusts/companies is not an easy one to follow, so it is good to have this man posting sensibly on a subject that matters.

What's the CMI telling us about pensions insuring our living too long? henrytapper.com/2026/01/31/w... I want the CMI to speak to me and not just to actuaries. I want Stuart McDonald MBE to speak in his eloquent way to us all about what is happening

Drawing inspiration from Rory Murphy - through co-operation! henrytapper.com/2026/01/31/d... Will the unions will pick up the baton and look to have a say in the future. We cannot go back to the broken model of DB but we can work together through co-operative mutuals

Time to stop making capital out of WASPI henrytapper.com/2026/01/30/t... "WASPI was like GMP. Something which got trapped in a legal quagmire and wasted a lot of time needlessly".

Stagecoach/Aberdeen ; how the parties assess the full range of options henrytapper.com/2026/01/30/s... The debate being had with PWC/Stagecoach trustees and Aberdeen is on the 4th, the debate on this very subject on the 5th in parliament- the following day but the same debate.

USS valuation methodology changes agreed - with more to do henrytapper.com/2026/01/30/u... Thanks to Dooley Harte and all at @ucu including Jo@ Grady advised by Derek Benstead @ First Actuarial for getting so far. There is further to go- but how far you have come!

Stagecoach/Aberdeen ; how the parties assess the full range of options henrytapper.com/2026/01/30/s... The debate being had with PWC/Stagecoach trustees and Aberdeen is on the 4th, the debate on this very subject on the 5th in parliament- the following day but the same debate.

Waspi gets the thumb down (again) henrytapper.com/2026/01/29/w... An apology without compensation is not justice and these women deserve far more than words.” Ann Davies MP

"This legislation reeks of the timidity of Big Money" - Harry Scoffin henrytapper.com/2026/01/29/t... “If leaseholders are paying for nothing, they should be paying nothing today, not in 2068" - Harry Scoffin

M&A in Edinburgh insurance - headed by auction of Aegon henrytapper.com/2026/01/29/m... I wonder if there is something in the water that makes for a turbulent time for Scotland’s insurance companies

How have People's Pension done so particularly well? henrytapper.com/2026/01/29/h... Well done lads and lasses – happy retirement @Richard Lunt !

Why raising the retirement age hurts the poor most. henrytapper.com/2026/01/29/w... poor need their (state) pension now, the rich want more and can wait.

We are planning for pensions to fail and that is not a way for Britain to grow, henrytapper.com/2026/01/29/w... There is much good that can be done for Britain with the £160bn of surplus in our DB schemes and I hope that our Pensions Minister is telling our Chancellor and the BOE and the PRA that

Peers terrified of IHT on pensions when they die. henrytapper.com/2026/01/28/p... Pension pot-holders - you should not find yourself inconvenienced from IHT when you die, nor need your inheritors.

The questions on the "leasehold cartel" that pensioners need answering henrytapper.com/2026/01/28/t... How were pensioners and pension trustees used by the Freeholder lobby in their conversations with Rachel Reeves and the Treasury? @TorstenBell

A more realistic view of DC and CDC from LCP henrytapper.com/2026/01/28/a... Thanks to Sam Cobley, CFA who argues that DC offers flexibility that CDC does not. We had this conversation yesterday and will have it many times in the future!

Why wait for CDC? Bright sparks argue it out this morning ! henrytapper.com/2026/01/27/w... At this week's session, the usual CDC enthusiasts Henry Tapper and Chris Bunford will be joined by recent converts Tom McPhail & Bobby Riddaway

Dashboards yes! May Richard Smith get his debate , can we get freedom from pots! henrytapper.com/2026/01/27/d... I hope that on Feb 3rd ( a week today) , Richard will get what he wants and a ratification of the MoneyHelper Pension Dashboard. I hope he does not get another debate on pension freedoms

Starmer ignores Property Fund "pension bleating" and overrules Rachel Reeves to cap ground rents henrytapper.com/2026/01/27/s... @HarryScoffin has every right to feel proud of himself #freeleaseholders

Tom McPhail gives good advice to those who want a rich retirement henrytapper.com/2026/01/26/t... My advice is, don’t leave it to chance, take the time to research your options at least a few years before you expect to draw on your pensions. Pay for advice if you think you need to

Pensions, politics and football henrytapper.com/2026/01/26/p...

How do old people manage pension self assessment without actuaries and lawyers? henrytapper.com/2026/01/25/h... There aren’t many things that are simple about pensions but I suspect that self assessment for those like me beyond a SERPS pension and taking my pension at my pension age will be simpler.

Let's socialise at ours and put money by for later! "Friendflation" is a con! henrytapper.com/2026/01/25/l... Mike’s right, let’s socialise at ours!

Investment companies should give be giving us better DC pensions henrytapper.com/2026/01/24/i... am particularly puzzled also by the explicit exclusion of closed-ended listed companies within this bill.” @RosAltmann Sharon Bowles William MacLeodcompanies-should-give-be-giving-us-better-dc-pensions/

I wish I could visit America again; but I can't - not at present! henrytapper.com/2026/01/24/i... I think of Johnny Cash and all who came before him, of the South, of blues , of bluegrass and of country music and I know that America is intrinsically good.

Two Keirs; one issue ; 100 years ; free leaseholders henrytapper.com/2026/01/24/t... Harry Scoffin is so good here , I cannot but give him another chance to explain why we need to free leaseholders from unearned ground rent and other iniquities that leaseholders suffer

Mental health and MSK; something employers and employees want to WorkWell henrytapper.com/2026/01/24/m... A good article on a good initiative. It's not just about profit, it's the salary and pension that's being lost because sick people are unable to contribute. Colin Haines' post on #WorkWell.

Should people use their pension savings to buy their home? henrytapper.com/2026/01/23/s... This week is an important one for Nest Insight and its year long project that links pension saving with our house holding. Here is the super short promotion. It is followed by the blog and then the report.

Thought leadership on pensions from Mark Carney and John Mitchem henrytapper.com/2026/01/23/t... I don’t suppose many in Britain listened to Mark Carney speak at Davos but this post makes me want to

A new TPR? It needs a refresh and these projects to get going! henrytapper.com/2026/01/23/a... The Pensions Regulator 's "innovation" is important to me, as it is helping CDC schemes happen this year. This will bring real VFM to our pensions.

Pensions are important to employers henrytapper.com/2026/01/22/p... The lack of alignment from employers who think more than 80% of staff are getting a pension from them and the reality of what workers end up with is alarming. Employers do not need warnings that they’ll be fined

Raising standards of Trusteeship and Scheme Governance (with TPR) henrytapper.com/2026/01/22/r... I'm meeting Elizabeth Renshaw-Ames from TPR today. I hope that I will be better placed to ensure the trustees in the scheme I want the Pension Regulator to authorise later this year.

Why CDC schemes need to be large to be fair and offer freedom henrytapper.com/2026/01/22/w... But where the crowd is big enough, then the scheme can sustain demands on its liquidity and will not see its strategy having to alter because a group leave because pensions don't work for them.

Greenland - the mythic island that is large and white! henrytapper.com/2026/01/22/g... The Vinland Saga is a myth that grips the mind of Trump, who has much in common with Viking warlords! I fear he will find Greenland no more hospitable that they did, despite its name!

I haven't caught up with the debate yet, but as no amendments (certainly not sensible ones suggested by @daviesofbrixton.bsky.social) will have been voted on, the Bill does not currently include all interested parties (as scheme members are excluded from the process).

The Lords and the Pension Schemes Bill - the game is on for pension surplus! henrytapper.com/2026/01/21/t... What is most benefit is that the beneficiaries of pension scheme surpluses are paid to members and sponsors in a way that is agreed by all participating parties

Are the American 401(K) participants dreaming what Donald Trump's dreaming? henrytapper.com/2026/01/21/a... In last night’s rambling self-promotion by President Trump, we heard among other things of a huge increase in the amount that is in the 401K saver’s plans- across America

Common Hold will come about because of Harry, Norma and sound politicians henrytapper.com/2026/01/21/c... Press on Harry and press on real journalists , mentored by Norma Cohen and writing in her wake. @freeholder.bsky.social

CDC - your questions addressed and maybe answered! 10.30 today (Tuesday 20th) henrytapper.com/2026/01/20/c... Q. "If you have a cushy office job , do you get the same pension as someone who works as a bus driver – living less long on average?"

CAN CDC BE FAIR ENOUGH TO SHARE? 10.30 am tomorrow (Tuesday 20th) henrytapper.com/2026/01/19/c... If you work for Aberdeen and have a cushy office job , do you get the same pension as someone who works at Stagecoach and works as a bus driver – living less long on average?

Jack explains plans American retirement plan loans henrytapper.com/2026/01/19/j... This article came from a comment by Jack Towarnicky It comes as we consider the question  raised by timothy Lancaster;-  "should we help employees in debt before encouraging saving."

Is financial services doing well? "we'll hear it is today henrytapper.com/2026/01/19/i... We now need a determination amongst those managing pension funds, advising them and those building new structures , to make it clear that we will "get real" and "get growth" into the British economy.

Three passions; football , independence and governance; thanks LCP! henrytapper.com/2026/01/19/t... LCP and LawDeb are calling for the new club licensing system to be strong, transparent and proportionate.

When a horse makes everyone happy- Protektorat at Windsor one Sunday in January! henrytapper.com/2026/01/18/w... I’m so happy to have been at a racecourse at a time when a horse, a rider and thousands of people were as one in happiness!

How employers can help staff in debt! henrytapper.com/2026/01/18/h... "I’m reminded of a once popular parable which illustrates the circulation of money in a small community".

"Push me - pull you" in our private markets and our public ones! henrytapper.com/2026/01/18/p... Whether it’s my self-assessment or your crypto-currency. Whether it’s out distrust of private credit on the way out or the way in to private equity from public markets, we seem to be “push me- pull you”.

"Push me - pull you" in our private markets and our public ones! henrytapper.com/2026/01/18/p... Whether it’s my self-assessment or your crypto-currency. Whether it’s out distrust of private credit on the way out or the way in to private equity from public markets, we seem to be “push me- pull you”.

Reasons to be cheerful : 1-2-3. henrytapper.com/2026/01/18/r... Which begs the question, what can we – in pensions do – to make sure that we do to back “patriotic winners”? I will give three reasons to be cheerful (1-2-3)

Reasons to be cheerful : 1-2-3. henrytapper.com/2026/01/18/r... Which begs the question, what can we – in pensions do – to make sure that we do to back “patriotic winners”? I will give three reasons to be cheerful (1-2-3)